Bank of America Business Advantage Unlimited Cash Rewards vs Chase Freedom Unlimited®
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Chase Freedom Unlimited® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $300 statement credit | $200 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 | $711 |
| Points type | Cash back only | Pools with Chase → 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 Chase Freedom Unlimited® about $711, 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 Chase Freedom Unlimited® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Chase Freedom Unlimited® delivers more total value, about $36 a year more for a typical spender. The bigger difference is the ceiling: the Chase Freedom Unlimited® 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 Chase Freedom Unlimited® if you will use travel transfers, the Bank of America Business Advantage Unlimited Cash Rewards if you want simplicity. 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.