What credit card should I get?

The best credit card for you depends on your spending habits, credit score, and goals. Use our free quiz to analyze your spending in categories like dining, groceries, travel, and gas to find cards that maximize your rewards.

How do I choose the best credit card?

Consider these factors: 1) Where you spend the most money (dining, groceries, travel, gas), 2) Your credit score range, 3) Whether you want cash back, points, or miles, 4) If you're willing to pay an annual fee for premium benefits.

What is the best cash back credit card?

The best cash back card depends on your spending. For everyday purchases, flat-rate cards like Citi Double Cash (2%) work well. For category spending, cards like Chase Freedom Flex (5% rotating) or Amex Blue Cash Preferred (6% groceries) offer higher returns.

What credit card is best for travel?

Top travel cards include Chase Sapphire Preferred (great for beginners), Chase Sapphire Reserve (premium benefits), Amex Gold (dining + flights), and Capital One Venture X (simple earning). Our quiz helps match your travel style to the right card.

Do I need good credit for a rewards card?

Most premium rewards cards require good to excellent credit (700+). However, options exist for fair credit (650-699) like Capital One Quicksilver, and secured cards help build credit while earning rewards.

All cards

Bank of AmericaCash Back

Bank of America Unlimited Cash Rewards

Cash back card from Bank of America

No annual fee

1.5% cash back on everything
No annual fee
0% intro APR for 15 months
25-75% bonus with Preferred Rewards
$200 online bonus

Welcome Bonus

$200 value

after $1,000 spend in 90 days

Credit Needed

Good (670-749)

Personal card

APR

0% intro

then 19.24%–29.24% after 15 months

Foreign Transaction Fee

Fee on foreign purchases

Base Reward Rate

1.5%

On all other purchases

Rates and fees disclosure

Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.

Is the Bank of America Unlimited Cash Rewards right for you?

Take our free 2-minute quiz to see how this card scores against 55+ other cards based on your actual spending habits, credit score, and goals.

Take the Card Finder Quiz

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More cards from Bank of America

Bank of America Premium Rewards

$95/yr | $600 bonus

Bank of America Customized Cash Rewards

No annual fee | $200 bonus

Bank of America Travel Rewards

No annual fee | $250 bonus

Alaska Airlines Visa Signature

$95/yr | $700 bonus