Debt and Credit
BoA Unlimited Cash Rewards Business Credit Card Review (2026.3 Update: $500 Gift)
2026.3 Update: New offer is $500.
2023.11 Update: There is an app link with a $500 donation. HT: DoC. [Update] It has expired.
2021.10 Update: This card was recently launched with a $300 donation, and now people have been able to get a link for a $500 donation. HT: student NeverBehave
Program Link
Benefits
- $500 offer: earn $500 cash back after spending $5,000 in the first 3 months. This is the best offer ever offered on this card.
- Earn 1.5% cashback on all purchases.
- BoA Preferred Rewards program (business version): If you have a checking/savings/trading account (business version) with BoA or Merrill Edge, you can earn extra points based on the value of the property. Earn 25% more rewards if you’re in the Gold category ($20k balance or more); 50% if Platinum tier ($50k balance or more); 75% if Platinum Honors tier ($100k or more in balance).
- There is no annual fee.
Evil
- It has a foreign transaction fee, so it’s not a good option outside of the US.
Recommended Application Period
- We recommend that you apply for this card after you have a credit history of at least one year.
- [New] 2/3/4 Rule: BoA will only allow a minimum of: 2 cards per 2 month roll; 3 cards per 12 month roll; and 4 cards per 24 months. Because their IT system has not been fully updated, you may not be denied due to this rule. Instead, you may be initially authorized, and then the account will be closed due to “mistaken authorization”.
- [New] 24 month policy: This card will not be available to you if you currently have ANY BOA BUSINESS CARD in the previous 24 months.
Summary
Its sign-up bonus is eligible for a no-charge card. If you can’t reach the top level of BoA Preferred Rewards (business version), then the spending rewards are 2.625% on all the best.
After applying
- Click here to check BoA application status.
- BoA reconsideration hotline: 800-732-9194. It seems the price is changing. Please let us know immediately if it fails. Representatives here can contact decision makers directly.
Historical Supply Chart
Program Link
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