Four no-annual-fee business cards still publish a 1.5% or 1.5X base rate. This comparison covers Chase Ink Business Unlimited, Capital One Spark Cash Select, Bank of America Business Advantage Unlimited Cash Rewards, and Bank of America Business Advantage Travel Rewards. As of October 2026, Capital One’s business travel-card index does not list Spark Miles Select.
The figures below are the ones on each issuer page in October 2026. The table records a blank where the page does not publish the term.
What does this comparison include?
| Card | Annual Fee | Rewards Rate | Network | Foreign Trans. Fee |
|---|---|---|---|---|
| Ink Business Unlimited | $0 | 1.5% cash (UR Points) | Visa | 3% |
| BofA Unlimited Cash | $0 | 1.5% cash (+ boosts) | Mastercard | Not stated |
| Spark Cash Select | $0 | 1.5% cash; 5% Cap1 hotels/cars | Visa | $0 |
| BofA Travel Rewards | $0 | 1.5X points; 3X at BofA Travel | Mastercard | $0 |
| Spark Miles Select | — | Not listed on the October 2026 index | — | — |
The set is Ink Business Unlimited, Spark Cash Select, Unlimited Cash Rewards, and Travel Rewards. Each of those four pages states a $0 annual fee and a base earn of 1.5% cash back or 1.5 points per dollar.
Spark Miles Select stays in the set because the review exists. The public address that used to open that card now opens a travel index. The index does not name Spark Miles Select. The four cards that still publish a 1.5% or 1.5X base rate differ in how those rewards are redeemed.
Cards with a higher base rate, or with an annual fee, are outside this page. Category bonuses on other Ink cards are in the Ink comparison.
What does each card publish?
| Card | Annual fee | Base earn | Other published earn | Foreign transaction fee | Welcome offer on the page |
|---|---|---|---|---|---|
| Ink Business Unlimited | $0 | 1.5% cash back | 5% total on Lyft through September 30, 2027 | 3% | $750 after $6,000 in 3 months |
| Spark Cash Select | $0 | 1.5% cash back | 5% on hotels and rental cars in Capital One Business Travel | None | $750 after $6,000 in 3 months |
| Unlimited Cash Rewards | $0 | 1.5% cash back | Up to 2.62% with Preferred Rewards Platinum Honors | Not stated | $500 after $5,000 in 90 days |
| Travel Rewards | $0 | 1.5 points per dollar | 3 points at Bank of America Travel | None | 50,000 points after $5,000 in 90 days |
| Spark Miles Select | Not listed | Not listed | Not listed | Not listed | Not listed |
The table is a schedule of published terms. It is not a ranking.
What does Ink Business Unlimited publish?
- Yield at 1.5 points: Bank of America’s Travel Rewards page prices everyday purchases at 1.5 points per dollar and travel booked at BofA Travel at 3 points per dollar. Its rewards example treats a statement credit against travel and dining as 1 cent per point. Redemptions start at 2,500 points.
- Spark Miles Select: Capital One’s October 2026 business travel-card index does not list this card, so the index does not publish a current earn rate for it.
- No Foreign Transaction Fees: Bank of America states no international transaction fees on Business Advantage Travel Rewards. The Unlimited Cash Rewards page does not state that card’s foreign transaction fee.
Ink Business Unlimited lists a $0 annual fee and unlimited 1.5% cash back on purchases. The page tracks that cash back as points. It states that $1 of cash back equals 100 points.
Redemption options named on the page include cash, gift cards, and travel. The page also lists 5% total cash back on Lyft rides through September 30, 2027. That 5% is the base 1.5% plus 3.5% more on qualifying Lyft purchases.
The new-card offer is $750 cash back after $6,000 in purchases in the first 3 months. A 0% introductory APR applies for 12 months from account opening on purchases. Employee cards are listed at no additional cost.
The pricing schedule lists a 3% foreign transaction fee. The fee is 3% of each transaction amount in U.S. dollars. The same card page says the new-card bonus may be unavailable if the business has had this card, or another Chase for Business card with no annual fee. Both Bank of America cards in this comparison are part of Preferred Rewards for Business. The Unlimited Cash Rewards page says enrollment requires an eligible Bank of America business checking account and a three-month combined daily balance in qualifying Bank of America business deposit accounts and/or Merrill business investment accounts:
- Gold ($20,000): 25% bonus (1.87% on the Unlimited Cash page)
- Platinum ($50,000): 50% bonus (2.25%)
- Platinum Honors ($100,000): 75% bonus (2.62% on the Unlimited Cash page)
On Travel Rewards, the same page shows Platinum Honors at 2.62 points per dollar on non-travel purchases and 5.25 points per dollar on BofA Travel purchases.
What does Spark Cash Select publish?
Spark Cash Select lists a $0 annual fee and unlimited 1.5% cash back on purchases. The page adds unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
The page states there is no foreign transaction fee on purchases made outside the United States. The welcome offer is $750 cash back after $6,000 in purchases in the first 3 months. The purchase rate is a 0% introductory APR for 9 months, then a variable 16.99% to 26.99%. Published welcome offers, as of October 2026:
- Chase Ink Business Unlimited: $750 cash back after $6,000 in purchases in the first 3 months. Chase’s pricing page for this card lists a $0 annual membership fee and a 3% foreign transaction fee.
- Spark 1.5% Cash Select: $750 cash bonus after $6,000 in the first 3 months. The page also states a $0 annual fee, unlimited 1.5% cash back, and 5% on hotels and rental cars booked through Capital One Business Travel.
- BofA Unlimited Cash Rewards: $500 cash rewards bonus after $5,000 in purchases within 90 days of account opening.
- BofA Travel Rewards: 50,000 bonus points after $5,000 in purchases in the first 90 days. The page says those points can be redeemed for a $500 statement credit toward travel or dining purchases.
Cash back on the page has no expiration for the life of the account. A question on the page names a statement credit or a check as ways to redeem. Employee cards are listed at no additional cost.
The bonus footnote says the offer may be unavailable to existing or previous Capital One Business cardholders. The 5% rate is limited to hotels and rental cars booked in that travel tool. Other purchases stay at 1.5%.
- Use Ink Business Unlimited if you already have a Chase Sapphire or Ink Preferred card; this allows you to transfer your 1.5% earnings to airline partners for potentially higher value.
- Use BofA Unlimited Cash if you maintain $100k+ in business deposits at Bank of America; the 2.62% effective rate is the market leader for flat-rate business cards.
- Use Spark Cash Select if you want simple cash back with no foreign transaction fees and no specialized banking relationship.
- Use BofA Travel Rewards if you have the BofA banking relationship but frequently spend internationally. The Travel Rewards page states no international transaction fees. The Unlimited Cash Rewards page does not state that fee.
- Spark Miles Select is not listed on Capital One’s October 2026 business travel-card index, so that page does not publish a current miles rate or foreign transaction fee for it.
What does Unlimited Cash Rewards publish?
Unlimited Cash Rewards is a Mastercard with a $0 annual fee. The page states 1.5% cash back on purchases. It states there is no annual cap, and that rewards do not expire while the account remains open.
The product page does not state a foreign transaction fee. Redemption options on the page are a deposit into an eligible Bank of America checking or savings account, a statement credit, or a check. Employee cards are listed at no additional cost.
An online offer on the page is $500 cash rewards after at least $5,000 in purchases within 90 days of account opening. The page says that online offer may not be available away from that page.
Preferred Rewards for Business adds a bonus tied to a balance. The card page shows 1.87% at Gold, 2.25% at Platinum, and 2.62% at Platinum Honors. The balance steps on the page are at least $20,000, $50,000, and $100,000. The 2.62% figure is the Platinum Honors rate printed for this card.
What does Travel Rewards publish?
Travel Rewards is a World Mastercard. The page lists a $0 annual fee and no international transaction fees. Everyday purchases earn 1.5 points per dollar. Purchases at Bank of America Travel earn 3 points per dollar.
The page says points can offset travel and dining as a statement credit. It also says points can be used for travel at Bank of America Travel, with no blackout dates named on the page. Employee cards are listed at no additional cost.
An online offer is 50,000 bonus points after at least $5,000 in purchases in the first 90 days. The same sentence says those points can be redeemed for a $500 statement credit toward travel or dining purchases. The page says the online offer may not be available away from that page.
Preferred Rewards changes the point rates. Platinum Honors shows 5.25 points per dollar at the travel center and 2.62 points on other purchases. Gold shows 3.75 and 1.87. Platinum shows 4.5 and 2.25. The balance steps are $20,000, $50,000, and $100,000.
What does the Spark Miles Select page publish?
Spark Miles Select does not appear on the business travel index that the former product address now opens. That index does not publish an earn rate, annual fee, foreign transaction fee, or welcome offer under the Spark Miles Select name.
This comparison does not copy rates from the other cards on that index onto Spark Miles Select. A blank cell in the table means the current index does not state the term. It does not mean the fee is $0, and it does not mean the earn rate is 1.5 miles per dollar.
The review on this site remains the page for that product name. A current public schedule would have to come from an issuer page that names the card. As of October 2026, the travel index does not. Older articles that filled those cells used a page that is no longer the one at that address.
What limits the published 1.5% rate?
The 1.5% and 1.5-point figures are base rates on the four cards that still publish them. A foreign transaction fee changes the net result on a purchase converted to U.S. dollars. Ink Business Unlimited lists that fee at 3%. Spark Cash Select and Travel Rewards list no such fee. Unlimited Cash Rewards does not state one.
Bank of America prints higher rates only inside Preferred Rewards. Those rates use a balance of at least $20,000, $50,000, or $100,000. Without that balance, the printed base stays 1.5% or 1.5 points.
Travel Rewards points are described for travel and dining statement credits and for Bank of America Travel. The page does not print a cash-back percentage for a non-travel redemption. Spark Cash Select’s extra 5% applies to hotels and rental cars booked through Capital One Business Travel.
Spark Miles Select has no current rate on the issuer index. The 2% business-card comparison covers cards that publish a higher flat rate. Merchant category codes are the codes a category bonus uses when a card has one. See also: 2% Flat-Rate Business Cards Compared, Chase Ink Business Cards Compared, Merchant Category Codes Explained
