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Business Advantage Unlimited Cash Rewards
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Score Needed: Excellent
Business Advantage Unlimited Cash Rewards
At a glance
Welcome Offer

Get a $300 statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

Limited Time Offer
New Offer
All time high
Rewards
No items found.
2X
Points on other purchases
Intro APR
0% for 9 billing cycles
Balance Transfer Intro
N/A
Regular APR
17.99% - 27.99% Variable APR on purchases and balance transfers
Annual Fee
$0
Business Advantage Unlimited Cash Rewards
Application Tips
Get the best results with each application
Thinking About 2 Cards? You cannot get approved if you have more than a total of 5 Bank Of America credit cards open

No direct line. If declined, you can call the new accounts fraud department, and they can connect you to the reconsideration department

Approval Rules: Bank of America is unlikely to approve a new credit card if you currently have more than five open Bank of America credit cards. Additionally, according to the 2/6 Rule, Bank of America generally does not approve new credit card applications if you have opened more than two credit cards from any issuer in the past 12 months. However, this limit is relaxed to six cards in the past 12 months if you hold a Bank of America bank account. For the Bank AmeriCard, you may be ineligible for a new card if you currently have, or have had, the Bank AmeriCard within the past 24 months, as eligibility typically requires the previous card to be closed for a full 24 months.

Limit Increase
Credit Inquires
No items found at this time
If you freeze Experian you may be able to call reconsideration and request they pull one of the other credit bureaus)
Application Inquires Credit inquiries for all Personal BOA cards for applications within 30 days will be combined
Welcome Offer Eligibility:
Downgrade Options
Getting your card
Rescore your report: Some people have been successful in getting Bank Of America to update their balance off-cycle by calling and asking to speak to the credit bureau reporting department, then asking to speak to a manager/underwriter to submit an off-cycle request. If successful the update will take 28 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
No items found.

Travel Medical Insurance

Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home.

Extra Redemption Value

services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home.

​

Free access to business credit scoresFootnote[1]

View your Dun & Bradstreet business credit scores for free within Business Advantage 360, our Small Business Online Banking.

Extra Redemption Value

Earn up to 75% more points 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 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following Bank of America Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee

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Business Advantage Unlimited Cash Rewards Click learn more to see if you qualify
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More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article