Business Advantage Unlimited Cash Rewards - Calculator

Bank of America Cash Back Calculator
Calculate how much cash back you can earn with the Bank of America Business Advantage Unlimited Cash Rewards credit card and review the benefits.
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Last Updated 2021-12-21

The Bank of America® Business Advantage Unlimited Cash Rewards is a 1.5% cash back credit card.

What sets it apart from other standard 1.5% back business cards is that you can earn up to a 75% bonus through the Preferred Rewards for Business program. This allows you to earn up to 2.62% cash back on all purchases based on how much you have invested with Bank of America and their partners.

If you're able to invest money and become a member of the Preferred Rewards for Business program, the Business Advantage Unlimited Cash Rewards credit card will be one of the best cash back credit cards for maximizing the return on all your business expenses.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Income Requirement
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Intro Bonus
Get a $300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening
Rewards Rate
1.5%
Earn 1.5% cash back on every purchase, every time.
Main Card Highlights
  • Get a $300 statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening
  • Earn unlimited 1.5% cash back on all purchases everywhere, every time
  • No annual cap and cash rewards don’t expire
  • No annual fee
  • You can earn up to 75% more cash back 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% cash back on all purchases.
  • Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you
  • 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.24% to 22.24% will apply.
  • Contactless Cards - the security of a chip card, with the convenience of a tap
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Business Advantage Unlimited Cash Rewards 1.5% Back

The Business Advantage Unlimited Cash Rewards credit card earns 1.5% cash back across all purchases. There's no cap as to how much cash back you can earn at this rate and no cap on the amount of cash back you can earn with the card overall.

Business Advantage Unlimited Cash Rewards Benefits

The Business Advantage Unlimited Cash Rewards credit card features the following perks and benefits:

Preferred Rewards Client Bonus

As a Preferred Rewards for Business client, you'll be able to earn between 25% and 75% bonus points on purchases made to the Business Advantage Unlimited Cash Rewards credit card. The amount of bonus points you earn is based on how much you have invested with Bank of America, Merrill Edge, or Merrill Lynch on a 3-month average across accounts.

Preferred Rewards for Business
Tier Bonus Points
Preferred Rewards Gold 25% Bonus
Preferred Rewards Platinum 50% Bonus
Preferred Rewards Platinum Honors, Diamond, or Diamond Honors 75% Bonus

Do note that there are many other benefits outside of extra cash back that comes with being a Preferred Rewards for Business client.

Travel & Emergency Services

The Business Advantage Unlimited Cash Rewards credit card includes the following coverage:

  • $100,000 Travel Accident Insurance
  • Auto Rental Insurance
  • Emergency Ticket Replacement
  • Lost-Luggage Assistance
  • Legal & Medical Referrals

Business Advantage Unlimited Cash Rewards Cash Back Calculator

Calculate how much cash back you can earn with the Business Advantage Unlimited Cash Rewards credit card based on your spend. Results can be compared side by side any U.S. credit card featured on the site.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Credit Cards
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Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Card Selected: -
Category Spending
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Calculate Rewards Average Value
How much is 0 worth?
Average Value
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
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Calculate Reward Transfers To Partners
Calculate Card Cash Value
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Currency Worth
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
Total Card Value
The final cash value of the credit card(s).
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Bank of America Credit Cards

Click on a Bank of America credit card to calculate total rewards and the card's cash value based on your spend, how much you value the benefits, and annual fees.

Spend entered into credit card calculators will roll over to other credit card calculators on the site, so there's no need to re-enter spend when browsing credit cards.

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