Best Bank of America Business Credit Cards of June 2025

Existing Bank of America® customers will get the most out of the institution's business credit cards. They can earn additional rewards by qualifying for the Preferred Rewards for Business program.
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Best Small Business Credit Card 2025
Ink Business Unlimited℠ Credit Card
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Best small-business credit card

Ink Business Unlimited® Credit Card

on Chase's website

Best Bank of America Business Credit Cards

Credit card Best for NerdWallet rating Annual fee Rewards rate Intro offer Learn more
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

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

on Bank of America's website

Flat-rate cash back

$0

1.5%

Cashback

$300

on Bank of America's website

Pros

  • New cardholder bonus offer
  • High rewards rate
  • Bonus rewards for qualifying Preferred Rewards for Business members

Cons

  • Requires excellent credit
  • Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

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

on Bank of America's website

Flexible travel rewards

$0

1.5x

Points

30,000

Points

on Bank of America's website

Pros

  • No annual fee
  • Intro APR offer
  • New cardholder bonus offer
  • No reward caps
  • Bonus rewards for qualifying Preferred Rewards for Business members

Cons

  • Requires excellent credit
  • Multiple accounts, high combined balance required to get Preferred Rewards bonus
  • Does not include lounge access or travel credits
Bank of America® Business Advantage Cash Rewards Mastercard® credit card

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

on Bank of America's website

Bonus categories like office supplies and gas

$0

1%-3%

Cashback

$300

on Bank of America's website

Pros

  • No annual fee
  • High rewards rate in bonus categories
  • New cardholder bonus offer
  • Bonus rewards for qualifying Preferred Rewards for Business members

Cons

  • Requires excellent credit
  • Complicated rewards
  • Spending caps on bonus rewards
  • Multiple accounts, high combined balance required to get Preferred Rewards bonus
Alaska Airlines Visa® Business card

Alaska Airlines Visa® Business card

on Bank of America's website

Airline miles

$70 for the company and $25 per card

1x-3x

Miles

60,000

Miles

on Bank of America's website

Pros

  • Companion benefit
  • Free checked bag

Cons

  • Requires excellent credit
  • Has annual fee
  • Rewards have limited flexibility
Credit card Best for NerdWallet rating Annual fee Rewards rate Intro offer Learn more
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

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

on Bank of America's website

Flat-rate cash back

$0

1.5%

Cashback

$300

on Bank of America's website

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

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

on Bank of America's website

Flexible travel rewards

$0

1.5x

Points

30,000

Points

on Bank of America's website

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

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

on Bank of America's website

Bonus categories like office supplies and gas

$0

1%-3%

Cashback

$300

on Bank of America's website

Alaska Airlines Visa® Business card

Alaska Airlines Visa® Business card

on Bank of America's website

Airline miles

$70 for the company and $25 per card

1x-3x

Miles

60,000

Miles

on Bank of America's website

Here are the best Bank of America business credit cards

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

Best for Flat-rate cash back

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

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

Best for Flat-rate cash back

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

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

Best for Flexible travel rewards

Annual fee
$0

Rewards rate
1.5x

Points

Intro offer
30,000

Points

on Bank of America's website

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

Best for Flexible travel rewards

Annual fee
$0

Rewards rate
1.5x

Points

Intro offer
30,000

Points

on Bank of America's website

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

Best for Bonus categories like office supplies and gas

Annual fee
$0

Rewards rate
1%-3%

Cashback

Intro offer
$300

on Bank of America's website

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

Best for Bonus categories like office supplies and gas

Annual fee
$0

Rewards rate
1%-3%

Cashback

Intro offer
$300

on Bank of America's website

Alaska Airlines Visa® Business card

Best for Airline miles

Annual fee
$70 for the company and $25 per card

Rewards rate
1x-3x

Miles

Intro offer
60,000

Miles

on Bank of America's website

Alaska Airlines Visa® Business card

Best for Airline miles

Annual fee
$70 for the company and $25 per card

Rewards rate
1x-3x

Miles

Intro offer
60,000

Miles

on Bank of America's website

Additional picks: Best Bank of America® business credit cards

The following business credit cards are not available through NerdWallet. Before applying, review card details on Bank of America's website.

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

Our pick for: Secured business card
This is our pick for the best business secured credit card. The Business Advantage Unlimited Cash Rewards Mastercard® Secured card requires a security deposit of at least $1,000, and your available credit line will be equal to your deposit. The card earns 1.5% cash-back rewards. Bank of America automatically reviews accounts to upgrade to an unsecured card.

Other business credit cards issued by Bank of America

Bank of America® also offers the Platinum Plus® Mastercard® Business credit card, which has a competitive APR and a $0 annual fee. It does not earn any ongoing rewards, though, and has a shorter intro APR period than the bank’s other business cards.
Like the other Bank of America® small-business credit cards, this card typically requires excellent credit. But if your credit is strong enough to qualify for this card, you’ll likely find alternatives that can offer more benefits for your business.

Should you get a Bank of America® business credit card?

Bank of America® business credit cards are most beneficial if you use the bank for your checking account and qualify for Preferred Rewards for Business. That program offers bonus credit card rewards — plus additional perks like higher interest rates on business savings accounts and discounts on payment processing.
To qualify for Preferred Rewards for Business, you’ll need an average balance of $20,000 over three months in a business checking account with the bank and/or a linked Merrill business investment account. Higher average balances can move you into additional rewards tiers.
The highest tier, Platinum, offers a 75% bump in credit card rewards. For instance, if you qualified for that tier and had the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, you’d get 5.25% cash back in your selected choice category instead of the standard 3%.
These business credit cards are eligible for Preferred Rewards for Business bonus rewards:
  • Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card.
  • Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card.
  • Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
  • Bank of America® WorldPoints Rewards for Business.
These cards are not eligible:
  • Bank of America® Platinum Plus® Mastercard® Business card.
  • Alaska Airlines Visa® Business card.
  • Personal credit cards.

Bank of America® business credit card benefits

In addition to the perks associated with each individual card, here are the benefits you’ll receive with all Bank of America® small-business credit cards:
  • Employee cards: Get cards for your employees and set individual spending limits.
  • Cash management tools: Download transactions into QuickBooks, make automatic payments and take advantage of other online services to manage your finances.
  • $0 liability guarantee: Zero liability for unauthorized transactions. Additional terms and conditions apply.
  • Chip cards: Insert your card or tap to pay where you see the contactless symbol.
  • Overdraft protection: Optional service to link your Bank of America® business checking account to prevent overdrafts, declined purchases or returned checks.
  • Paperless statement option: Opt for online statements instead of paper statements.
  • Online and mobile banking: Manage your account 24/7, no matter where you are.
  • Travel and emergency services: Access to a minimum of $100,000 in travel accident insurance, auto rental insurance, emergency ticket replacement and lost-luggage assistance associated with your card.

Alternatives to Bank of America® business credit cards

If you’re not a Bank of America® business banking customer or interested in becoming one, other credit card options may better fit your needs. The following competitor cards offer longer 0% introductory APR periods and more flexible rewards.

Ink Business Unlimited® Credit Card

Best for: Intro APR and simple cash back
If you’re looking for a longer intro APR period than what the Bank of America® business credit cards offer, consider the Chase Ink Business Unlimited® Credit Card. This card offers a 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-23.49% Variable APR.
This card is also a great option if you don’t qualify for Bank of America’s Preferred Rewards for Business tier, as it matches the unlimited 1.5% cash back of the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card — but with a more lucrative sign-up bonus for bigger spenders.

Capital One Spark Miles for Business

Best for: Flexible travel rewards
With the Capital One Spark Miles for Business you earn an unlimited 2x miles per dollar on every purchase with no blackouts or seat restrictions on travel. Earn an unlimited 5x miles on hotels and rental cars booked through Capital One's travel booking site. You can redeem your miles for flights, hotels and vacation packages, as well as transfer miles to a variety of Capital One’s travel partners.
This card also has a great sign-up bonus, includes a Global Entry or TSA Precheck credit and allows you to get free cards for your employees. Those cards also earn an unlimited 2x miles per dollar.
Although the Capital One Spark Miles for Business has an annual fee ($0 intro for the first year, then $95), its simple rewards structure and flexible redemption might be a better travel option for you than the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card — which earns 1.5x miles per dollar spent — or Alaska Airlines Visa® Business card, which is most valuable when rewards are spent with one airline. (See rates and fees .)
Last updated on March 26, 2025