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Last fact checked: Nov. 4, 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.

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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.

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