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These are the best products for you based on your credit.

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Last fact checked: Sep. 19, 2026

Best Bank of America Business Credit Cards

Bank of America’s small business credit cards include no annual fee options for cash back and travel rewards, along with a low-interest option. The biggest differentiator is the Business Advantage Relationship Rewards program, which can boost earnings by 25% to 75% for eligible customers. Compare the lineup below to find the right fit for your business spending.

Bank of America Categories
All CardsCash RewardsTravelNo Annual FeeStudentBusiness

Bank of America® Platinum Plus® Mastercard® Business credit card

3.5
CompareCredit Score

on Bank of America's secure site

  • 0% Intro APR for 15 billing cycles on purchases
  • 14.74% - 25.74% Variable APR on purchases
  • Pay no annual fee and enjoy employee cards at no additional cost
  • $0
  • Excellent
  • Mastercard®
  • Select to apply online
  • New Offer: 0% introductory APR on purchases for the first 15 billing cycles. After the intro APR offer ends, a Variable APR that's currently 14.74% - 25.74% will apply.
  • Save money on interest with a competitive purchase APR.
  • No annual fee.
  • Get employee cards at no additional cost to you and with credit limits you set.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Review additional details for Bank of America® Platinum Plus® Mastercard® Business credit card

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Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

4.5
CompareCredit Score

on Bank of America's secure site

  • 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • 1.5 points for every $1 spent on all purchases everywhere, every time
  • 0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
  • $0
  • Excellent
  • Mastercard®
  • Select to apply online
  • 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
  • No limit to the amount of points you can earn and points don't expire as long as your account remains open.
  • No annual fee and no international transaction fees.
  • Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
  • 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Review additional details for Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

More Info

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

4.5
CompareCredit Score

on Bank of America's secure site

  • Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases
  • 0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
  • $0
  • Excellent
  • Mastercard®
  • Select to apply online
  • $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
  • You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
  • You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
  • No annual fee.
  • Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
  • To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
  • 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Review additional details for Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

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Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.5
CompareCredit Score

on Bank of America's secure site

  • Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • 1.5% cash back on purchases
  • 0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
  • $0
  • Excellent
  • Mastercard®
  • Select to apply online
  • $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
  • No annual cap and cash rewards don’t expire as long as your account remains open.
  • No annual fee.
  • Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
  • 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
  • Contactless Cards - the security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Review additional details for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

More Info

About Bank of America Business Cards:


For most small businesses, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is the strongest pick: 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases all with a $0 annual fee.

High-spending businesses may prefer the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card for simplicity or the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card for international purchases with no foreign transaction fees.

Credit & Reporting:


Bank of America generally reports business card activity to business credit bureaus rather than personal, which can help keep your personal credit utilization lower if you run significant spend through the card. A personal guarantee is typically required for approval on most Business Advantage products.

Frequently Asked Questions:

Can I get a Bank of America business credit card with an EIN only?
Most business credit cards, including those from Bank of America, require a personal guarantee tied to the applicant. This means your personal credit may still be considered when applying.

What is Business Advantage Relationship Rewards?
It’s Bank of America’s loyalty program for business banking customers. Based on your combined balances, you can qualify for a 25% to 75% bonus on rewards on eligible business credit cards.

Do I need a registered LLC to apply for a Bank of America business card?
No. Sole proprietors, freelancers, and gig workers can apply using their Social Security number as the tax ID. You'll identify your business type on the application, and many applicants with side businesses qualify.

Can business card purchases earn Preferred Rewards bonuses?
Yes. Eligible Bank of America business credit cards can receive Preferred Rewards bonuses, increasing your rewards rate based on your Preferred Rewards tier.