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Best Bank of America Business Credit Cards of April 2026

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.
Randa Kriss

Written by

Randa Kriss
Randa Kriss
Ryan Lane

Edited by

Ryan Lane
Ryan Lane

Edited by

Ryan Lane
Last updated on Mar 4, 2026

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What’s most important to you in a new business card?
Randa Kriss

Written by

Randa Kriss
Randa Kriss
Ryan Lane

Edited by

Ryan Lane
Ryan Lane

Edited by

Ryan Lane
Last updated on Mar 4, 2026

Expert verified

Why trust NerdWallet

Advertiser disclosure

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

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

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

Flat-rate cash back

4.6 /5
$0

1.5%

Cashback

$500
Apply now

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

Flexible travel rewards

4.2 /5
$0

1.5x

Points

50,000

Points
Apply now

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

Bonus categories like office supplies and gas

3.8 /5
$0

1%-3%

Cashback

$500
Apply now

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

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

Best for Flat-rate cash back

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

4.6

 
Read expert review
Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$500

External link icon Apply now

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

Best for Flexible travel rewards

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

4.2

 
Read expert review
Annual fee
$0

Rewards rate
1.5x

Points

Intro offer
50,000

Points
External link icon Apply now

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 Customized Cash Rewards Mastercard® credit card

Best for Bonus categories like office supplies and gas

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

3.8

 
Read expert review
Annual fee
$0

Rewards rate
1%-3%

Cashback

Intro offer
$500

External link icon Apply now

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
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  • Circular arrow around dollar sign Cash Back
  • Award trophy Points
  • Credit card with award badge No Annual Fee
  • Zero with a percent sign 0% intro APR
  • Excellent (720+)
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Showing 0 out of 3 cards

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

Best for Flat-rate cash back

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

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

Best for Flat-rate cash back

4.6

 
Read expert review
Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$500

External link icon Apply now

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
  • $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.

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
  • $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.

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

Best for Flexible travel rewards

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

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

Best for Flexible travel rewards

4.2

 
Read expert review
Annual fee
$0

Rewards rate
1.5x

Points

Intro offer
50,000

Points
External link icon Apply now

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
  • 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.

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
  • 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.

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 Customized Cash Rewards Mastercard® credit card

Best for Bonus categories like office supplies and gas

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

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

Best for Bonus categories like office supplies and gas

3.8

 
Read expert review
Annual fee
$0

Rewards rate
1%-3%

Cashback

Intro offer
$500

External link icon Apply now

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
  • $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.

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
  • $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.

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

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.
» MORE: Is the Bank of America Platinum Plus Mastercard Business credit card worth it?

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 Honors, 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.
  • Atmos™ Rewards Visa Signature® 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 16.74%-24.74% 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.
» MORE: Best cash-back credit cards for business

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 5x miles on hotels and rental cars booked through Capital One Business Travel. 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 Atmos™ Rewards Visa Signature® Business card, which is most valuable when rewards are spent with one airline. (See
rates and fees
.)
Last updated on March 4, 2026

Frequently Asked Questions

You can check the status of your Bank of America® business credit card application online or by calling Bank of America directly at 866-422-8089.
Some small-business credit card applications can be processed within 24 hours, but generally, applications are completed within 10 to 12 business days. A Bank of America® representative will contact you by phone if they have questions about your application or you need to provide additional documentation.
Bank of America offers one secured business credit card: The Business Advantage Unlimited Cash Rewards Mastercard Secured card. This secured business card requires a minimum security deposit of $1,000 and earns cash back on all purchases.
You can use the Bank of America's business secured card to build your business credit history, but it won't impact your personal credit (positively or negatively). If you want a secured card to build your personal credit, Bank of America has three options: BankAmericard® Secured, Bank of America® Customized Cash Rewards Secured and Bank of America® Unlimited Cash Rewards Secured.
Bank of America does not report business credit card activity to the personal credit bureaus as long as your account is in good standing. This means you can’t use your Bank of America® business credit card to improve your personal credit, but you can damage your credit if you fail to make payments on time.
You’re ultimately responsible for any debt you accumulate on the card. A personal guarantee, the legal promise to repay your debt, is included within the terms and conditions of the Bank of America® business credit card application.
» MORE: The business credit card personal guarantee, explained

Methodology

NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.