Bank of America Business Advantage Unlimited Cash Rewards vs Citi® / AAdvantage® MileUp®
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Citi® / AAdvantage® MileUp® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $300 statement credit | 15,000 American Airlines AAdvantage® miles after $500 in 3 months |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 1% |
| Phone & internet | 1.5% | 1% |
| Travel | 1.5% | 1% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $675 | $450 |
| Points type | Cash back only | Locked to American Airlines AAdvantage |
| Network | Mastercard | 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 Bank of America Business Advantage Unlimited Cash Rewards earns about $675 a year in rewards and the Citi® / AAdvantage® MileUp® about $450, 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 Citi® / AAdvantage® MileUp® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Bank of America Business Advantage Unlimited Cash Rewards delivers more total value, about $225 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 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.
Pick the Bank of America Business Advantage Unlimited Cash Rewards if your spending leans toward advertising, shipping, office supplies.