Bank of America Business Advantage Unlimited Cash Rewards vs Wells Fargo Active Cash®
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $300 statement credit | $200 cash rewards bonus |
| Advertising | 1.5% | 2% |
| Shipping | 1.5% | 2% |
| Office supplies | 1.5% | 2% |
| Phone & internet | 1.5% | 2% |
| Travel | 1.5% | 2% |
| Everything else | 1.5% | 2% |
| Est. yearly rewards* | $675 | $900 |
| Points type | Cash back only | Pools with Wells Fargo → 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 Wells Fargo Active Cash® about $900, 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 Wells Fargo Active Cash® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Wells Fargo Active Cash® 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. The bigger difference is the ceiling: the Wells Fargo Active 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 Wells Fargo Active 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 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 Wells Fargo Active Cash® if your spending leans toward advertising, shipping, office supplies.