This Bank of America Business Card Could Earn You $1,200+ in 2026

Published on Jan. 16, 2026

Joel O'Leary

By: Joel O'Leary

Full-Time Personal Finance Writer

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

2026 is shaping up to be a big year for small businesses. As you're goal setting and thinking about expanding, hiring, or just trying to stay lean and profitable, it's worth exploring whether a new business credit card can boost your bottom line, too.

I've reviewed hundreds of cards, and the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card is a great deal right now. It's low-effort, high-reward -- especially if you're already banking with Bank of America.

Here's how it could realistically earn your business over $1,200 this year just by doing what you're already doing.

Easy cash back with $0 annual fee

The last thing you want as a business owner is another expense to manage, and a complicated rewards system. That's why this card is one of my top picks for businesses in 2026.

The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card has no annual fee, and earns easy cash back on everything you buy.

Here are the key features:

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • $300 cash back after you make at least $3,000 in purchases in the first 90 days of your account opening
  • Flexible redemption options, including direct deposit, statement credit, or mailed check

And if you're part of the Preferred Rewards for Business program with Bank of America, you can potentially get 25%-75% more cash back depending on your account tier. That's a huge multiplier on autopilot.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply Now for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

On Bank of America's Secure Website.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
4.60/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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4.60/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

On Bank of America's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR Circle with letter I in it. 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.

Purchases: 0%, 7 billing cycles

Balance Transfers: N/A

Regular APR

16.74% - 26.74% (Variable)

Rewards Circle with letter I in it. Earn unlimited 1.5% cash back on all purchases

1.5% cash back

Annual Fee

$0.00

Welcome Offer Circle with letter I in it. $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

$300 cash back

  • For businesses that want rewards on every dollar, this card keeps it simple. Earn unlimited 1.5% cash back, a $300 welcome bonus, and 0% Intro APR for 7 billing cycles on purchases (then 16.74% - 26.74% (Variable)), with no annual fee. Qualify for Preferred Rewards for Business and you can boost earnings up to 2.62% cash back.

    • Unlimited cash back with no expiration
    • No annual fee
    • Intro APR
    • Foreign transaction fees
    • Mediocre incentives
    • Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
    • Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
    • No annual cap and cash rewards don’t expire as long as your account remains open.
    • No annual fee.
    • Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
    • 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
    • Contactless Cards - the security of a chip card, with the convenience of a tap.
    • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Bank of America content updated on 1/7/26.

How much you could earn in 2026

Let's say your business spends around $5,000 per month, which is fairly typical for small operations when you factor in inventory, ads, subscriptions and travel.

Here's how all that spending would accrue cash back in a year:

  • $60,000 x 1.5% = $900 cash back
  • Preferred Rewards (25% boost) = $1,125 cash back
  • Preferred Rewards (75% boost) = $1,575 cash back

Add in the $300 welcome offer (after you make at least $3,000 in purchases in the first 90 days of your account opening), and you're looking at $1,200-$1,875+ in total value depending on your rewards tier.

That's a solid payout for simply routing your regular business expenses through one card.

Who this card is best for

This card is ideal for business owners who want steady cash back without overthinking categories or limits. It's even more rewarding if you already bank with Bank of America and can unlock the Preferred Rewards boost.

Bottom line: If you've been meaning to upgrade your business card for 2026, this one makes it easy to earn more from your everyday operations -- without adding extra work.

Explore all of our top small business card picks for 2026, and set your business up for a strong year ahead.

Our Research Expert

Joel O'Leary
Joel O'Leary icon-button-linkedin-2x

Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.