Business Advantage Unlimited Cash Rewards Secured Business Credit Card
No annual fee. Purchase APR 26.99%, variable.
- Annual fee
- Issuer's pagebusiness.bankofamerica.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagebusiness.bankofamerica.com
“26.99% Variable APR”
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 | $450 | $450 |
| Heavy spender | $990 | $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
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 90% of the 49 cards on our Secured list (see the list).
- Worth more to a typical spender than about 90% of the 49 cards on our Secured list (see the list).
- Lower top APR than about 65% of the 44 cards on our Cash back list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 1.5%Everything else
Rates and fees
| Annual fee | Issuer's pagebusiness.bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagebusiness.bankofamerica.com “26.99% Variable APR” |
| Balance transfer APR | Issuer's pagebusiness.bankofamerica.com “26.99% Variable APR” |
| Balance transfer fee | Issuer's pagebusiness.bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- $100,000 in travel accident insurance
- Emergency ticket replacement
- Lost-luggage assistance
- Legal and medical referrals when away from home
- Automatic payments, transfers and transaction downloads to QuickBooks
- Digital Wallet
- Free access to Dun & Bradstreet business credit scores for eligible U.S.-based Bank of America small business clients with an open and active Small Business account
- Zero liability protection for unauthorized transactions
- Balance Connect® for overdraft protection
- Fraud monitoring
- Paperless statement option
- Travel accident: $100,000
- Rental car
- Purchase protection
- Extended warranty
Questions
- What is the annual fee?
- No annual fee business.bankofamerica.com, since Sep 29, 2026
- What is the purchase APR?
- 26.99% APR 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).