Compare top Bank of America business cards

Bank of America doesn’t have as many cards in its business suite as other issuers – you won’t find a Bank of America corporate card, for example. But the bank makes up for this in quality, offering great perks for small businesses that can help you save money while avoiding high interest in the long run.

Compare Bank of America business credit cards

Use our table to sort Bank of America small business credit cards by name, intro APR, annual fee and more.

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Name	Product	Rewards	Purchase APR	Annual fee
Business Advantage Travel Rewards World Mastercard® credit card		3x points on Bank of America Travel Center and 1.5x points on all other purchases	0% intro for the first 9 billing cycles (then 12.74% to 22.74% variable)	$0	Earn 25,000 points after spending $1,000 in the first 60 days from account opening.	View details	Compare	loading Fetching your data...
Business Advantage Cash Rewards Mastercard® credit card		% cash back on a chosen business category and 2% on dining on up to $50,000 combined each year, then 1% after that and on all other purchases	0% intro for the first 9 billing cycles (then 13.74% to 23.74% variable)	$0	$ statement credit bonus after spending $3,000 on purchases in the first 90 days of your account opening.	View details	Compare	loading Fetching your data...
Platinum Visa® Business Credit Card		N/A	0% intro for the first 7 billing cycles (then 11.74% to 22.74% variable)	$0	Earn $300 after spending $3,000 in the first 90 days.	View details	Compare	loading Fetching your data...
Alaska Airlines Visa® Business Card		3x miles on Alaska Airlines and 1x miles on all other purchases	16.49% to 24.49% variable	$50	Earn 40,000 bonus miles and companion fare after you make $2,000 in purchases within the first 90 days of your account opening.	View details	Compare	loading Fetching your data...
Asiana Visa® Business Card		2x miles on Asiana Airlines and x miles on all other purchases	14.74% variable	$80	Earn 10,000 miles after your first purchase.	View details	Compare	loading Fetching your data...

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Best Bank of America business credit cards

Bank of America business credit cards fall into several categories, each with benefits and potential drawbacks to consider.

Best for travel rewards: Business Advantage Travel Rewards World Mastercard® credit card

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For small businesses looking for a general rewards card, the Business Advantage Travel Rewards World Mastercard® credit card may be a good choice. You’ll earn 3x points for bookings through the Bank of America Travel Center and 1.5x points on all other purchases. Redeem your points for statement credit toward flights, hotels, car rentals, cruises, vacation packages or baggage fees, or redeem them for cash back and gift cards.

• The perks

  • Signup bonus.

    Earn 25,000 points after you spend $1,000 on purchases in the first 60 days your account is open, which you can redeem for a $250 statement credit toward travel.

  • Earn points.

    For every dollar you spend on flights, hotels or car rentals through the Bank of America Travel Center, you earn 3 points. For all other purchases, you earn 1.5x points.

  • Intro APR on purchases.

    Get a 0% intro APR on purchases for the first 9 billing cycles after opening your account. A variable APR of 12.74% to 22.74% applies after.

  • No penalty APR.

    The Business Advantage Travel Rewards World Mastercard® credit card is one of the rare ones to waive a penalty APR. For comparison, the majority of business cards come with a variable penalty APR of up to 30%.

  • No annual fee or foreign transaction fees.

    This card comes with a $0 annual fee, which makes it easy to own long term. It also makes for a great travel companion, as you won’t incur fees for using the card abroad. Other cards come with foreign transaction fees of up to 3%.

Best for airline rewards: Alaska Airlines Visa® Business Card

Business owners who frequently fly with Alaska Airlines or Virgin America — which merged back in April 2018 — might find the Alaska Airlines Visa® Business Card valuable. You’ll earn 3x miles for purchases directly with Alaska Airlines and Virgin America, and 1x miles for all other purchases.

• The perks

  • Signup bonus.
    Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 90 days from account opening. Redeem your miles for flights, seat upgrades, hotel stays and more. Flight redemption value depends on distance and seat class for flights within the US and Alaska.
  • Earn miles.
    For every purchase directly with Alaska Airlines or Virgin America, you earn 3x miles. All other purchases earn you 1x miles. Earn extra miles with purchases made at hotel partners that include Best Western, Starwood Preferred Guest, Marriott Rewards and Coast Hotels. And if you fly with such partners as British Airways, Condor, Emirates, Qantas and Korean Air, you’ll earn yet more miles.
  • Anniversary companion fare.
    Every year on your account anniversary, get access to Alaska’s Famous Companion Fare on Alaska Airlines or Virgin America flights.
  • Free checked bags.
    Save money with a free checked bag for you and up to six passengers on your reservation.
  • No foreign transaction fees.
    Use your card freely when traveling overseas without paying fees on foreign transactions. With other cards, you’re charged a fee equal to up to 3% of each purchase abroad.

Best for cashback rewards: Business Advantage Cash Rewards Mastercard® credit card

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The Business Advantage Cash Rewards Mastercard® credit card could be ideal for companies that spend a lot on office supplies and gas each year.

For businesses that spend up to $250,000 a year on gas and office supplies, the Business Advantage Cash Rewards Mastercard® credit card might be a strong choice. Otherwise, consider the American Express® Blue Business Cash Card.

• The perks

  • Signup bonus.

    Get in statement credit after you make $3,000 in purchases in the first 90 days your account is open. This may not sound like much, but it’s easy to earn.

  • Cash back.

    For companies that are constantly on the road, this card could return decent cash at the end of the year. Redeem your cash back as a statement credit or a deposit to a Bank of America small business checking or savings account.

  • Intro APR on purchases.

    You get a 0% intro APR on purchases for the first 9 billing cycles cycles after opening your account. The rate reverts to a variable APR of 13.74% to 23.74% after. This promo might help your business if you’re planning a large purchase.

  • No annual fee.

    The Business Advantage Cash Rewards Mastercard® credit card comes with a $0 annual fee.

  • No penalty APR.

    If you pay a statement late, your APR won’t increase. Other cards impose variable penalty APRs of up to 30%, which can apply indefinitely after a single late payment.

Best for purchases: Platinum Visa® Business Credit Card

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Bank of America offers identical cards that differ by issuer only: the Platinum Plus® for Business Mastercard® and Platinum Visa® Business Credit Card.

The Platinum cards offer one of the lowest possible APRs on purchases and balance transfers, especially if your business’s credit history and score are solid.

• The perks

  • Signup bonus.
    Get $300 in statement credit after you spend $3,000 in purchases within the first 90 days your account is open. Compared with other small business credit cards, this is one of the easiest signup bonuses to earn.
  • Intro APR on purchases.
    For the first 7 billing cycles after opening your account, you get a 0% intro APR on purchases. A variable APR of 11.74% to 22.74% applies after that. This could help out with any large purchases you’re planning early on.
  • No annual fee.
    Both Platinum cards come with fee to use them, making them good choices for the long term.

How to compare Bank of America business credit cards

While Bank of America offers a small number of business cards, their specialized nature and overall strength mean you’re sure to find one that can benefit your business. When deciding on the right business card, ask yourself:

• What do you spend the most money on?
  For businesses that require frequent and large purchases of office supplies or those that are constantly on the road, the Business Advantage Cash Rewards Mastercard® credit card could be useful if you choose these categories for accelerated cash back.
• Does your company need to make a large initial purchase?
  Either of the Platinum cards offer an intro APR that can help companies carry a balance for the first few months without paying interest.
• How often do you travel?
  Businesses that require frequent travel might find the Business Advantage Travel Rewards World Mastercard® credit card a solid choice. You earn 3x points on airline, hotel or car rental purchases through the Bank of America Travel Center and 1.5x points on all other purchases.
• How often do you fly?
  For frequent Alaska Airlines and Virgin America flyers, the Alaska Airlines Visa® Business Card offers perks like free checked bags and miles redemption toward flights and seat upgrades. Or check out the Asiana Visa® Business Card if you often travel often to East Asia and Oceania countries.

Why choose a Bank of America business credit card?

Bank of America cards share a number of features that can make managing your finances easier and more secure. Read your card’s terms and conditions to learn which benefits apply to your card and how to access them.

• No penalty APR. None of the Bank of America business credit cards require a penalty APR on late or returned payment. Other cards come with variable penalty APRs of up to 30% that stick with you for 12 months or longer.
• Business Advantage Relationship Rewards. Bank of America offers a program to boost your small business’s success with rewards and benefits that grow along with your banking balances. Earn a rewards bonus of 25% to 75% on every purchase you make with eligible cards, pay no fees for select everyday banking services, get interest rate discounts for auto loans and term loans and more.
• Mobile banking. Download the Bank of America mobile app and monitor your employees’ account activity 24/7. You can also make payments, schedule payments, set alerts and more.
• Travel services. Get travel accident insurance, car rental insurance and emergency ticket replacement on travel paid for with your card.
• Chip cards. All Bank of America business cards contain chips, which makes them hard to counterfeit or copy. And you get $0 liability protection for unauthorized transactions.

Consider a top card from another brand

The Blue Business® Plus Credit Card from American Express

• Get rewarded for business as usual. Earn 2x Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
• 2x applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• Enjoy the flexibility to put more purchases on the card and earn rewards when you buy above your credit limit*.
• You’ve got the power to use your card beyond its credit limit* with Expanded Buying Power.
• More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
• 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
• Terms apply

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Bottom line

Small businesses requiring frequent travel can choose from a general travel rewards card or one of two airline cards with high rewards potential. If it’s cash back you’re after, apply for a card with a high annual cap of $50,000 or a potentially low APR on purchases that helps you carry balances with minimal costs.

As always, compare your credit card options to find the business card that best suits your spending.

Frequently asked questions

• Which Bank of America small business credit cards come with no annual fee?

  Four cards in Bank of America’s suite come with no annual fee for businesses:

  • Business Advantage Travel Rewards World Mastercard® credit card
  • Business Advantage Cash Rewards Mastercard® credit card
  • Platinum Visa® Business Credit Card
  • Platinum Plus® for Business Mastercard®

• Which Bank of America small business credit cards come with a 0% intro APR period on purchases?

  The bank offers four business cards that can help with large purchases early on:

  • Business Advantage Travel Rewards World Mastercard® credit card
  • Business Advantage Cash Rewards Mastercard® credit card
  • Platinum Visa® Business Credit Card
  • Platinum Plus® for Business Mastercard®®

• How many cards can I request for my company?

  As many as you need. The bank doesn’t limit the number of cards you can get for your business.

• Does Bank of America report its business credit cards to the consumer credit bureaus?

  No. But the bank does report your activity to the commercial credit bureaus.