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Business Advantage Unlimited Cash Rewards credit card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
18.49% ‐ 28.49% (Variable) (0% for the first 9 months)
Interest Rate: Purchases
18.49% ‐ 28.49% (Variable) (0% for the first 9 months)
Balance Transfer
18.49% ‐ 28.49% (Variable)
Balance Transfer
18.49% ‐ 28.49% (Variable)
1.5% cashback
1.5% cashback
Signup Bonus
$300 after spending $3,000
Signup Bonus
$300 after spending $3,000

Informr score
The Business Advantage Unlimited Cash Rewards credit card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 11 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Business Advantage Unlimited Cash Rewards credit card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Bank of America’s Business Advantage Unlimited Cash card may not be the most rewarding option to use as your primary business card, especially if most of your expenses are covered by popular business bonus categories. Still, its flat-rate cash back and minimal costs make it an excellent supporting c...

- Nouri Zarrugh, Bankrate

You could get unmatched value out of this card as a Preferred Rewards member at the Platinum or Platinum Honors tier, but most cardholders will be better off with a card that offers a higher base rewards rate – even if that means paying an annual fee.

- Antonio Ruiz-Camacho,
Money Crashers
Money Crashers

With a decent sign-up bonus, a strong promotional financing offer, and no annual fee, this card is a good small-business credit card with potential flashes of greatness.

- Jason Steele, Money Crashers

A business credit card that offers unlimited 1.5% cash back on all purchases with no spending limits. Whether you’re getting new equipment or booking travel, you’ll earn unlimited cash back without worrying about spending categories or reward requirements. The Bank of America business card currently...

- Dashia Milden, Cnet

If you want a straightforward cash back credit card with simple rewards rates, then The Bank of America Business Advantage Unlimited Cash Rewards makes sense. This card does have some travel insurance benefits, but you also have to pay foreign transaction fees. So it’s not the best travel companion...

- Ben Walker, FinanceBuzz


Interest Rates
Regular APR Interest Rate 18.49% ‐ 28.49% (Variable) (0% for the first 9 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.49% ‐ 28.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 4%

Cash Advance Fee 4%
Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $49.00


Sign up bonus $300 after spending $3,000

On purchases within the first 3 months

All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

You can earn up to 75% more cash back 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 up to 2.62% cash back on all purchases.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Cash Flow Management Tools
  • Travel and Emergency Services
  • Balance Connect™ for overdraft protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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