বিজ্ঞাপন

For small to mid-sized business owners who have banked with Bank of America and have significant cash at the bank, the Bank of America Business Advantage Unlimited Cash Rewards Card offers solid benefits and substantial cash-back potential. The card offers unlimited 1.5% cash back on all your purchases, but businesses with a U.S. Bank checking account and qualifying deposit amounts can get Preferred Rewards for Business to boost cash back earnings up to 2.62% cash back, with the highest tier available Increased bonus (requires maintaining an account balance of at least $100,000).

The card’s 0% introductory APR applies to purchases for the first 9 billing cycles, then the default APR variable of 12.49% to 22.49% applies to purchases and balance transfers. Balance transfer fees are $10 or 4% of the value of each transaction, whichever is higher, giving businesses a medium-term way to defer payments for large purchases. Additional benefits include purchase protection, extended warranties, collision damage waivers for rental cars, travel accident insurance up to $100,000, and other small travel and credit-related convenience benefits.

The card has no annual fee, but charges 3% of the dollar amount per transaction for outbound transactions, so it’s not a good option for international business people. The card also offers a welcome bonus: a $300 online claim bonus after making at least $3,000 in net purchases within the first 90 days of account opening.

প্রথম নজরে

বিজ্ঞাপন
  • কোন বার্ষিক ফি নেই
  • Welcome Bonus: $300 online bonus on account statement after net purchases of at least $3,000 within the first 90 days of account opening
  • 1.5% cash back on all purchases
  • The initial APR for the first 9 billing cycles of purchases is 0%, after which the default APR for purchases and balance transfers is 12.49% to 22.49%. The transfer fee is $10 per transaction or 4%, whichever is higher
  • Buy Protection and Extended Warranties
  • Comprehensive and Travel Accident Insurance.

ক্ষতিপূরণ

উপহার অর্জন

Business Advantage Unlimited Cash Rewards allows cardholders to earn 1.5% cash back on all purchases and there are no restrictions on the rewards that can be earned. Rewards earned with the Business Advantage Unlimited Cash Rewards Card can be significantly increased if the cardholder company has a Bank of America business checking account and is eligible for Business Preferred Rewards. Participating cardholders may receive additional cash back bonuses depending on their balance in qualifying accounts.

The Business Advantage Unlimited Cash Rewards Card includes a welcome bonus: $300 in online rewards with a minimum of $3,000 in net purchases within the first 90 days of account opening.

পুরস্কার রিডিম করুন

Business Advantage Unlimited Cash Rewards cardholders can redeem rewards for a deposit into a Bank of America checking or savings account, a credit to a statement, or a check in the mail.

বিজ্ঞাপন

পুরস্কারের সম্ভাবনা

The reward potential offered by the Bank of America Business Advantage Unlimited Cash Rewards Card depends on business spending and the preferred reward eligibility level.

  • A company that spends $5,000 a year will get $75 in cash back.
  • A company that spends $15,000 a year will receive $225 in cash.
  • A company that spends $25,000 a year will receive $375 in cash.
  • A company that spends $50,000 a year will receive $750 in cash.

0% প্রাথমিক মূল্য

The Bank of America Business Advantage Unlimited Cash Rewards Mastercard® Credit Card offers an initial 0% APR for the first 9 billing cycles on purchases, and a default APR of 12.49% to 22.49% for purchases and balance transfers thereafter. The transfer fee is $10 per transaction or 4%, whichever is higher.

আরও কার্ড সুবিধা

  • $0 Fraud Liability: Cardholders are not responsible for unauthorized purchases.
  • Travel Accident Insurance: Covers up to $100,000 for covered accidents that occur while traveling.
  • Rental Car Insurance: Comprehensive insurance for rental cars paid by card.
  • Buyer Protection: Eligible purchases are protected from damage, loss, theft and fire.
  • Extended Warranty Protection: When purchasing eligible items with the card, the manufacturer’s warranty is extended.

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সুন্দরভাবে মুদ্রিত

সুদ ব্যয়

বিজ্ঞাপন
  • Regular APR: 12.49% – 22.49% Variable APR for purchases and transfer
  • Purchase Introduction APR: 0% for 9 billing cycles
  • ব্যালেন্স ট্রান্সফারের ভূমিকা APR: N/A

খরচ

  • বার্ষিক ফি: $0
  • Balance transfer fee: $10 or 4% of each transaction amount, whichever is greater.
  • Cash Advance: $10 or 4% of each transaction amount, whichever is greater. Includes convenience checks.
  • Outsourcing transaction fee: 3% of the dollar amount of each transaction.

কিভাবে কার্ড স্ট্যাক করা হয়

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card Comparison
This also offers rewards equivalent to an unlimited annual fee. Ink Business Unlimited has a higher introductory APR than Business Advantage Unlimited Cash Rewards. It also offers similar benefits: Both cards offer some sort of auto rental collision damage waiver, purchase protection, and an extended warranty.

The welcome bonus of Ink Business Unlimited is a bit bigger, but it also comes with higher spend: . Those who use Chase may prefer their card, which is very similar.

Bank of America® Business Advantage Unlimited Cash Rewards MasterCard® Credit Card and American Express Blue Business Cash™ Card.

With the American Express Blue Business Cash™ Card (conditions apply, see Rates and Fees), cardholders earn 2% cash back, then 1%, on all eligible purchases up to $50,000 per calendar year. Business Advantage Unlimited Cash Rewards will earn more rewards than Amex Blue Business for those who add more than approximately $100,000 of qualifying charges to the card (assuming the Preferred Rewards for Business bonus award is not used). Otherwise, Amex Blue Business Cash deserves better rewards. However, this does not take into account the difference in welcome bonuses. Amex Blue Business Cash offers a $250 statement credit bonus after $3,000 in purchases within the first 3 months of account opening.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card with Bank of America® Business Advantage Custom Cash Rewards Mastercard® Credit Card

The fraternal twin of Advantage Unlimited Cash Rewards is the Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card, which offers similar benefits, a lower introductory APR and other perks, but a completely different cash-back income structure. With Business Advantage Customized Cash Rewards, cardholders can earn 3% cash back on categories of their choice, 2% cash back on meal purchases, and unlimited 1% cash back on all other purchases. Earn 3% and 2% cash back on the first $50,000 of elective category/restaurant purchases in each calendar year, followed by 1%. Which card of the two is the better option depends entirely on your spending habits.

এই কার্ড আপনার জন্য সঠিক?

The Business Advantage Unlimited Cash Rewards Card makes a lot of sense for small and midsize businesses that already have an account or do business with a U.S. bank. For those who want to take better advantage of certain categories of cash back, the sister card Business Advantage Customized Cash Rewards may make more sense. For non-Bank of America customers, other cards might make more sense — or at least offer similar perks and rewards and a bigger welcome bonus.

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