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Bank of America Unlimited Cash Rewards Credit Card vs Avianca LifeMiles American Express Card
Both are well-respected travel cards. The Bank of America Unlimited Cash Rewards Credit Card comes from Bank of America at $0/yr; the Avianca LifeMiles American Express Card from Cardless at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Bank of America Unlimited Cash Rewards Credit Card | Avianca LifeMiles American Express Card |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | $200 cash rewards | Not advertised |
| Bonus value (est.) | $200 | - |
| Min spend to unlock bonus | $1,000 in 3 mo | - |
| Issuer | Bank of America | Cardless |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Bank of America Unlimited Cash Rewards Credit Card
$0/yr · $200 cash rewards
Read the full review
Avianca LifeMiles American Express Card
$99/yr ·
Editorial take: Avianca LifeMiles American Express Card
Common questions
- Which card has the bigger sign-up bonus, Bank of America Unlimited Cash Rewards Credit Card or Avianca LifeMiles American Express Card?
- The Bank of America Unlimited Cash Rewards Credit Card has a public bonus ($200 cash rewards, worth roughly $200), while the Avianca LifeMiles American Express Card doesn't advertise one right now.
- Is the Bank of America Unlimited Cash Rewards Credit Card's $0 annual fee worth it compared to the Avianca LifeMiles American Express Card?
- The Bank of America Unlimited Cash Rewards Credit Card has no annual fee, so the question is whether the Avianca LifeMiles American Express Card's $99 fee is justified by its perks. If you'll use enough of the Avianca LifeMiles American Express Card's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Bank of America Unlimited Cash Rewards Credit Card.
- Can I have both the Bank of America Unlimited Cash Rewards Credit Card and Avianca LifeMiles American Express Card?
- Yes, since they're from different issuers (Bank of America and Cardless) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Avianca LifeMiles American Express Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Unlimited Cash Rewards Credit Card: $1,000 spend in 3 months. Avianca LifeMiles American Express Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.