Business Advantage Unlimited Cash Rewards Mastercard® Secured
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
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Fair
Earning Rates
- 1.5%
All Other
Earning Scenarios
1.5% on everything
Every business purchase earns 1.5% cash back with no category tracking, no bonus calendars to activate, and no annual earning cap. Simple, predictable rewards on all spending.
Benefits & Perks
Insurance & Protections
5 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Auto rental insurance coverage
Protection against damage or theft of rental cars when you pay with your card.
$100,000 travel accident insurance
Coverage for accidental death or dismemberment when you purchase travel tickets with your card.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Lost luggage assistance
Get help tracking and recovering lost bags when traveling.
Details & Terms
Payment Terms
| Purchase APR | 26.99% (Variable) |
| Foreign Transaction Fee | 3% |
Reviews & Analysis
Third-Party Rankings & Ratings
6 sourcesHow It Compares
Unlike unsecured business cards, this secured card is backed by a security deposit (minimum $1,000) and BofA reviews the account periodically for a possible move to an unsecured card. The card earns a flat 1.5% cash back with no annual fee, and free Dun & Bradstreet scores provide business credit insights.
Media & Resources
Video Reviews
5 videosBank of America Business Advantage Unlimited Cash Rewards Secured Card Review 2026
BANK OF AMERICA SECURED BUSINESS ADVANTAGE CREDIT CARD | EASY $10,000 LIMIT
10 BEST Business Credit Cards 2023 (Best Credit Cards for Small Business)
Top 5 Secured Business Credit Cards | Build Business Credit Fast
Third-Party Articles & Reviews
Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card Review
Bank of America Business Advantage Unlimited Cash Rewards Credit Card Review
Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card Review
This Bank of America Business Card Could Earn You $1,200 in 2026
Bank of America Business Advantage Unlimited Cash Rewards Secured Credit Card Review
Bank of America Launches Business Advantage Unlimited Cash Rewards Card
Bank of America Business Advantage Unlimited Cash Rewards Mastercard Credit Card Insights
Bank of America Business Credit Cards Review
Card Design
Evidence Sources
| 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 | |
| Bank of America | Bank of America |