Bank of America Business Credit Cards
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- Online exclusive: Earn $300 statement credit bonus after making at least $3,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services.
- Earn 2% cash back on dining and 1% cash back on all other purchases.
- You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- Go to the Mobile Banking app or to Online Banking to change your choice category for future purchases once each calendar month, or make no change and the category stays the same.
- Redeem your cash back as a deposit into your Bank of America checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don't expire.
- Manage your business with a suite of online services including automatic payments, transfers, downloading transactions into QuickBooks.
- Travel services your business needs including $100,000 in travel accident insurance and auto rental insurance, emergency ticket replacement, lost–luggage assistance and the option to get extended protection.
- Credit Security: Zero liability protection, Overdraft Protection, Fraud Monitoring and Paperless Statement Option.
- Manage your account online 24/7 with secure Online and Mobile Banking. Check your balance and keep tabs on account activity for you and your employees easily anytime, anywhere.
- See More Details & Reviews About TheBusiness Advantage Cash Rewards Credit Card
- Online exclusive: $300 statement credit bonus after making at least $3,000 in purchases in the first 90 days of your account opening.
- Manage your business with a suite of online services including automatic payments, transfers, downloading transactions into QuickBooks.
- Travel services your business needs including $100,000 in travel accident insurance and auto rental insurance, emergency ticket replacement, lost–luggage assistance and the option to get extended protection.
- Credit Security: Zero liability protection, Overdraft Protection, Fraud Monitoring and Paperless Statement Option.
- Manage your account online 24/7 with secure Online and Mobile Banking. Check your balance and keep tabs on account activity for you and your employees easily anytime, anywhere.
- Unlimited employee cards at no additional cost.
- See More Details & Reviews About ThePlatinum Visa® Business Credit Card
- Online exclusive: Earn 25,000 bonus points (redeemable for a $250 statement credit toward travel purchases) when you make $1,000 in purchases in the first 60 days of your account opening.
- Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center.
- Earn 1.5 points for every $1 you spend on all purchases. No limit to the number of points you can earn and points don't expire.
- Flexibility to redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees; option for cash back and gift cards.
- No blackout dates and no travel restrictions when booking your trip.
- Credit Security: Zero liability protection, Overdraft Protection, Fraud Monitoring and Paperless Statement Option.
- Manage your business with a suite of online services including automatic payments, transfers, downloading transactions into QuickBooks.
- Travel services your business needs including $1 million in travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement.
- Manage your account online 24/7 with secure Online and Mobile Banking. Check your balance and keep tabs on account activity for you and your employees easily anytime, anywhere.
- See More Details & Reviews About TheBusiness Advantage Travel Rewards World Mastercard® Credit Card
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What is the best Bank of America business credit card?
The best Bank of America business credit card really depends on what you’re looking for. If you want a quick rewards score, it’s hard to go wrong with the Platinum Visa Business Card, which currently offers a $200 statement credit for spending at least $500 within 60 days of account opening. But it doesn’t offer ongoing rewards. So if you want a longer-lasting solution, you may want to consider one of the Business Advantage cards. Same goes for folks interested in 0% purchases, as the Business Advantage rewards cards actually offer the longest 0% intro terms of any BofA business credit cards.Needless to say, there’s a lot that goes into identifying the right credit card. So to help clarify things a bit, WalletHub’s editors picked their favorite cards by category, which you can find summarized below.
Here are the best Bank of America business credit cards:
| Best For… | Card Name | Annual Fee | Rewards | Intro Purchase APR | Min. Credit Required |
| Initial Bonus | Platinum Visa® Business Credit Card | None | Cash back (bonus only) | 0% for 7 months | Excellent Credit |
| Gas & Office Supplies | Business Advantage Cash Rewards Credit Card | None | Cash back | 0% for 9 months | Excellent Credit |
| Travel Rewards | Business Advantage Travel Rewards World Mastercard® Credit Card | None | Points | 0% for 9 months | Excellent Credit |
| Good Credit | Alaska Airlines Business Credit Card | $75 | Miles | Not Offered | Good Credit |
Finally, if you happen to belong to the Airport Owners and Pilots Association (AOPA), you should definitely check out the AOPA Business Credit Card. That doesn’t mean you should automatically apply for it, though.
Limiting yourself to cards from a single issuer usually isn’t wise, as it’s a recipe for missing great deals. So we recommend comparing your favorite Bank of America business credit card to the best business cards from other issuers. You may also want to consider consumer cards in certain situations, such as when you don’t plan to pay your balance in full every month.
Finally, as you can see above, BofA business credit cards all require good credit or better for approval. And it’s your personal credit standing that matters. So it’s a good idea to check your latest credit score for free on WalletHub to confirm that you can qualify.
Questions & Answers
Comparing bank of america business credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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How do the Merrill business cards compare? Reply
There is one Merrill business card, the Merrill Rewards for Business Visa Signature Card. A co-branded business card issued by Bank of America, it offers 1 point per $1 spent on all purchases. Points are worth 1.5 cents each. When you’ve earned a minimum of 3,000 points, you’ll be eligible to receive rewards in the form of a check or a direct deposit into an eligible Bank of America or Merrill Edge account. The card has no annual fee.
The Merrill Rewards for Business Visa Signature card stacks up favorably against other BofA business cards in some categories. However, it lags far behind on others. It requires excellent credit in order to be approved, the same as all other Bank of America business credit cards. But there’s no initial bonus or low introductory APR, and it offers far less in rewards.
One good alternative is the Bank of America Business Advantage Travel Rewards card, which offers 3 points per $1 spent on travel booked through the Bank of America Travel Center and1.5 on all other purchases. There’s also a bonus of 25,000 points when you spend $1,000 in the first 60 days. Similarly, the Business Advantage Cash Rewards card gives 1-3% cash back on select purchases and has a $300 bonus for spending $500 in the first 60 days.
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.