LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Bank of America Business Advantage Cash Rewards Mastercard Review

Bank of AmericaMastercardBusinessCash backNo annual fee

Bank of America Business Advantage Cash Rewards Mastercard earned 4.3 / 5 in our 2026 review. The Bank of America Business Advantage Cash Rewards Mastercard earns 3% on chosen category with no annual fee, a $300 statement credit welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-05-01
Bank of America Business Advantage Cash Rewards Mastercard credit card
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TL;DR
Annual fee
$0
Signup bonus
$300
Top reward rate
3% on chosen category
Intro APR
0% for 9 mo
Issuer
Bank of America
Network
Mastercard
Min credit score
670
Fintiex rating
4.3 / 5
Pros
  • +3% cash back in your chosen category (gas, office supply stores, travel, TV/telecom, business consulting, or computer services)
  • +2% cash back on dining
  • +1% cash back on all other purchases
  • +3% and 2% rates apply on combined purchases up to $50,000 per year
  • +No annual fee
  • +$300 statement credit after $3,000 in purchases in first 90 days
  • +0% intro APR for 9 billing cycles on purchases
  • +Preferred Rewards for Business members earn up to 75% more cash back
  • +Free employee cards with spending limits
  • +Year-end spending summary for tax preparation
Cons
  • -$50,000 annual cap on combined 3% and 2% earnings (drops to 1% after)
  • -3% foreign transaction fee
  • -Best rewards require Preferred Rewards for Business status (Bank of America relationship)
  • -No travel benefits or purchase protections beyond basic
  • -Chosen category can only be changed once per calendar month

Rewards detail

chosen category
3%
dining
2%
everything else
1%

Rates and fees

Annual fee
$0
Purchase APR
19.24% to 29.24%
Variable, based on prime rate and creditworthiness
Intro APR
0% for 9 months
Balance transfer APR
19.24% to 29.24%
Cash advance APR
29.99%
Balance transfer fee
4%
Or $5 minimum, whichever is greater
Foreign transaction fee
3%
Who it's for

The Business Advantage Cash Rewards Mastercard is built for people who want a business, cash back or no annual fee card. Most approvals land at FICO 670 and above, but issuers prefer scores near 700. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best business cards roundup.

Compare with similar cards

Chase
Ink Business Preferred Credit Card
3x on travel
$95 fee→
Chase
Ink Business Cash Credit Card
5% on office supply stores
$0 fee→
American Express
American Express Business Gold Card
4x on top 2 business categories
$375 fee→
Brex
Brex Business Credit Card
7x on rideshare
$0 fee→

Frequently asked questions

Does the Business Advantage Cash Rewards Mastercard have a foreign transaction fee?
Yes. The Bank of America Business Advantage Cash Rewards Mastercard charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Business Advantage Cash Rewards Mastercard?
Approvals typically start around a FICO score of 670, but Bank of America prefers 700 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Business Advantage Cash Rewards Mastercard signup bonus?
New cardholders earn $300 statement credit after spending $3,000 in the first few months. Fintiex values that at about $300 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Business Advantage Cash Rewards Mastercard have an intro APR?
Yes. The Bank of America Business Advantage Cash Rewards Mastercard offers a 9-month 0% intro APR. After the promo period ends, the standard variable APR of 19.24% to 29.24% applies. Pay off the balance before the intro window closes to avoid back interest.
How much is the annual fee on the Business Advantage Cash Rewards Mastercard?
$0. The Bank of America Business Advantage Cash Rewards Mastercard has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Business Advantage Cash Rewards Mastercard worth it?
Fintiex rates the Bank of America Business Advantage Cash Rewards Mastercard 4.3 out of 5 for 2026. It is best for business and cash back and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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