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

Kliment Dukovski

Last updated: 30 September 2019

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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	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 12.99% to 22.99% 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 13.99% to 23.99% 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 10.99% to 21.99% 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	16.74% 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.	View details	Compare	loading Fetching your data...
Asiana Visa® Business Card	2x miles on Asiana Airlines and x miles on all other purchases	14.99% 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.

Jump to …

Business Advantage Travel Rewards World Mastercard® credit card: Best for travel rewards
Alaska Airlines Visa® Business Card: Best for airline rewards
Business Advantage Cash Rewards Mastercard® credit card: Best for cashback rewards
Platinum Visa® Business Credit Card: Best for purchases

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.

- 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 12.99% to 22.99% 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.

- 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

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.

- 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 13.99% to 23.99% 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

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.

- 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 10.99% to 21.99% 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.

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	Rewards	Purchase APR	Annual fee
American Express® Blue Business Cash Card	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	Apply now View details	Compare	loading Fetching your data...
The Blue Business® Plus Credit Card from American Express	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	Apply now View details	Compare	loading Fetching your data...
Ink Business Preferred℠ Credit Card	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®	See offer View details	Compare	loading Fetching your data...
Universal Premium Mastercard®	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.	Apply now View details	Compare	loading Fetching your data...
Gold Delta SkyMiles® Business Credit Card from American Express	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	Apply now View details	Compare	loading Fetching your data...
Capital One® Spark® Cash for Business	2% cash back on all purchases	18.74% variable	$0 intro annual fee for the first year ($95 thereafter)	Earn $500 after spending $4,500 in the first 3 months.	See offer View details	Compare	loading Fetching your data...
Capital One® Spark® Cash Select for Business	1.5% cash back on all purchases	0% intro for the first 9 months (then 14.74%, 18.74% or 22.74% variable)	$0	Unlimited 1.5% cash back on every purchase, every day.	See offer View details	Compare	loading Fetching your data...
Capital One® Spark® Miles for Business	2x miles on all purchases	18.74% variable	$0 intro annual fee for the first year ($95 thereafter)	Earn unlimited 2x miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.	See offer View details	Compare	loading Fetching your data...
Capital One® Spark® Miles Select for Business	1.5x miles on all purchases	0% intro for the first 9 months (then 14.74%, 18.74% or 22.74% variable)	$0	Unlimited 1.5x miles on every purchase, every day.	See offer View details	Compare	loading Fetching your data...
American Express® Business Gold Card	4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases	15.99% to 23.99% variable	$295	Up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first 3 months, offer ends November 6, 2019. Rates & fees	Apply now View details	Compare	loading Fetching your data...
The Business Platinum® Card from American Express	5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases	N/A	$595	Earn 50,000 points after spending $10,000 and an extra 50,000 points after spending an additional $15,000 on purchases in the first 3 months from account opening. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Ink Business Unlimited℠ Credit Card	1.5% cash back on all purchases	0% intro for the first 12 months (then 15.24% to 21.24% variable)	$0	$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.	See offer View details	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card	5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases	0% intro for the first 12 months (then 15.24% to 21.24% variable)	$0	$500 bonus cash back after you spend $3,000 in the first 3 months.	See offer View details	Compare	loading Fetching your data...
U.S. Bank Business Platinum	N/A	0% intro for the first 12 billing cycles (then 12.24% to 20.24% variable)	$0	Enjoy a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
Capital One® Spark® Classic for Business	1% cash back on all purchases	24.74% variable	$0	Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.	See offer View details	Compare	loading Fetching your data...
U.S. Bank Business Cash Rewards World Elite™ Mastercard®	3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases	0% intro for the first 15 billing cycles (then 14.24% to 25.24% variable)	$0	Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
U.S. Bank Business Select Rewards	3x points in a chosen category and 1x points on all other purchases	0% intro for the first 9 billing cycles (then 14.24% to 25.24% variable)	$0	Earn 20,000 bonus points when you spend $1,000 in net purchases within the first 90 days after opening your account. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
U.S. Bank FlexPerks® Business Travel Rewards	2x points in the category you spend the most each month - gas stations, office supply stores or airlines, plus on cellular providers and 1x on all other purchases	14.24% to 25.24% variable	$0 intro annual fee for the first year ($55 thereafter)	Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more when you spend $2,000 in purchases within the first 4 months of account opening. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
U.S. Bank Business Leverage® Visa Signature® Card	2x points in the two categories you spend the most in each month and 1x points on all other purchases	18.74% variable	$0 intro annual fee for the first year ($95 thereafter)	Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
The Plum Card® from American Express	1.5% discount when you pay early	N/A	$0 intro annual fee for the first year ($250 thereafter)	Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Business Green Rewards Card from American Express	3x points at U.S. restaurants and direct hotel and airfare purchases on up to $50,000 (then 1x), 2x points on purchases through Amex Travel and 1x points on all other purchases	N/A	$95	Earn 3x points at U.S. restaurants and direct hotel and airfare purchases on up to $50,000 (then 1x), 2x points on purchases through Amex Travel and 1x points on all other purchases. Rates & fees	Apply now View details	Compare	loading Fetching your data...
The Hilton Honors American Express Business Card	12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases	17.49% to 26.49% variable	$95	Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Premier Business Credit Card	2x points on Southwest Airlines and 1x points on all other purchases	17.74% to 24.74% variable	$99	Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.	See offer View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Performance Business Credit Card	3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases	17.74% to 24.74% variable	$199	Earn 70,000 points when you spend $5,000 on purchases in the first 3 months.	See offer View details	Compare	loading Fetching your data...
Marriott Bonvoy Business™ American Express® Card	6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases	17.49% to 26.49% variable	$125	Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta Reserve for Business Credit Card	2x miles on direct Delta purchases and 1x miles on all other purchases	17.49% to 26.49% variable	$450	Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Platinum Delta SkyMiles® Business Credit Card from American Express	2x miles on direct Delta purchases and 1x miles on all other purchases	17.49% to 26.49% variable	$195	Earn 35,000 miles and 5,000 MQMs after spending $1,000 in the first 3 months plus $100 after making a direct Delta purchase in the same timeframe. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Brex for Startups	7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases	N/A	$0	The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.	Apply now View details	Compare	loading Fetching your data...
Brex for Ecommerce	N/A	N/A	$0	60-day interest-free financing for e-commerce businesses.	Apply now View details	Compare	loading Fetching your data...
United℠ Explorer Business Card	2x miles at restaurants, gas stations and office supply stores, 2x miles on United and 1x miles on all other purchases	17.74% to 24.74% variable	$95	Earn 50,000 miles after spending $5,000 in the first 3 months. Earn another 50,000 miles after spending $25,000 total in the first 6 months.	See offer View details	Compare	loading Fetching your data...