Running a business is about making smart moves and choosing the right credit card is one of them. Whether you’re just getting started or looking to rebuild your business credit, the Business Advantage Unlimited Cash Rewards Secured Business Credit Card offers real value. With consistent cash back and no annual fee, it transforms everyday spending into long-term progress.
This card does more than help you stay organized it supports your journey to stronger credit and greater financial flexibility. While it requires a security deposit, it also rewards you with unlimited 1.5% cash back on all purchases. If you’re ready to take control of your business finances with confidence, this card might be the right fit.
Business Advantage Unlimited Cash Rewards Secured Business
Build up your credit history 1.5% cash backKey Benefits of the Business Advantage Unlimited Cash Rewards Secured Business
- Unlimited 1.5% Cash Back on All Purchases
Every dollar you spend earns you 1.5% back—automatically. There are no rotating categories or complicated limits to track. - No Annual Fee
Keep your business costs down while enjoying the flexibility and perks of a modern business credit card. - Credit Building with Purpose
Ideal for businesses with limited or damaged credit history, this secured card helps you build or rebuild your credit with responsible use. - Security Deposit = Credit Line
Your refundable deposit sets your credit limit, giving you control and flexibility based on your available funds. - Potential to Graduate to Unsecured
With time and responsible use, Bank of America may upgrade your card to an unsecured version—no new application required. - Free Employee Cards
Easily issue cards to your team with spending controls, so you can track expenses and maintain oversight. - Fraud Protection and Alerts
Enjoy robust security with Bank of America’s fraud monitoring tools, helping to protect your business from unauthorized use. - Integration with Business Tools
Sync your card with accounting software and access Bank of America’s digital tools for streamlined expense management.
Rates and Fees: Business Advantage Unlimited Cash Rewards Secured Business
Here’s what you need to know about the costs:
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 28.24% variable |
| Security Deposit | Required (minimum $1,000) |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Fee | Up to $49 |
| Returned Payment Fee | Up to $39 |
Requirements and How to Apply
To apply for the Business Advantage Unlimited Cash Rewards Secured Card, you must:
- Be at least 18 years old (19 in some states)
- Have a legal business registered in the U.S.
- Provide a valid Social Security Number or Employer Identification Number (EIN)
- Be able to fund a refundable security deposit of at least $1,000
How to Apply:
- Visit the official Bank of America application page
- Click Apply Now
- Complete the online application with your personal and business information
- Submit your refundable deposit
- Receive a decision—often within minutes
Apply today and make every business purchase count.
Business Advantage Unlimited Cash Rewards Secured Business
Build up your credit history 1.5% cash backFrequently Asked Questions
1. Do I need business credit to apply?
No prior business credit is required. This card is designed to help build or rebuild your credit profile.
2. Will I be considered for an upgrade?
Yes. With responsible usage, Bank of America may review your account and upgrade you to an unsecured card.
3. Are there any travel perks?
While the card isn’t focused on travel rewards, you’ll benefit from Visa Business protections and assistance when traveling.
4. Is my deposit refundable?
Yes, the deposit is fully refundable when your account is closed in good standing or when you’re upgraded to an unsecured card.
5. What tools does the card offer?
You’ll have access to spending reports, mobile alerts, and integration with accounting software.
6. Can I use this card outside the U.S.?
Yes, but a 3% foreign transaction fee applies.
Final Thoughts
The Business Advantage Unlimited Cash Rewards Secured Business Credit Card isn’t just another business tool—it’s a stepping stone toward stronger financial foundations. For entrepreneurs looking to grow smarter, earn consistently, and establish business credit, this secured card delivers simplicity, security, and steady rewards.
