Bank of America Unlimited Cash Rewards vs Fold
Compare the Bank of America Unlimited Cash Rewards ($0/yr) against the Fold ($0/yr) to see which card earns you more rewards based on your spending.
See how the Bank of America Unlimited Cash Rewards and Fold 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 | Fold |
|---|---|---|
| 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% | 3.5% |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | Up to 3.5% bitcoin back on all purchases. |
| Issuer | Bank of America | Sutton Bank |
Quick Summary
The Bank of America Unlimited Cash Rewards has a $0 annual fee (same as Fold).
Fold has a higher base reward rate (3.5% vs 1.5%).
Which Card is Better for Your Spending?
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