Business Advantage Unlimited Cash Rewards Mastercard® Secured
The Bottom Line
3.8
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Business Advantage Unlimited Cash Rewards Secured Business Credit Card is a solid option for business owners who need to build or rebuild business credit and prefer simple, predictable rewards. You earn unlimited 1.5% flat-rate cashback on every purchase with no annual fee, while a refundable security deposit helps establish your credit line. With straightforward rewards and credit-building potential, it’s best for small businesses or startups that may not yet qualify for unsecured business cards but still want to earn cashback while strengthening their business credit profile.
Business Advantage Unlimited Cash Rewards Mastercard® Secured
Apply now
On Bank of America's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
26.74% Variable APR
Credit Score
300-669 (Poor/Fair)
Rewards Earn unlimited 1.5% cashback on all purchases.
1.5% Cashback
Welcome Offer N/A
N/A
Rewards
- Earn 1.5% unlimited cashback on all purchases.
Redemption Options
- Redeem rewards as a statement credit or direct deposit into an eligible Bank of America® account or a check mailed to you.
Fees and APR
- Minimum Security Deposit: A minimum security deposit of $1,000 is required to open this account. Upon approval, your credit line will match your deposit amount.
- Annual Fee: $0.
- Regular APR: 26.74% Variable APR.
- Balance Transfer Fees: 5% of each transfer amount.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Business Perks
- Build Your Credit: Improve your business credit by making consistent, on-time payments.
- Cash Flow Management Tools: Manage your business more easily with online tools like automatic payments, fund transfers, and the ability to download transactions into QuickBooks for streamlined accounting.
- Free Access to Business Credit Scores: View your Dun & Bradstreet business credit scores at no cost through Business Advantage 360, Bank of America’s small business online banking platform.
Travel Benefits
- Travel Accident Insurance: Receive up to $100,000 in travel accident insurance when you pay for eligible travel with your card.
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
- Emergency Ticket Replacement.
- Lost-Luggage Assistance.
- Legal and Medical Referrals when you’re away from home.
Purchase Protections
- Purchase Protection: Covers eligible new purchases against damage or theft.
- Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.
Additional Features
- Experience a Seamless Transition: Your account will be periodically reviewed, and if your credit history improves, you may qualify for an unsecured card.
- Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
- 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
- Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.
Terms and Conditions
Click Apply Now to see the terms and conditions.