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 rewards bonus after $5,000 in purchases within 90 days; offer confirmed unchanged
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 4 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
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $500 | $5,000 in 3 mo | Terms reconfirmed$500 online cash rewards bonus after $5,000 in purchases within 90 days; offer confirmed unchanged | Bank of America Business Advantage Unlimited Cash Rewards product page → |
| 2026-06 | $500 | $5,000 in 3 mo | Terms reconfirmed$500 online cash bonus | Archive record · no attached snapshot |
| 2025-06 | $500 | $5,000 in 3 mo | Bonus increased: $300 → $500 · Spend: $3,000 → $5,000Elevated to $500 | Archive record · no attached snapshot |
| 2023-01 | $300 | $3,000 in 3 mo | Earliest record$300 online cash bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
$500 after $5,000 in 90 days, 1.5% and 2.62% Platinum Honors rate confirmed; product URL moved
Fields: applyUrl
Bank of America Business Advantage Unlimited Cash Rewards product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 1.5xAll purchases
- 2.62xAll purchases with Preferred Rewards for Business Platinum Honors75% relationship bonus
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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