Business Advantage Unlimited Cash Rewards Secured Mastercard
No annual fee as of Sep 6, 2026. Security deposit from $1,000, and your credit line equals the deposit. Unlimited 1.5% cash back on every purchase. No welcome bonus. Free access to your Dun and Bradstreet business score.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Flat 1.5% back means you never sort receipts into categories
- Deposit sets the line, so you control how much credit you carry
- Business credit visibility through a free Dun and Bradstreet score
- Path to an unsecured card through periodic review, not automatic
- Annual fee $0 as of Sep 6, 2026
- Security deposit from $1,000, credit line equals the deposit
- APR, cash advance and foreign transaction fees are not published on the product page, read the terms in the application before you sign
- Apply if your company is real, your cash is real, and your credit history is thin. Do not apply expecting a welcome bonus, there is none. Do not apply if you need a large line on day one, the deposit is the ceiling.
A business card that starts with your deposit, not your score
Most business cards ask for a personal credit file that a young company owner may not have yet. This one asks for $1,000 instead. You get the same 1.5% flat cash back that Bank of America puts on its unsecured cash rewards business card, and the account is reviewed over time for a move off the deposit.
How the deposit works
You fund a security deposit of at least $1,000 as of Sep 6, 2026. That amount becomes your credit line. The money is held while the account is open and is generally returned when the account is closed in good standing.
What you earn
Unlimited 1.5% cash back on every purchase, with no categories and no cap as of Sep 6, 2026.
What is missing
No welcome offer, and the issuer does not publish the APR, the foreign transaction fee or the cash advance terms on the product page. Those appear in the application disclosures.
Who it is for
A small business owner or a new entity that wants a card in the business name and a record that builds, and who can leave $1,000 on deposit.
Comparison
| Card | Annual fee | Rewards | Credit needed |
|---|---|---|---|
| Business Advantage Unlimited Cash Rewards Secured | $0 | 1.5% flat | Limited or No Credit |
| Ink Business Unlimited | $0 | 1.5% flat | Good to Excellent (670-850) |
| American Express Blue Business Cash | $0 | 2% on the first $50,000 a year | Good to Excellent (670-850) |
Issuer Comparison
| Bank of America card | Annual fee | Best for |
|---|---|---|
| Business Advantage Unlimited Cash Rewards Secured | $0 | Building business credit |
| Atmos Rewards Visa Signature Business | $70 for the company plus $25 per card | Alaska and Hawaiian flying |
| Bank of America Travel Rewards | $0 | Simple travel points, personal |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.