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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Unlimited Cash Rewards vs Visa Signature® Flagship Rewards

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
Visa Signature® Flagship Rewards card art
Navy Federal Credit Union
Visa Signature® Flagship Rewards
Navy Federal Credit Union
More Info
Annual Fee
No annual fee
$49/yr
Foreign Fees
None
None
Signup Bonus
$500 credit
Spend $5,000 in 3 months
35,000 points
Spend $3,500 in 3 months
Top Earn Rates
  • All Purchases 1.5x
  • Travel 3x
  • All Other Purchases 2x
Reward Type
cashback
cashback
Key Credits
None
  • Amazon Prime $139
  • Global Entry/TSA PreCheck Credit $120
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Common Questions: Bank of America Unlimited Cash Rewards vs Visa Signature® Flagship Rewards

Is the Bank of America Unlimited Cash Rewards or Visa Signature® Flagship Rewards 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). Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 in 3 months). Visa Signature® Flagship 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 Visa Signature® Flagship Rewards?

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 Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.