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Bank of America Unlimited Cash Rewards Credit Card vs Petal 2 Cash Back, No Fees Visa
Both are well-respected travel cards. The Bank of America Unlimited Cash Rewards Credit Card comes from Bank of America at $0/yr; the Petal 2 Cash Back, No Fees Visa from Petal at $0/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 | Petal 2 Cash Back, No Fees Visa |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash rewards | None |
| Bonus value (est.) | $200 | $0 |
| Min spend to unlock bonus | $1,000 in 3 mo | $0 in 0 mo |
| Issuer | Bank of America | Petal |
| Card category | cashback | credit-builder |
| 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
Petal 2 Cash Back, No Fees Visa
$0/yr · None
Editorial take: Petal 2 Cash Back, No Fees Visa
Common questions
- Which card has the bigger sign-up bonus, Bank of America Unlimited Cash Rewards Credit Card or Petal 2 Cash Back, No Fees Visa?
- The Bank of America Unlimited Cash Rewards Credit Card has the bigger bonus, $200 cash rewards, worth roughly $200, versus None (~$0) on the Petal 2 Cash Back, No Fees Visa.
- Is the Bank of America Unlimited Cash Rewards Credit Card's $0 annual fee worth it compared to the Petal 2 Cash Back, No Fees Visa?
- The Bank of America Unlimited Cash Rewards Credit Card has no annual fee, so the question is whether the Petal 2 Cash Back, No Fees Visa's $0 fee is justified by its perks. If you'll use enough of the Petal 2 Cash Back, No Fees Visa's benefits to clear $0 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 Petal 2 Cash Back, No Fees Visa?
- Yes, since they're from different issuers (Bank of America and Petal) 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 Petal 2 Cash Back, No Fees Visa 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. Petal 2 Cash Back, No Fees Visa: $0 in 0 months. 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.