Bank of America Business Advantage Unlimited Cash Rewards vs Capital One Quicksilver Student
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Capital One Quicksilver Student | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $300 statement credit | $50 cash bonus |
| Advertising | 1.5% | 1.5% |
| Shipping | 1.5% | 1.5% |
| Office supplies | 1.5% | 1.5% |
| Phone & internet | 1.5% | 1.5% |
| Travel | 1.5% | 1.5% |
| Everything else | 1.5% | 1.5% |
| Est. yearly rewards* | $675 | $675 |
| Points type | Cash back only | Pools with Capital One → transferable |
| Network | Mastercard | Visa |
*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 Bank of America Business Advantage Unlimited Cash Rewards earns about $675 a year in rewards and the Capital One Quicksilver Student about $675, valuing every point at a flat 1 cent. The Bank of America Business Advantage Unlimited Cash Rewards has no annual fee, so its rewards are all profit. The Capital One Quicksilver Student has no annual fee, so its rewards are all profit. These two are about as close as cards get: both pay a flat 1.5x on everything, neither charges an annual fee, and on that spending they finish within a few dollars of each other. The choice is not really about the rewards rate. The bigger difference is the ceiling: the Capital One Quicksilver Student earns points you can move to travel partners for outsized value, while the Bank of America Business Advantage Unlimited Cash Rewards pays plain cash back. Favor the Capital One Quicksilver Student if you will use travel transfers, the Bank of America Business Advantage Unlimited Cash Rewards if you want simplicity. One tiebreaker: the Capital One Quicksilver Student adds no foreign transaction fees, which the other does not. On the sign-up bonus, the Bank of America Business Advantage Unlimited Cash Rewards currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.