Business Advantage Unlimited Cash Rewards
By Alex Compton · Last verified
1.5% flat that quietly becomes 2.62% with a banking relationship.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1.5xAll purchases
- 2.62xAll purchases with Preferred Rewards for Business Platinum Honors75% relationship bonus
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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