Prime Visa vs Bank of America Unlimited Cash Rewards Credit Card
Both cards cost $0/yr. The Prime Visa leads on gas stations; the Bank of America Unlimited Cash Rewards Credit Card on everyday spending.
Card data as of October 12, 2026.
Prime VisaChase · No annual fee
Bank of America Unlimited Cash Rewards Credit CardBank of America · No annual fee
Overview
- Annual fee
- Prime Visa$0Bank of America Unlimited Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Prime Visa$150 gift cardBank of America Unlimited Cash Rewards Credit Card$250 cash back
- Rewards
- Prime VisaCash backBank of America Unlimited Cash Rewards Credit CardCash back
- Foreign transaction fee
- Prime VisaNoneLowestBank of America Unlimited Cash Rewards Credit Card3%
- Network
- Prime VisaVisa SignatureBank of America Unlimited Cash Rewards Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Prime Visa2%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Gas Stations
- Prime Visa2%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Transit
- Prime Visa2%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Everything else
- Prime Visa1%Bank of America Unlimited Cash Rewards Credit Card1.5%Highest
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Prime Visa—Bank of America Unlimited Cash Rewards Credit Card
- 3% balance transfer fee
- 0% APR 15 months
Perks & access— means none on record
- Other perks
- Prime Visa—Bank of America Unlimited Cash Rewards Credit Card
- No annual fee
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Prime Visa
- Up to $500,000 travel accident coverage
Bank of America Unlimited Cash Rewards Credit Card— - Purchase & returns
- Prime Visa
- $500 per claim on damage or theft
Bank of America Unlimited Cash Rewards Credit Card—
Pros & cons
- Pros
- Prime Visa
- 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership
- 5% back on Chase Travel portal bookings with no cap
- 2% back at restaurants, gas stations, and transit - solid everyday categories
- $150 Amazon Gift Card welcome bonus with no minimum spend required
- No annual fee on the card itself (Prime membership separate)
Bank of America Unlimited Cash Rewards Credit Card- Unlimited 1.5% cash back on all purchases
- No annual fee
- $250 welcome bonus after $1,000 spend
- 0% intro APR for 15 months on purchases and balance transfers
- No category tracking required
- Cons
- Prime Visa
- Requires an eligible Amazon Prime membership to earn 5% (3% without Prime)
- Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
- Only 1% back on non-category purchases - below average for catch-all spending
- No premium travel protections like trip delay insurance or lounge access
- Sign-up bonus is gift card, not flexible cash or points
Bank of America Unlimited Cash Rewards Credit Card- 3% foreign transaction fee
- Flat 1.5% rate, no bonus categories
- Lower earning rate than category-specific cards in bonus areas
- No premium perks or travel benefits
Category-by-Category Winner
The Prime Visa wins in 3 of 4 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.
Gas Stations
Prime Visa earns 2X vs 1.5X
Transit
Prime Visa earns 2X vs 1.5X
Dining
Prime Visa earns 2X vs 1.5X
Everyday purchases
Bank of America Unlimited Cash Rewards Credit Card earns 1.5X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Bank of America Unlimited Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Prime Visa | Bank of America Unlimited Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300 | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $430 | Bank of America Unlimited Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750 | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $970 | Bank of America Unlimited Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
Which Card Is Right for You?
Get the Prime Visa if you:
- +Spend $300+/month on restaurants and dining out
Get the Bank of America Unlimited Cash Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Bank of America Unlimited Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.5X on the Bank of America Unlimited Cash Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Prime Visa or Bank of America Unlimited Cash Rewards Credit Card?
- The Bank of America Unlimited Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Prime Visa or the Bank of America Unlimited Cash Rewards Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.