Bank of America Unlimited Cash Rewards vs Discover it Cash Back
Compare the Bank of America Unlimited Cash Rewards ($0/yr) against the Discover it Cash Back ($0/yr) to see which card earns you more rewards based on your spending.
See how the Bank of America Unlimited Cash Rewards and Discover it Cash Back stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Bank of America Unlimited Cash Rewards | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.5% | 1.0% |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
| Issuer | Bank of America | Discover |
Quick Summary
The Bank of America Unlimited Cash Rewards has a $0 annual fee (same as Discover it Cash Back).
Bank of America Unlimited Cash Rewards has a higher base reward rate (1.5% vs 1.0%).
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