Business Advantage Unlimited Cash Rewards
The Business Advantage Unlimited Cash Rewards from Bank of America earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get a $300 statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Business Advantage Unlimited Cash Rewards earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Business Advantage Unlimited Cash Rewards?
The Business Advantage Unlimited Cash Rewards fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Business Advantage Unlimited Cash Rewards fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 14% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
Does the Business Advantage Unlimited Cash Rewards have an annual fee, and what's the welcome bonus?
The Business Advantage Unlimited Cash Rewards has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Get a $300 statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- Get a $300 statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
What benefits come with the Business Advantage Unlimited Cash Rewards?
The Business Advantage Unlimited Cash Rewards includes Car Rental Insurance, Earn more cash back, Free access to business credit scores in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Car Rental InsuranceIncluded with Standard Mastercard
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.9
- Earn more cash back
Earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.
- Free access to business credit scores
services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home. Free access to business credit scoresFootnote[1] View your Dun & Bradstreet business credit scores for free within Business Advantage 360, our Small Business Online Banking.
- Global emergency servicesIncluded with Standard Mastercard
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with Standard Mastercard
Enjoy a HealthLock for Mastercard® Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- Instacart BusinessIncluded with Standard Mastercard
Fuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
- Intuit® QuickBooks® Online and QuickBooks Online PayrollIncluded with Standard Mastercard
Save 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
- Intuit® TurboTax®Included with Standard Mastercard
Save 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Common questions about the Business Advantage Unlimited Cash Rewards
Does the Business Advantage Unlimited Cash Rewards have an annual fee?
The Business Advantage Unlimited Cash Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Business Advantage Unlimited Cash Rewards?
Dining is the strongest Madeen category for the Business Advantage Unlimited Cash Rewards at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Business Advantage Unlimited Cash Rewards charge foreign transaction fees?
The Business Advantage Unlimited Cash Rewards charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Business Advantage Unlimited Cash Rewards welcome bonus?
The Business Advantage Unlimited Cash Rewards welcome offer in our snapshot: Get a $300 statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Business Advantage Unlimited Cash Rewards?
Madeen's catalog lists a typical credit range of Excellent for the Business Advantage Unlimited Cash Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Business Advantage Unlimited Cash Rewards?
Rewards on the Business Advantage Unlimited Cash Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Business Advantage Unlimited Cash Rewards compare to similar cards?
Compare the Business Advantage Unlimited Cash Rewards against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Business Advantage Unlimited Cash Rewards This card | Dining | 1.5% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
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