If you run a small business — even a side hustle or a single-owner LLC — this one’s worth a look. Bank of America is showing an increased signup bonus of $750 after spending $5,000 within 90 days on several of its business credit cards, including the Unlimited Cash Rewards, Customized Cash Rewards, and Travel Rewards business cards. The report comes from Doctor of Credit, published July 23, 2026.
Why this one’s notable
$750 is a meaningfully higher bonus than these cards typically carry, which is why it caught attention in the credit card deals community the moment it surfaced. But there’s a catch built right into the headline: this is a YMMV offer — “your mileage may vary.” That means it’s not a universal, publicly advertised bonus. It showed up for some cardholders or applicants and not others, likely through a targeted mailer, a branch conversation, or a pre-qualification check. Bank of America hasn’t rolled this out as a blanket national promotion, so don’t be surprised if the version you see when you apply looks different from what’s being reported.
Who this is best for
This is squarely a small-business play, not a everyday consumer card deal:
- Small business owners and freelancers who can naturally hit $5,000 in spend within 90 days through normal operating costs (supplies, software, contractor payments, inventory).
- Side-hustlers and sole proprietors in the South who already run a chunk of their expenses through a dedicated business card and want a lump bonus to offset startup or seasonal costs.
- Anyone already banking with Bank of America — YMMV offers tend to favor existing customers, so if you have a BofA checking or savings account, it’s worth checking what you’re shown when you apply.
If you can’t realistically clear $5,000 in business spend in three months, this bonus isn’t worth chasing — you’d be stretching purchases just to hit a threshold, which defeats the point of a “free” bonus.
The caveat
Because this is a targeted, unofficial offer rather than a published promotion, availability and terms can change without notice, and there’s no guarantee everyone who applies will see the $750 version. Doctor of Credit’s community is tracking reports of who’s getting it, so it’s worth reading the original thread before applying to see how consistent the offer is and whether others are confirming it in your area.
Bottom line
If you’re a business owner in the South who already spends $5,000+ over any three-month stretch on supplies, software, or operating costs, it costs nothing to check your pre-qualified offers on Bank of America’s business card page before applying. Just go in knowing this bonus is YMMV — check what’s actually offered to you before you commit to an application, since that’s a hard credit pull either way.