Business Advantage Unlimited Cash Rewards
By Alex Compton · Last verified
1.5% flat that quietly becomes 2.62% with a banking relationship.
Welcome Bonus
$500
≈$500 value
Spend Requirement
$5,000
in 3 months
Annual Fee
$0
3% FTF
Credit Score
700+
(Good-Excellent)
Current offer note: $500 online cash bonus
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2023, nothing has beaten $500.
Current offer
$500
All-time high
$500
Typical offer
$500
In place since
June 2025
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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Earning Rates
- 1.5xAll purchases
- 2.62xAll purchases with Preferred Rewards for Business Platinum Honors
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Preferred Rewards for Business boosts cash back 25% to 75%
- ✦Free employee cards
- ✦No category tracking required
Why it earns its spot
- +$500 bonus is large for a no fee business card
- +2.62% flat with Platinum Honors leads the flat rate market
Where it costs you
- −Plain 1.5% without a relationship is below the 2% standard
- −3% foreign transaction fee
The Compound Verdict
On its own this is a forgettable 1.5% card with a great signup bonus. Pair it with a Platinum Honors business relationship and it becomes one of the highest flat rate earners anywhere. Know which camp you are in before applying.
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