Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card Review

Last Updated on July 27, 2026

Offer Rating

4.5/ 5

By Our Content Team

With unlimited cash back on all purchases and no annual fee, the Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card is an excellent choice for any business owner looking for a simple credit card to streamline their finances.

Editor

4.5

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Current Offer
$500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.

on Bank of America's secure site

Welcome OfferGet a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate1.5% cash back on purchases
Intro APR0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Product Details

Select to apply online
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America^® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.

No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America^® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Select to apply online
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America^® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.

No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America^® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

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Why We Like It

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Offer Rating

4.5/ 5

By Our Content Team

Key Benefit

Earn unlimited 1.5% cash back on purchases for your business while paying no annual fee

The Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card is a simple cash back credit card designed for business owners that want to earn rewards on everyday purchases. This card comes with an unlimited rewards rate of 1.5% cash back on purchases. With that generous earning rate, the cash back can pile up fast if you put all of your business expenses on this card.

Cardholders also earn a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening. On top of the big bonus, what really makes this card stand out is that you can join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America^® business checking account and qualify for the highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases!

This card even comes with a lengthy intro period of 0% Intro APR for 7 billing cycles on purchases – that can really come in handy if you want to finance a big purchase for your business and spread payments out over time. The ongoing APR is 16.74% - 26.74% Variable APR on purchases and balance transfers. (A balance transfer fee applies: 5% of the amount of each transaction.) To top it off, this is a $0 annual fee credit card.