Business Advantage Unlimited Cash Rewards
1.5% unlimited cash back with up to 2.62% for Preferred Rewards members
The Bank of America Business Advantage Unlimited Cash Rewards card earns 1.5% cash back on every purchase with no caps or category restrictions, no annual fee, and a $500 welcome bonus after $5,000 in purchases within 90 days. Preferred Rewards for Business members with $100,000+ in Bank of America deposits can boost their rate to 2.62% on all purchases.
- Annual Fee
- $0
- cash back · Welcome Bonus
- $500
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Network
- Mastercard Standard
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Excellent
Welcome Offer
Bonus: $500 cash back
Spend: $5,000
Period: 3 months
Benefits & Perks
Insurance & Protections
4 protections$100K travel accident insurance
$100,000
secondary
Travel protection bundle: $100K accident insurance, auto rental CDW, emergency ticket replacement, lost-luggage aid, and medical referrals.
View conditions
Trigger: Travel must be purchased with the card
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Balance Connect overdraft protection
Link to your BofA checking for automatic overdraft protection, transferring funds from your credit line when needed.
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesHow It Compares
No-frills flat-rate business cash back card with 1.5% on everything, boosted up to 2.62% for Bank of America Preferred Rewards members. $0 annual fee, $500 welcome bonus, and 0% intro APR. Best for businesses that bank with Bank of America.
The Math: Is $0 Worth It?
First-year value includes $500 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 16.99%–26.99% (Variable) |
Card Family
Boa Business Advantage family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Boa Biz Customized Cash | entry | $0 | |
| Boa Biz Travel Rewards | entry | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
Video Reviews
7 videosBank of America Business Advantage Unlimited Cash Rewards Card Review 2026 | Worth It or Leave It?
Bank of America Business Advantage Unlimited Cash Rewards Secured Card Review 2026
EASY SECURED BUSINESS CREDIT CARD EASY $10,000 LIMIT BANK OF AMERICA ADVANTAGE
BEST 1 Card Setup?! Bank of America Business Advantage Unlimited Cash Rewards Mastercard Review
BOA Business Advantage Unlimited - All Business Owners Should Have This Card
Bank of America's Unlimited Cash Rewards Card: Hidden Gem or Overhyped Plastic?
Third-Party Articles & Reviews
Business Advantage Unlimited Cash Rewards Card: 2026 Review
Comprehensive review covering 1.5% flat-rate cash back, Preferred Rewards for Business up to 2.62%, $300 bonus, and comparisons with Ink Business Unlimited and Amex Blue Business Cash.
Bank of America Business Advantage Unlimited Cash Rewards Review
Forbes Advisor review with 3.8/5 rating covering 1.5% cash back, Preferred Rewards tiered bonuses, 0% intro APR for 7 billing cycles, and comparison details.
BofA Business Advantage Unlimited Cash Rewards Mastercard review
TPG review of the no-fuss business cash back card. Covers 1.5% earning rate, Preferred Rewards up to 2.62%, $300 bonus, and comparison with Chase Ink Business Unlimited.
Best Bank of America Business Credit Cards 2026
Nav's comparison of all Bank of America business credit cards including Unlimited Cash Rewards, Customized Cash Rewards, and Travel Rewards. Focuses on business owner needs.
This Bank of America Business Card Could Earn You $1,200+ in 2026
Motley Fool analysis showing how Preferred Rewards program boosts earnings to $1,200+ annually on business spending. Breaks down earning potential by tier.
Bank of America Unlimited Cash Rewards Credit Card 2026 Review
US News review of the personal version of Unlimited Cash Rewards card, useful for comparing business and personal variants' features and earning structures.
Bank of America Business Advantage Unlimited Cash Rewards Mastercard
Credit Karma overview with credit score insights. Reports average score 695 for matched applicants and most common score 816. Covers card features and approval likelihood.
Bank of America Unlimited Cash Rewards review
Yahoo Finance review highlighting straightforward 1.5% cash back on every purchase and flexible redemption options. Discusses card's position in no-annual-fee market.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Base earn rate | |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer | |
| Bank of America | Bank of America |