Card Comparison
Bank of America Unlimited Cash Rewards vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
$500 credit
Spend $5,000 in 3 months
See issuer
Top Earn Rates
- All Purchases 1.5x
- Rotating Quarterly Categories 5x
- All Other Purchases 1x
Reward Type
cashback
cashback
Key Credits
None
None
Common Questions: Bank of America Unlimited Cash Rewards vs Discover it Cash Back
Is the Bank of America Unlimited Cash Rewards or Discover it Cash Back better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Bank of America Unlimited Cash Rewards currently offers $200 signup bonus (spend $5,000 in 3 months). Discover it Cash Back offers $200 signup bonus. Both bonuses are roughly equal in value.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Unlimited Cash Rewards and the Discover it Cash Back?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Unlimited Cash Rewards is from Bank of America and Discover it Cash Back is from Discover, so they're governed by separate bank policies.