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Bank of America’s Business Advantage Unlimited Cash Rewards card currently offers a $500 cash rewards bonus after at least $5,000 in purchases within 90 days of account opening. It earns 1.5% cash back on purchases by default. Eligible businesses can earn the issuer-displayed top rate of 2.62% through Platinum Honors Preferred Rewards for Business; the exact calculation is 2.625%, which the bank rounds to 2.62% on its page.
The maximum is not automatic: it requires an eligible active Bank of America business checking account and qualifying balances. The online offer may also differ from offers available through other application channels.
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How the $500 card bonus works
Bank of America’s official product page states: “Get a $500 cash rewards bonus after you make at least $5,000 in purchases within 90 days of your account opening.” These are the issuer’s offer terms checked on October 13, 2026; the application offer shown to you controls.
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Clear out junk files and repair common Windows errorsFree Scan →Scan for outdated or missing drivers - takes under a minuteDriver Scan →Repair Windows errors before they cause bigger problemsFix Now →- Apply through the channel showing the offer. Bank of America warns that this online offer may not be available if you leave the page, apply at a financial center, or call the bank.
- Meet the purchase threshold within the stated window. Make at least $5,000 in purchases within 90 days of account opening. Do not assume another promotion’s definition of qualifying purchases applies to this offer.
- Review the terms presented during application. The bank can change or discontinue promotions, and the offer does not guarantee approval.
The standard card offer should not be confused with Bank of America’s separate Small Business Alliance promotion. That offer is intended for new customers who received it through a Bank of America communication and may be changed or discontinued before December 31, 2026. It describes up to $800 in combined bonuses: a $300 business checking bonus and a $500 card bonus. The banking portion requires opening an eligible new checking account, depositing at least $3,000 of new money within 30 days, and maintaining at least $3,000 for the specified period. For its card portion, the applicant must apply for an eligible new card in response to that offer by December 31, 2026, then make at least $5,000 in net purchases that post within 90 days. Balance transfers, cash advances, fees, returns, and adjustments do not count under those Alliance terms. The restricted promotion does not automatically stack with the standard online card offer.
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What “2.625% on everything” means
The card’s base rate is 1.5% cash back on purchases. Preferred Rewards for Business adds a bonus to that base rate for eligible customers. Bank of America displays 2.62% at the top tier, Platinum Honors. The 2.625% figure is the arithmetic result of multiplying 1.5% by 1.75; the issuer displays that result rounded to 2.62%, not 2.625%.
| Preferred Rewards for Business tier | Tier bonus | Issuer-displayed rate on this card | Qualifying balance threshold |
|---|---|---|---|
| No tier | 0% | 1.50% | No tier balance threshold stated |
| Gold | 25% | 1.87% | $20,000 |
| Platinum | 50% | 2.25% | $50,000 |
| Platinum Honors | 75% | 2.62% | $100,000 |
The thresholds are based on Bank of America’s qualifying three-month combined daily balance measure. The card disclosure describes qualifying balances in Bank of America business deposit accounts and/or Merrill business investment accounts. Preferred Rewards for Business also requires an active eligible Bank of America business checking account. Opening the credit card alone does not confer a rewards tier.
Is the flat-rate card a good fit?
The Unlimited Cash Rewards card favors simple, broad earning: it has one base rate across purchases, and the top relationship rate can apply across purchases if the business qualifies. Its value therefore depends partly on whether the business already has, or can maintain, the required banking relationship and balances.
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- Consider the flat-rate structure if purchases are spread across many types of spending and predictable cash back matters more than maximizing a particular category.
- Consider the relationship requirement before counting the top rate in a budget. Qualifying balances and an eligible business checking account are prerequisites, not benefits granted simply for carrying the card.
How it compares with the Customized Cash Rewards business card
Bank of America’s Customized Cash Rewards business card is an alternative for businesses with substantial spend in a supported category. It earns 3% in a selected category, 2% on dining, and 1% on other purchases. Choice categories include gas and EV charging, office supplies, travel, TV/telecom and wireless, computer services, and business consulting services.
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| Feature | Unlimited Cash Rewards | Customized Cash Rewards |
|---|---|---|
| Base earning structure | 1.5% on purchases | 3% in a selected category, 2% on dining, 1% elsewhere |
| Category cap | No category cap stated | Combined $50,000 per calendar year in selected-category and dining purchases; those purchases earn 1% after the cap |
| Platinum Honors displayed rates | Up to 2.62% on purchases | Up to 5.25% in the selected category, 3.5% on dining within the cap, and 1.75% on other purchases |
The Customized card’s headline category rate is most useful when eligible spending is concentrated in the chosen category and dining, and stays within the shared annual cap. Compare that capped category return with the Unlimited card’s flat rate across spending; do not treat the maximum category rate as applying to every purchase.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What to check before applying
- Confirm the bonus amount, spending requirement, deadline, and application channel shown on the live offer.
- Decide whether you are evaluating the card’s 1.5% base rate or the higher rate tied to an existing Preferred Rewards for Business relationship.
- If considering the top tier, verify that your business checking account is eligible and that your qualifying balances meet the three-month measure.
- For the Customized Cash Rewards alternative, estimate annual chosen-category and dining purchases against the $50,000 combined cap.
Rates and promotional terms above reflect Bank of America product and offer pages checked October 13, 2026. Because the issuer can change offers, verify the terms presented at application.
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