Compare top Bank of America business cards

Which Bank of America small business card is best for you?

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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.

Name Product Rewards Purchase APR Annual fee
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 12.99% to 22.99% variable)
$0
Earn 25,000 points after spending $1,000 in the first 60 days from account opening.
% 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 13.99% to 23.99% variable)
$0
$ statement credit bonus after spending $3,000 on purchases in the first 90 days of your account opening.
N/A
0% intro for the first 7 billing cycles (then 10.99% to 21.99% variable)
$0
Earn $300 after spending $3,000 in the first 90 days.
3x miles on Alaska Airlines and 1x miles on all other purchases
16.74% to 24.74% 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.
2x miles on Asiana Airlines and x miles on all other purchases
14.99% variable
$80
Earn 10,000 miles after your first purchase.

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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

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.

Best for airline rewards: Alaska Airlines Visa® Business Card

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.

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

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.

Best for purchases: Platinum Visa® Business Credit Card

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.

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.

Compare business credit cards

If you like the idea of a Bank of America business card but prefer another bank, you can compare your options to find one that suits your preferences.

Updated October 20th, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.99% to 22.99% variable
$95
100,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
29.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
2x miles on Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe. Rates & fees

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Consider a business card from another brand

Universal Premium Mastercard®

  • Accepted at nearly 160,000 fueling locations throughout the United States
  • Choose the most convenient and cost saving sites for your business
  • Prevent unwanted non-fuel spending by limiting purchases only to the pump
  • Open cards to make purchases at over 400,000 maintenance locations
  • Save up to 6¢ per gallon with volume rebates on purchases within the Retail Savings network
  • Save up to 15% on fuel management costs
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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.

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