Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Earn 1.5% unlimited cash back while building business credit for $0
The Bank of America Business Advantage Unlimited Cash Rewards Mastercard Secured delivers 1.5% cash back on every purchase with no annual fee and no category caps. With a minimum $1,000 security deposit, you earn rewards while building business credit history. The card includes $100,000 travel accident insurance, auto rental coverage, and free Dun & Bradstreet business credit scores. Responsible use creates a path to unsecured card graduation and deposit recovery.
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Credit Required
Fair
Benefits & Perks
Extends manufacturer warranties on eligible items purchased with your card.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Details & Terms
| Purchase APR | 26.74% (Variable) |
Reviews & Analysis
Protection against damage or theft of rental cars when you pay with your card.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Coverage for eligible purchases made with your card against loss, damage, theft, or fire.
Coverage for accidental death or dismemberment when you purchase travel tickets with your card.
Get help tracking and recovering lost bags when traveling.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Unlike unsecured business cards requiring strong credit, this secured card accepts bad or limited credit with a refundable deposit. The 1.5% flat rate beats most secured cards (typically 1% or less), and the $0 annual fee saves $39-$99 annually compared to competing secured business cards. Free Dun & Bradstreet scores provide business credit insights unavailable on most consumer secured cards.
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America: Multiple card facts |
