Bank of America Business Advantage Unlimited Cash Rewards vs IHG One Rewards Traveler Credit Card
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | IHG One Rewards Traveler Credit Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $300 statement credit | 125,000 points |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 1% |
| Phone & internet | 1.5% | 3% |
| Travel | 1.5% | 3% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $675 | $666 |
| Points type | Cash back only | Locked to IHG One Rewards |
| 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 IHG One Rewards Traveler Credit Card about $666, 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 IHG One Rewards Traveler Credit Card has no annual fee, so its rewards are all profit. The two are close on value, but the Bank of America Business Advantage Unlimited Cash Rewards edges ahead by about $9 a year, 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 IHG One Rewards Traveler Credit Card 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 IHG One Rewards Traveler Credit Card if your spending leans toward phone & internet, travel.