Bank of America Business Advantage Unlimited Cash Rewards vs Ink Business Cash®
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Ink Business Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $300 statement credit | |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 5% |
| Phone & internet | 1.5% | 5% |
| Travel | 1.5% | 1% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $675 | $684 |
| 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 Ink Business Cash® about $684, 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 Ink Business Cash® has no annual fee, so its rewards are all profit. The two are close on value, but the Ink Business Cash® edges ahead by about $9 a year, mostly because it earns more where you spend most, on office supplies and phone & internet. The bigger difference is the ceiling: the Ink Business Cash® 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 Ink Business Cash® 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 Ink Business Cash® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). 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, travel. Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet.