American Express® Blue Cash Preferred vs Bank of America Business Advantage Unlimited Cash Rewards
Side-by-side comparison
| American Express® Blue Cash Preferred | Bank of America Business Advantage Unlimited Cash Rewards | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | $300 statement credit | $300 statement credit |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 1% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $486 | $675 |
| Points type | Cash back only | Cash back only |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express® Blue Cash Preferred earns about $486 a year in rewards and the Bank of America Business Advantage Unlimited Cash Rewards about $675, valuing every point at a flat 1 cent. The American Express® Blue Cash Preferred charges $95, but carries about $84 in annual statement credits that offset it for anyone who uses them. The Bank of America Business Advantage Unlimited Cash Rewards has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Bank of America Business Advantage Unlimited Cash Rewards delivers more total value, about $242 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bank of America Business Advantage Unlimited Cash Rewards if your spending leans toward advertising, shipping, office supplies.