The Bank of America Business Advantage Unlimited Cash Rewards Master is a business credit card from Bank of America Business Advantage Unlimited Cash Rewards Master. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 17.49%–27.49% variable after a 0% introductory rate for 9 months. Approval typically requires a credit score of 700+ or higher. Rewards: 1.5% cash back on every purchase, every time. Cash back: 1.5% cash back on every purchase. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Bank of America enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card..