There is no pre-determined limit amount for the Bank of America® Unlimited Cash Rewards Credit Card. Instead, your credit limit depends on a series of factors, like your creditworthiness, your income and other valuable data points reviewed by Bank of America.

Your earnings are stored in your account and available for redemption anytime. The points don’t expire as long as your account is active and in good standing. You can redeem all cash back as a direct deposit into an eligible Bank of America account, statement credit or credit into an eligible Merrill® account.

There’s a current offer for new members with a 0% introductory APR for purchases and balance transfers for 18 billing cycles. The card’s regular standard APR varies between 16.24% – 26.24% according to a series of factors, like your income, existing debt and current credit score.