![]() So, which card earns the most? On their own, the cards are tied. They’ll both offer you 1.5 percent back on non-category purchases instead of the baseline 1 percent back typically offered for general purchases on other cards. If you already use a rotating category card to maximize cash back in specific bonus categories, either of these flat-rate cards would be a good complement. Either card may make sense if your purchases often fall outside the usual card bonus categories, such as bill payments or certain types of online retail purchases. If you’re looking for an unlimited 1.5 percent cash back on all purchases, the Capital One Quicksilver and the Bank of America Unlimited Cash both fit the bill. The Capital One Quicksilver, on the other hand, offers a 0 percent intro APR for 15 months, followed by a variable APR of 19.24 percent to 29.24 percent. ![]() Additionally, note that balance transfers must be made within the first 60 days to qualify for the intro offer and a 3 percent balance transfer fee (minimum $10) will apply. The Bank of America Unlimited Cash offers a 0 percent intro APR for 18 billing cycles on purchases and qualifying balance transfers (then a variable APR of 18.24 percent to 28.24 percent). Intro APR winner: Bank of America Unlimited Cashīoth the Capital One Quicksilver card and the Bank of America Unlimited Cash card offer a 0 percent intro APR on purchases and balance transfers, but the Bank of America Unlimited Cash offers a slightly longer intro period. The Capital One Quicksilver doesn’t charge foreign transaction fees on purchases made outside of the U.S., whereas the Bank of America Unlimited Cash charges a 3 percent foreign transaction fee. Foreign transaction fee winner: Capital One Quicksilver Either card is ideal if you’re trying to keep a yearly fee from eating into your rewards earnings. Like many cash back cards, both the Capital One Quicksilver card and the Bank of America Unlimited Cash don’t charge an annual fee. Additionally, it’s worth noting that a $200 welcome bonus is on par with other cash rewards cards that don’t carry an annual fee. In comparison, the Bank of America Unlimited Cash requires you to spend $1,000 on purchases within 90 days to earn the $200 cash bonus. The $500 spending threshold is easy to meet, and one of the lowest spending limits you’ll find. Welcome bonus winner: Capital One Quicksilverīoth cards offer a $200 welcome bonus, but the Capital One Quicksilver only requires you to spend $500 on purchases within the first three months to earn the bonus. Bank of America Unlimited Cash highlightsīoth of these top cash back cards come with no annual fee, unlimited cash back on all purchases and 0 percent intro APR offers, but they vary in some areas like their welcome bonuses. ![]() $200 cash rewards bonus if you spend $1,000 within the first 90 daysĠ% intro APR for 15 months on purchases and balance transfers (19.24% to 29.24% variable APR thereafter) balance transfers are subject to a 3% balance transfer feeĠ% intro APR for 18 billing cycles on purchases and qualifying balance transfers (18.24% to 28.24% variable APR thereafter) balance transfers must be made in the first 60 days and a 3% balance transfer fee (min. $200 cash bonus if you spend $500 within the first 3 months Capital One Quicksilver Cash Rewards Credit Cardīank of America Unlimited Cash Rewards credit card
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