Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
$500 cash rewards after you spend $5,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagebusiness.bankofamerica.com
“Get a $500 cash rewards bonus after you make at least $5,000 in purchases within 90 days of your account opening.”
- Annual fee
- Issuer's pagebusiness.bankofamerica.com
“$0 Annual fee”
- Purchase APR
- Issuer's pagebusiness.bankofamerica.com
“APR: 16.99% to 26.99%”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $180 | $180 |
| Typical spender | $455 | $450 |
| Heavy spender | $995 | $990 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: welcome bonus needs $5,000 in 3 months.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 85% of the 650 cards we track.
- Lower top APR than about 70% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$500 cash
After you spend $5,000 on purchases in your first 3 months.
Online offer; available after account opening and qualifying purchases within 90 days.
Spending it takes$1,667 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
How you earn
- 1.5%Everything else
Rates and fees
| Annual fee | Issuer's pagebusiness.bankofamerica.com “$0 Annual fee” |
|---|---|
| Purchase APR | Issuer's pagebusiness.bankofamerica.com “APR: 16.99% to 26.99%” |
| Intro APR | Issuer's pagebusiness.bankofamerica.com “0% Introductory APR on purchases for the first 7 billing cycles” |
| Balance transfer APR | Issuer's pagebusiness.bankofamerica.com “APR: 16.99% to 26.99%” |
| Cash advance APR | Issuer's pagebusiness.bankofamerica.com “27.99% Cash Advance Variable APR” |
Carrying a balance? See how long it takes to pay off
Benefits
- Cash rewards statement credit: $300 one time
- Travel and emergency services include emergency ticket replacement, lost luggage assistance, and legal and medical referrals when away from home.
- $100,000 in travel accident insurance.
- Free access to Dun & Bradstreet business credit scores within Business Advantage 360 for eligible U.S.-based Bank of America small business clients with an open and active Small Business account.
- Advanced security and fraud monitoring.
- Digital Wallet support.
- Cash Flow Management Tools, including automatic payments, transfers, and transaction downloads to QuickBooks.
- Zero liability protection for unauthorized transactions.
- Balance Connect overdraft protection, subject to approval and other terms.
- Paperless statement option.
- Rental car
- Travel accident: $100,000
- Purchase protection
- Extended warranty
Questions
- What is the annual fee?
- $0 Annual fee business.bankofamerica.com, since Oct 2, 2026
- What is the purchase APR?
- 16.99–26.99% APR business.bankofamerica.com, since Oct 2, 2026
- Is there an intro APR?
- 0% for the first 7 billing cycles. business.bankofamerica.com, since Sep 29, 2026
- Is there a welcome bonus?
- $500 cash back after $5,000 in purchases in 3 months. business.bankofamerica.com, since Oct 2, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$260 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$200 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$175 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).