80,000 Points
Worth $1,200
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Dining
- 4.5%Hawaiian Air
Annual Fee
$395
Rec. Credit
Good
Bank of America
Business Advantage Unlimited Cash Rewards Mastercard® Secured
The Bank of America Business Advantage Unlimited Cash Rewards Mastercard Secured is built for business owners looking to establish or rebuild their commercial credit profile. Backed by a refundable security deposit, it functions primarily as a foundation for credit growth rather than an everyday rewards card.
Annual Fee
$0
Rec. Credit Score
Rebuilding
Good For
Rebuilding business credit
All information about Business Advantage Unlimited Cash Rewards Mastercard® Secured has been collected independently by MaxRewards. Business Advantage Unlimited Cash Rewards Mastercard® Secured is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Business Advantage Unlimited Cash Rewards Mastercard® Secured worth it?
This card is great for...
Establishing business credit
No annual fee credit building
For business owners who need to build credit history from scratch or recover from past financial setbacks, this card offers a manageable path forward. Requiring a refundable security deposit to establish your credit line, it provides the structure needed to demonstrate responsible payment habits without charging an annual fee.
Because this option lacks competitive earning rates and extra perks, its usefulness is tied directly to credit building. Once your credit standing improves and you qualify for an unsecured product, you can transition to a card that offers strong ongoing rewards and broader features.
MaxRewards Verdict
An accessible tool for business owners rebuilding credit, best used as a temporary stepping stone toward unsecured credit cards.
Eligibility
Recommended Minimum Credit
Min: Poor
Poor
Fair
Good
Excellent
Poor credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
26.74%
Variable
Transfer APR
26.74%
Variable
Cash Advance APR
27.74%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$0.05
Cash Advance
$0.05
Late Payment
$49
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Bank of America
See all 42 cards
80,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
70,000 Points
Worth $1,050
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Good