MastercardBusiness Advantage Unlimited Cash Rewards
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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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