Ally Unlimited Cash Back: 2% on Everything
Earn more on every dollar spent with the Ally Cash Back Card
No complicated categories, no caps on earnings. The Ally Unlimited Cash Back Mastercard® offers absolute simplicity with one of the most competitive return rates on the 2026 market.
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Why choose Ally Cash Back?
2% Cash Back
Earn 2% back on all qualifying purchases, with no caps or expiration dates.
$0 Annual Fee
Enjoy all premium benefits without paying any yearly membership fees.
Security Focused
24/7 fraud monitoring and Mastercard ID Theft Protectionâ„¢ included.
International Travel
Zero foreign transaction fees, making it perfect for purchases outside the US.
Pros
- Simple redemption to your Ally account or as statement credit.
- Up to $800 in cell phone protection per claim.
- Global acceptance via the Mastercard network.
- Intuitive interface through the Ally mobile app.
Things to Watch
- Typically requires good to excellent credit for approval.
- Does not feature a traditional welcome bonus in some offers.
- Focused on simplicity, not luxury perks or airport lounge access.