Bank of America® Unlimited Cash Rewards Credit Card
Cash back
Bank of America® Unlimited Cash Rewards Credit Card
Bank of America - Visa - Credit card
4.6
4.6 out of 5
9.2/10
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Head-to-head
Bank of America® Unlimited Cash Rewards Credit Card vs Discover it® Student Cash Back
Compare Bank of America® Unlimited Cash Rewards Credit Card and Discover it® Student Cash Back side by side: fees, rewards, APR, and perks.
Last verified
Discover it® Student Cash Back
Cash back
Discover it® Student Cash Back
Discover - Credit card
4.9
4.9 out of 5
9.8/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Bank of America® Unlimited Cash Rewards Credit Card | Discover it® Student Cash Back |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 17.49% | 16.49% |
| Interest-free period | - | 25 days |
| Foreign transaction fee | 3% | 0% |
| Rewards | Unlimited 1.5% cash back on all purchases with no category restrictions and no quarterly caps. Preferred Rewards members earn 10–75% more, reaching up to 2.62% on every purchase at the top Preferred Rewards tier. | 5% cash back on rotating quarterly categories (up to $1,500 per quarter, activation required); 1% on all other purchases |
| Installments | Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans | - |
| No card fee | ||
| No foreign transaction fee | - | |
| Welcome bonus | ||
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Bank of America® Unlimited Cash Rewards Credit Card if its checked rows above line up with how you spend most.
- Choose the Discover it® Student Cash Back if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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