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This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
The Bank of America Business Advantage Travel Rewards World Mastercard® is designed for business owners with frequent travel expenses. It lets you earn points-based rewards that can be redeemed to pay for travel through the Bank of America® Travel Center or as a statement credit to cover your recent travel purchases. Plus, it has $0 annual and international transaction fees, helping you save on credit costs.
If you wish to compare one credit card over another, choose a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, 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 Preferred Rewards for Business Platinum Honors 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.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% 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
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, 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 Preferred Rewards for Business Platinum Honors 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.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% 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
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
When grading travel rewards business credit cards like the Bank of America Business Advantage Travel Rewards World Mastercard®, we first consider the ongoing rewards and introductory rewards. We also take into account the travel perks offered and the card’s annual fee, other fees, and introductory and ongoing APRs.
| Grading Criteria | ||
|---|---|---|
Ongoing Rewards | ||
Introductory Rewards | ||
Features | ||
Annual Fee | ||
Other Fees | 10 | |
Introductory APR | ||
Ongoing APR | ||
| Total Score |
Who Bank of America Business Advantage Travel Rewards World Mastercard® Is Best For
- Business owners who travel frequently: You can earn 3x points when you book your travel through the Bank of America® Travel Center and enjoy $0 foreign transaction fees on purchases made outside of the United States.
- Business owners with Bank of America business checking accounts: Get qualified for Preferred Rewards for Business and earn up to 75% more points for every $1 spent on all purchases. If you’re interested in getting an account, see our Bank of America business checking review for details about the account.
If this card is not right for you, check out our recommended alternatives to find a card that’s more suitable for your business. You may also see our list of the best small business credit cards for more options.
Bank of America Business Advantage Travel Rewards World Mastercard® Rewards
- 30,000 bonus points after spending at least $3,000 in purchases within the first 90 days after account opening, which can be redeemed via a $300 statement credit toward either travel or dining
- 3x points for every dollar spent when you book a rental car, a hotel stay, or airfare through the Bank of America® Travel Center
- Unlimited 1.5x points for every dollar you spend on all other purchases
- Up to 75% more points (or up to 2.62 additional points) for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for the Preferred Rewards for Business program
Rewards Calculator
Use our calculator to find out how much you can earn from Bank of America Business Advantage Travel Rewards World Mastercard® rewards. Simply input your expected monthly expenses based on the spending categories indicated, and the calculator will do the rest.
The value of Bank of America Business Advantage Travel Rewards World Mastercard® points ranges from 6/10ths of a cent to 1 cent per point, depending on how they are redeemed. When redeemed for travel or dining, 1 point is worth 1 cent. For our calculator, we compute points rewards based on the travel and dining redemption value of 1 cent per point.
How to Redeem Rewards
You can redeem points for a statement credit to cover your recent travel and dining purchases. You can also redeem them for travel with no blackout dates in the Bank of America Travel Center, as cash back, or for gift cards.
Bank of America Business Advantage Travel Rewards World Mastercard® Additional Features
- Balance ConnectTM for overdraft protection: Prevent declined purchases, returned checks, and other overdrafts with this feature. Just link your credit card to an eligible Bank of America business checking account to use this service.
- Cash flow management tools: Enjoy a suite of online cash management services, including automatic payments, fund transfers, and downloading transactions into QuickBooks.
- Paperless statement option: Opt for paperless credit card statements and increase account security while reducing paper consumption.
- Zero liability protection: Get protected against unauthorized transactions and take advantage of added protection for certain purchases against loss, damage, theft, or fire, and extended warranty coverage.
- Fraud monitoring: Get any potential fraud blocked in case the bank detects abnormal patterns in your transactions. The bank will also alert you of any suspected fraudulent activity.
- Travel and emergency services: Enjoy $1 million in travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement.
- Free access to business credit score: View and monitor your Dun & Bradstreet business credit score for free within Business Advantage 360, Bank of America’s small business online banking platform.
Bank of America Business Advantage Travel Rewards World Mastercard® Fees
APR
- Introductory: 0% APR for nine billing cycles on purchases after account opening
- Ongoing on purchases and balance transfers: 18.49% to 28.49% variable, which changes with the prime rate
- Cash advance: 29.49% variable, which changes with the prime rate
- Penalty: None
Fees
- Annual: None
- Balance transfer: Either 4% of the amount of the transfer
- Cash advance: Either 4% of the cash advance amount
- Foreign transaction: None
- Late payment:
- $0 if the balance is less than or equal to $100
- $29 if the balance is $100.01 to $1,000
- $39 if the balance is $1,000.01 to $5,000
- $49 if the balance is over $5,000
Note that your due date is at least 25 days after the close of each billing cycle.
- Website: Log in via Bank of America’s Online Banking site, select the “Bill Pay” tab, and follow the prompts.
- Mobile app: Log in to the Bank of America Android or iOS app, select your business credit card, and click “Make a payment.”
- Financial center or ATM: Drop off your payment at any Bank of America financial center or make a payment at one of the ATMs available.
- Phone: Call (800) 236-6497 and follow the prompts. There is no fee to make a payment by phone.
- Mail: Pay your business credit card bill using the following address:
Business Card Payments
Bank of America Business Card
PO Box 15710
Wilmington, DE 19850-5710
Bank of America Business Advantage Travel Rewards World Mastercard® Alternatives
American Express Business Platinum® Card
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Intro APR
N/A
Regular APR
18.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
The card offers luxury travel perks, making it an ideal option for those who travel abroad frequently. You can access over 1,400 global airport lounges through The Global Lounge Collection®. On top of that, you’ll receive over $1,000 in business and travel value annually. While it charges a high annual fee of $695, it is justified by the card’s perks. It’s no wonder that it’s one of our best business cards with airport lounge access.
U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
It is a great alternative for those who need to make a substantial purchase or plan to transfer balances from other credit cards. It comes with 0% APR on purchases for the first 12 billing cycles. On top of that, it lets you earn up to 5% cash back and a $100 statement credit every year for recurring software purchases. These are why it is one of our top business cards with 0% APR.
Capital One Spark Miles for Business
card_name
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
This card lets you earn 5x miles on hotels and rental cars that are booked through Capital One Travel, which is slightly higher than the 3x points offered by Bank of America Business Advantage Travel Rewards World Mastercard®. You’ll also receive 2x miles on all other purchases. Plus, it charges a low annual fee and $0 foreign transaction fees, and you can even transfer miles to any of Capital One’s over 15 travel partners. That is why it is our leading business card for miles.
Frequently Asked Questions (FAQs)
You are eligible to apply for a Bank of America business credit card if you are the business owner or an authorized officer who can borrow on behalf of the company. You must be a US resident or resident aliens with a US address. You need to prepare your business and personal information, as well as the personal information of all cardholders should you request for additional cards.
Preferred Rewards for Business is the program that cardholders access to valuable benefits and more rewards. To qualify, cardholders must have an existing Bank of America business checking account and a three-month combined average daily balance of $20,000 or more in Bank of America business deposit accounts and/or Merrill® business investment accounts.
Your Preferred Rewards for Business bonus rewards will vary depending on your membership tier:
Minimum Qualifying Balance | Bonus Rewards | |
|---|---|---|
Gold | $20,000 | 25% more |
Platinum | $50,000 | 50% more |
Platinum Honors | $100,000 | 75% more |
Bottom Line
The Bank of America Business Advantage Travel Rewards World Mastercard® offers unlimited travel rewards, making it ideal for those who travel frequently. It is best suited for business owners with an existing banking relationship with Bank of America. It has $0 annual and foreign transaction fees, provides a lucrative welcome offer, and comes with a 0% introductory rate. However, the 0% APR period is only for nine billing cycles, which is shorter than most other credit cards.
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