Gold Rewards Card vs Bank of America Unlimited Cash Rewards Credit Card

Side-by-side comparison of Gold Rewards Card and Bank of America Unlimited Cash Rewards Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Gold Rewards Card	Bank of America Unlimited Cash Rewards Credit Card
Issuer	American Express	Bank of America
Network	American Express	Visa
Card Material	Metal	Plastic
Annual Fee	$325.00	$0.00
Base Rate	1.00%	1.50%
Travel Rewards	3.00x	0.00x
Auth. User Fee	$35.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.5% (base)
Hotels	5.0%	1.5% (base)
Restaurants	4.0%	1.5% (base)
Supermarkets	4.0%	1.5% (base)
Airline	3.0%	1.5% (base)
Resy	4.0%	1.5% (base)
Dunkin'	4.0%	1.5% (base)
Uber	1.0%	1.5% (base)
Grubhub	4.0%	1.5% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	20 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	12.74% - 21.74%	18.24% - 28.24%
Cash Advance APR	28.74%	29.99%
Penalty APR	29.99%	N/A
Late Fee	$40	$40
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	—
Baggage Delay	—	—
Baggage Loss	✓	—
Cell Phone Protection	—	—
Extended Warranty	✓	—
Purchase Protection	90 days	—
Return Protection	—	—
Roadside Dispatch	—	—
Trip Cancellation Interruption	—	—
Trip Delay	✓	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard