Bank of America Business Advantage Unlimited Cash Rewards vs Chase Sapphire Reserve®
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Chase Sapphire Reserve® | |
|---|---|---|
| Annual fee | No annual fee | $795 |
| Welcome offer | $300 statement credit | 100,000 Ultimate Rewards® Points |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 1% |
| Phone & internet | 1.5% | 1% |
| Travel | 1.5% | 4% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $675 | $642 |
| Points type | Cash back only | Transfers to airlines & hotels |
| 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 Sapphire Reserve® about $642, 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 Sapphire Reserve® charges $795, but carries about $2,108 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Chase Sapphire Reserve® delivers more total value, about $226 a year more for a typical spender, mostly because it earns more where you spend most, on travel. The bigger difference is the ceiling: the Chase Sapphire Reserve® 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 Sapphire Reserve® 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 Chase Sapphire Reserve® currently has the larger welcome offer. 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. Pick the Chase Sapphire Reserve® if your spending leans toward travel.