Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Bank of America Business Advantage Unlimited Cash Rewards is a no-annual-fee cash back card from Bank of America. It earns 1.5% on every purchase with no categories to track.
On our reference budget of $73,200 a year it returns about $1,098, an effective 1.5% back. The welcome bonus, $500 after $5,000 in 90 days, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Get a $500 cash rewards bonus after you make at least $5,000 in purchases within 90 days of your account opening.
Earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.
Services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home. Free access to business credit scoresFootnote[1] View your Dun & Bradstreet business credit scores for free within Business Advantage 360, our Small Business Online Banking.
Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home.
These come from Mastercard, not from Bank of America. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
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Impress clients and employees alike with exclusive PGA TOUR® experiences and access to other amazing golf benefits.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Share with your clients both in-person and digital experiences in dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for Mastercard cardholders. Visit priceless.com.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Business Advantage Unlimited Cash RewardsThis card · 1.5% on everything | None | $1,098 | +$1,098 | 164th of 752 |
| Business Advantage Customized Cash RewardsBank of America's most-held other card · 3% on business services | None | $1,308 | +$1,308 | 14th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
