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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Unlimited Cash Rewards vs Platinum

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Unlimited Cash Rewards card art
Bank of America Cash Rewards
Bank of America Unlimited Cash Rewards
Bank of America
More Info
Platinum card art
Navy Federal Credit Union
Platinum
Navy Federal Credit Union
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
$500 credit
Spend $5,000 in 3 months
None
Top Earn Rates
  • All Purchases 1.5x
  • All Purchases 1x
Reward Type
cashback
credit building
Key Credits
None
None
Transfer Partners
Cash back only
No transfer partners
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Common Questions: Bank of America Unlimited Cash Rewards vs Platinum

Is the Bank of America Unlimited Cash Rewards or Platinum 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). Platinum offers no current bonus. Bank of America Unlimited Cash Rewards has the larger bonus.

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 Platinum?

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 Platinum is from Navy Federal Credit Union, so they're governed by separate bank policies.