Bank of America Business Advantage Unlimited Cash Rewards Mastercard
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Sensei's take
Typical welcome bonusBonus points, miles or cash a card gives new cardholders who spend a set amount within the first few months. Glossary: $500 cash back. No annual fee, and 1.5% cash back on everything. Keeper card
- Bonus$500 cash bonusSpend $5,000 in 90 days
- Fee vs perks$0 fee · $0 perksPerks a year if you use them all
- Value+$500Year one · +$0 after
- Good time?Good time to apply$500 today · $500 5-year high
- Catches2 to know3% fee abroad · Redeem before you close it
- Sensei's moves1 trickEarn up to 75% more with Preferred Rewards for Business
Credits and perks
Tick perks you won't use, or type what a perk is worth to you. The math updates either way.
Bonus
- Bonus
- $500 cash bonus
- To earn it
- Spend $5,000 in 90 days
- Annual fee
- No annual fee
- Credits
- No statement credits
- Apply by
- No public end date stated
Card value
Card value
- Year one
- +$500
- Each year after
- +$0
Worth it, both years
Counts the perks you haven't skipped. ?PerkSensei estimateYear one: the sign-up bonus at its estimated value (points at the average of The Points Guy and Frequent Miler, travel cards valued for travel, cash at face, an "up to" bonus at its highest public offer), plus the yearly value of each perk you keep, minus the annual fee. Each year after leaves the bonus out. The fee is never estimated.
How we got this
- Bonus, $500 ?PerkSensei estimate. Cash and statement credits count at face value.
- $500
- Credits you use, year one
- $0
- Annual fee
- $0
After year oneOur estimate of a card's first year: the welcome offer's value plus the perks you'd use, minus the annual fee. Glossary: credits $0, no fee
Good time to apply?
Good time to apply
- Today
- $500
- $5,000 spend
- 5-year high
- $500
- 3 times · today's offer, since Mar 2026
- Usual offer
- $500
- Most months in 5 years
Usual offer: $500, most months in 5 years
Sign-up bonus dollars, last 5 years up to today
Spend needed to earn the bonus
$5k spend
| When | Bonus | Spend | First-year fee |
|---|---|---|---|
| Nov 2021–Jul 2023 | $500 | $5,000 spend | Waived |
| Jul–Nov 2023 | $300 | $3,000 spend | Waived |
| Nov 2023–Dec 2024 | $500 | $5,000 spend | Waived |
| Dec 2024–Mar 2026 | $300 | $3,000 spend | Waived |
| Mar–Oct 2026 (today) | $500 | $5,000 spend |
Sources (1)
Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.
Public offersAn offer anyone can get by applying on the bank's own page, unlike targeted, referral or in-flight offers. Glossary anyone could apply for, Nov 2021–Oct 2026. Targeted and referral offers aren't shown.
Biggest catches
3% fee abroad
Purchases in a foreign currency cost 3% extra, so use another card when you travel. bankofamerica.com
Redeem before you close it
Close the card and you have 90 days to redeem your cash back. If Bank of America closes it for any reason other than inactivity, it can be taken away at once. bankofamerica.com
Results vary: approval and bonus eligibility are the issuer's decision.
Sensei's moves
Earn up to 75% more with Preferred Rewards for Business
You need a Bank of America business checking account and an average of $20,000, $50,000 or $100,000 over three months in business deposits or Merrill business investments, for 25%, 50% or 75% more: 1.5% back becomes up to 2.62% on everything.
Still works as of Oct 27, 2026 · business.bankofamerica.com
Terms and eligibility can change. Confirm the details with the issuer before you apply.
Weighing this card? Put it before the Money Court jury
Sources
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