Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Discover it Cash Back?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Discover it Cash Back?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Discover it Cash Back?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

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Bank of America Unlimited Cash Rewards Credit Card vs Discover it Cash Back

Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Discover it Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

150 cash

Earn Rates

Category	Bank of America Unlimited Cash Rewards Credit Card	Discover it Cash Back
Rotating Quarterly	1X	5X
All Purchases	1.5X	1X

Benefits & Features

Network

VISA

DISCOVER

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas

Category-by-Category Winner

Both cards win in 1 categories each — it comes down to which categories matter most to you.

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Rotating Quarterly

Discover it Cash Back earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Discover it Cash Back?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Discover it Cash Back?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

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Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Discover it Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Discover cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bank of America Unlimited Cash Rewards Credit Card vs Discover it Cash Back

Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Discover it Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

150 cash

Earn Rates

Category	Bank of America Unlimited Cash Rewards Credit Card	Discover it Cash Back
Rotating Quarterly	1X	5X
All Purchases	1.5X	1X

Benefits & Features

Network

VISA

DISCOVER

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas

Category-by-Category Winner

Both cards win in 1 categories each — it comes down to which categories matter most to you.

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Rotating Quarterly

Discover it Cash Back earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Discover it Cash Back?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Discover it Cash Back?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Discover it Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Discover cards

Bank of America Unlimited Cash Rewards Credit Card vs Discover it Cash Back

Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Discover it Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

150 cash

Earn Rates

Category	Bank of America Unlimited Cash Rewards Credit Card	Discover it Cash Back
Rotating Quarterly	1X	5X
All Purchases	1.5X	1X

Benefits & Features

Network

VISA

DISCOVER

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas

Category-by-Category Winner

Both cards win in 1 categories each — it comes down to which categories matter most to you.

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Rotating Quarterly

Discover it Cash Back earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Discover it Cash Back?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Discover it Cash Back?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Discover it Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Discover cards