Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Bank of America Business Advantage Unlimited Cash Rewards Mastercard Secured 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.
Get it for the reporting. Pay in full, keep the balance under a third of the limit, and ask about graduating to an unsecured card after a year. The rewards are beside the point. It charges 3% on foreign purchases, so leave it home when you travel abroad.
No welcome bonus is stored for this catalog entry yet.
No benefits are stored for this catalog entry yet.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Business Advantage Unlimited Cash Rewards Mastercard® SecuredThis card · 1.5% on everything | None | $1,098 | +$1,098 | 165th 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.
