Skip global navigational links.Go to site map.Bank of America Logo
Small Business
Home  Locations  Contact Us  Help  Sign In
Business Credit Cards

Frequently Asked Questions

Get fast answers to most of your questions. You can also use the Search tool at the top of the page to find answers quickly.

See a list of all Frequently Asked Questions.

Business Credit Cards

WorldPoints Rewards for Business™ Visa® Card

 
 Back to Top

Platinum Visa Business Card

 
 Back to Top

Alaska Airlines Visa® Business Card

 
 Back to Top

Asiana Visa® Business Card

 
 Back to Top

Hawaiian Airlines Visa Business Card

 
 Back to Top

Cash Rewards for Business Visa® Card

 
 Back to Top

Platinum Plus for Business MasterCard

 
 Back to Top

NFIB Business MasterCard® with WorldPoints® Rewards

 
 Back to Top
Image of WorldPoints Rewards for Business™ Visa® Card

WorldPoints Rewards for Business™ Visa® Card

Can I apply for a WorldPoints Rewards for Business™ Visa® Card online?

Yes, you can apply online. Some applications may require further consideration and additional information from you.

 
 Back to Top

After I apply, how long does it take to receive a WorldPoints Rewards for Business Visa Card?

If approved, you'll normally receive your new card(s) 7 to 10 business days from our receipt of your application.

 
 Back to Top

Is there an annual fee for the WorldPoints Rewards for Business Visa Card?

There is no annual fee for this card.

 
 Back to Top

Is there an introductory annual percentage rate (APR)?

Yes. Apply today to receive a fixed 0% introductory APR on purchases. See for details.

 
 Back to Top

Can I transfer my balance from a personal Bank of America credit card to a Bank of America business card?

No. However, you can transfer balances from any non-Bank of America business credit card to a Bank of America business credit card.

 
 Back to Top

How can I transfer my non-Bank of America business credit card balance?

Eligible business owners can request to have a non-Bank of America business credit card balance transferred to their Bank of America business credit card by enrolling in Online Banking. You may also call 1.800.892.3219 and in most cases, we will transfer balances to your new card within 10 business days upon approval.

 
 Back to Top

Is the annual percentage rate the same for purchases and balance transfers?

Yes, after the introductory period for purchases, the APR for purchases and balance transfers will be a variable rate ranging from prime plus 7.99% to Prime plus 17.99%. See for details.

 
 Back to Top

How do I earn WorldPoints reward points?

You automatically receive 2 points for every $1 in net retail purchases at participating gas stations, restaurants and office supply stores. You will earn 1 point for every $1 in net retail purchases at all others. There is no monthly or annual limits.

 
 Back to Top

How do I find out how many points I have?

Your point total will be listed when you sign in to Online Banking. In addition, your point total will be listed on your monthly billing statement.

 
 Back to Top

How do I redeem my points?

Redeeming points is easy. You can redeem points online by visiting the WorldPoints Rewards site.

 
 Back to Top

Who can redeem the reward points my business has earned?

Business owners and authorized officers and contacts can redeem points.

 
 Back to Top

What is the minimum number of points required to redeem rewards?

The minimum number of points to begin redeeming rewards is 2,500.

 
 Back to Top

Will my WorldPoints rewards expire?

WorldPoints rewards expire five years from the end of the month in which they were earned. However, points transferred from another eligible card must be redeemed within 90 days of transfer.

 
 Back to Top

Is there an annual limit on the number of reward points my business can earn?

No. Your business can earn an unlimited number of points each year.

 
 Back to Top

Are there restrictions on airline tickets?

Air travel reservations must be made at least 21 days in advance and include a Saturday night stay. Car rental and hotel reservations must be made at least 7 days in advance. There are no blackout dates.

 
 Back to Top

What if the airline ticket I want is more expensive that the maximum ticket value allowed?

You may charge the difference to your WorldPoints Rewards for Business Visa Card to earn additional points.

 
 Back to Top

What happens to my points if I return an item I purchased with my credit card?

Your points are subject to adjustments to reflect both purchases and any related returns or credits.

 
 Back to Top

Are WorldPoints rewards transferable to other accounts?

Yes. You can transfer your points to your other eligible WorldPoints credit cards.

 
 Back to Top

Can I combine my points with my frequent flyer program?

No. You cannot combine points earned with your WorldPoints Rewards for Business Visa Card with any other rewards program.

 
 Back to Top

Who can I contact if I have a question about the WorldPoints program or my credit card account?

If you have questions about your credit card account or rewards program, call 1.800.673.1044 and a representative will assist you.

 
 Back to Top

Who can apply?

The WorldPoints Rewards for Business Visa Card requires the owner / authorized officer of the business to apply. Please see for important information concerning this card.

 
 Back to Top
Image of Platinum Visa Business Card

Platinum Visa Business Card

Can I apply for a Platinum Visa Business Card online and receive an online decision?

Yes, you can apply online and receive an online decision. Some applications might require further consideration and additional information from you.

 
 Back to Top

How long does it take to receive a Platinum Visa Business Card after I apply?

If approved, you'll normally receive your new card(s) 7-10 business days from our receipt of your application

 
 Back to Top

Is there an annual fee for the Platinum Visa Business Card?

There is no annual fee

 
 Back to Top

Is there an introductory annual percentage rate (APR)?

Yes. Apply today to receive a fixed 0% introductory APR on balance transfers. See for details.

 
 Back to Top

Can I transfer my balance from a personal Bank of America credit card to a Bank of America business credit card?

No. However, you can transfer balances from any non-Bank of America business credit card to a Bank of America business credit card.

 
 Back to Top

How can I transfer my non-Bank of America business credit card balance?

Eligible business owners can request to have a non-Bank of America business credit card balance transferred to their Bank of America business credit card by enrolling in Online Banking. You may also call 1.800.892.3219 and in most cases we'll transfer balances to your new card within 10 business days upon approval.

 
 Back to Top

Is the annual percentage rate the same for purchases and balance transfers?

After the introductory period for balance transfers, the APR for purchases and balance transfers will be a variable rate ranging from prime plus 5.99% to prime plus 16.99%. See for details.

 
 Back to Top

Who do I contact at Bank of America if I have a question about my Platinum Visa Business Card?

If you have a question about your account, call Customer Service at 1.800.892.3219, 7 days a week, 24 hours a day or send us an e-mail.

 
 Back to Top

Where do I send payment for my Platinum Visa Business Card account(s)?

Please send your check or money order, payable to Bank of America, to the following address:

Bank of America Business Credit
PO Box 15710
Wilmington, DE 19886-5710

 
 Back to Top

Who can apply?

The Platinum Visa Business Credit Card requires the Owner/Authorized Officer of the business to apply.

Please see the for important information concerning this offer.

 
 Back to Top

Alaska Airlines Visa Business Card

Can I apply for an Alaska Airlines Visa Business Card online and receive an online decision?

Yes, you can apply online and receive an online decision. Some applications may require further consideration and additional information from you.

 
 Back to Top

How long does it take to receive an Alaska Airlines Business Visa Card after I apply?

If approved, you'll normally receive your new card(s) 7-10 business days from our receipt of your application.

 
 Back to Top

As a business owner, do I have mileage-earning options for my business?

Yes, you may select between two mileage-earning plans for your business. Choose between a Company Level Earning Plan and the Individual Level Earning Plan. Learn more about earning plans.

 
 Back to Top

Is there an annual fee for the Alaska Airlines Visa Business Card?

The Company Level Earning Plan has a $50 annual company fee and a $25 annual fee per card. The Individual Level Earning Plan has a $75 annual fee per card and $0 for the Company.

 
 Back to Top

Is there an introductory annual percentage rate (APR)?

Yes. Apply today to receive a fixed 0% introductory APR on purchases. See for details.

 
 Back to Top

Can I transfer my balance from a personal Bank of America credit card to a Bank of America business credit card?

No. However, you can transfer balances from any non-Bank of America business credit card to a Bank of America business credit card.

 
 Back to Top

How can I transfer my non-Bank of America business credit card balance?

Eligible business owners can request to have a non-Bank of America business credit card balance transferred to their Bank of America business credit card by enrolling in Online Banking. You may also call 1.800.892.3219 and in most cases we'll transfer balances to your new card within 10 business days upon approval.

 
 Back to Top

Is the annual percentage rate the same for purchases and balance transfers?

After the introductory period for purchases, the APR for purchases and balance transfers will be a variable rate of Prime plus 9.99%. See for details.

 
 Back to Top

When will I receive my Companion Certificate?

Your initial Companion Certificate will be mailed in your Welcome Kit about seven to ten days after your credit card has been sent. Thereafter, Companion Certificates will arrive after the account is renewed and the annual fees have been paid.

 
 Back to Top

Who do I contact at Bank of America if I have a question about my Alaska Airlines Visa Business Card?

If you have a question about your account, call Customer Service at 1.800.892.3219, 7 days a week, 24 hours a day or send us an e-mail.

 
 Back to Top

How do I earn Mileage Plan Miles with my credit card?

You earn one Mileage Plan Mile for $1 spent on purchases on the card and three Mileage Plan Miles for dollar spent in purchases of Alaska Airlines or Horizon Air tickets and vacation packages.

 
 Back to Top

How many total Mileage Plan Miles do I have?

To obtain your total number of miles earned to date, contact Alaska Airlines Customer Service at 1.800.654.5669 or visit the Alaska Airlines Web site. If you have specific questions about mileage you've earned on your credit card, call Bank of America Customer Service at 1.800.892.3219.

 
 Back to Top

What's the difference between the mileage shown on my Alaska Airlines Visa Business Card statement and my Alaska Airlines' Mileage Plan statement?

The miles shown on the Alaska Airlines Visa Business Card statement are the miles earned for that month's billing cycle for purchases made to your Alaska Airlines Visa Business Card. The 20,000 Bonus Miles rewarded after your first purchase is not reported on your credit card statement; it is reported on the Mileage Plan statement. The miles shown on your Alaska Airlines Mileage Plan statement includes all miles earned from Alaska Airlines, its partners and the total accrual of your Mileage Plan Miles reported since the Mileage Plan account was opened.

 
 Back to Top

When will Mileage Plan Miles be reported to Alaska Airlines?

Miles earned on the Alaska Airlines Visa Business Card are reported to Alaska Airlines each billing cycle. You should allow approximately three to four weeks after you receive your monthly statement for miles to post to your Alaska Airlines account.

 
 Back to Top

How can I verify the Alaska Airlines Mileage Plan number used for my credit card is correct?

Call 1.800.892.3219 to verify the Mileage Plan account number on your credit card.

 
 Back to Top

When changing my address, do I need to contact both Bank of America and Alaska Airlines?

Yes. Please call both Bank of America at 1.800.892.3219 and Alaska Airlines Mileage Plan Customer Service at 1.800.654.5669.

 
 Back to Top

Where do I send payment for my Alaska Airlines Visa Business Card?

Please send your check or money order, payable to Bank of America, to the following address:

Bank of America Business Credit
PO Box 15710
Wilmington, DE 19886-5710

 
 Back to Top

What is EasyBiz?

If your company spends the majority of its travel dollars on Alaska Airlines and Horizon Air, you might qualify for enrollment in EasyBiz. It's a free and convenient way to book all of your business travel and save with no transaction fees. Enroll in EasyBiz today.

 
 Back to Top

When will I receive the 20,000 Bonus Miles?

You'll receive the miles after you make your first purchase and once the miles are reported to Alaska Airlines at the beginning of the month. The miles will not appear on your credit card statement; they'll appear on your Mileage Plan statement.

 
 Back to Top

How frequently does Bank of America report mileage to Alaska Airlines?

Miles earned on your credit card are reported to Alaska Airlines at the end of the month and miles are posted to the Mileage Plan account at the beginning of the month.

 
 Back to Top

Is there a cap on the number of miles I can earn?

Yes. With the Individual Level Earning Plan each cardholder can earn up to 1,000,000 Mileage Plan Miles per calendar year (January-December billing cycles). With the Company Level Earning Plan, the single designated Mileage Plan member can earn up to 1,000,000 Mileage Plan Miles per calendar year.

 
 Back to Top

I already have a personal Alaska Airlines credit card. Can I use the same Mileage Plan number on the Alaska Airlines Visa Business Card?

Yes, you may use the same Mileage Plan account number for both your personal and business Alaska Airlines credit cards.

 
 Back to Top

Is there a limit on the number of cards that I can request for my company?

No. There is no limit to the number of cards, but there is a limit to the number of miles that can be earned each year.

 
 Back to Top

Who can apply?

The Alaska Airlines Visa Business Card requires the Owner/Authorized Officer of the business to apply.

Please see the for important information concerning this offer.

 
 Back to Top
Asiana Visa® Business Card

Asiana Visa® Business Card

Can I apply online today for a Asiana Visa® Business Card and receive an instant decision?

Yes, you can apply online. Some applications may require further consideration and additional information from you.

 
 Back to Top

Who can apply?

The Asiana Visa Business Card requires the Owner/Authorized Officer of the business to apply.

 
 Back to Top

How do I check the status of an application?

Application processing is generally completed within 10 to 12 business days of our receipt of all required documentation. To inquire regarding the status of an application, please call 1.800.892.3219.

 
 Back to Top

After I am approved, how long does it take to receive an Asiana Visa Business Card?

If approved, you should receive your new card(s) approximately 7-10 business days after your application is processed.

 
 Back to Top

As a business owner, do I have mileage-earning options for my business?

With the Asiana Visa Business Card, all miles earned go into the company account.

 
 Back to Top

Is there an annual fee for the Asiana Visa Business Card?

The Asiana Visa Business Card has an $80 annual fee.

 
 Back to Top

Is there an introductory annual percentage rate (APR)?

Yes. Apply today to receive a fixed 0% introductory APR on purchases. See for details.

 
 Back to Top

Can I get my business name on the credit card?

Your business name will appear below the individual cardholder's name on each card that you request.

 
 Back to Top

Can I transfer my balance from a personal Bank of America credit card to a Bank of America business credit card?

No. However, you can transfer balances from any non-Bank of America business credit card to a Bank of America business credit card.

 
 Back to Top

How do I transfer my non-Bank of America business credit card balance?

After a new Asiana Visa Business Card account is open and active, eligible business owners can request to have a non-Bank of America business credit card balance transferred to their Bank of America business credit card during the enrollment process for Online Banking. If you're already a Bank of America customer enrolled in Online Banking, you can sign in and request a balance transfer online. You may also call 1.800.892.3219, and in most cases we'll transfer balances to your new card within 10 business days upon approval.

 
 Back to Top

How do I contact Bank of America if I have a question about my Asiana Visa Business Card?

Please call Customer Service at 1.800.892.3219, 7 days a week, 24 hours a day, or you can contact us via email.

 
 Back to Top

How do I earn Asiana Club miles with my credit card?

You'll earn 1 Asiana Club mile for every $1 spent on purchases on the card and 2 Asiana Club miles for every $1 spent in net purchases from Asiana Airlines and at participating grocery stores.

 
 Back to Top

Where can I find Asiana Visa Business Card grocery store partners?

To locate a participating grocery store, please review this list of partnersFind a grocery store partner.

 
 Back to Top

How do I find out how many total Asiana Club miles I have?

To obtain your total number of miles earned to date, contact Asiana Airlines Customer Service at 1.800.227.4262, or visit the Asiana AirlinesVisit the Asiana Airlines website website. If you have specific questions about mileage you've earned on your credit card, please call Bank of America Customer Service at 1.800.892.3219.

 
 Back to Top

What's the difference between the mileage shown on my Asiana Visa Business Card statement and my Asiana Club statement?

The miles shown on the Asiana Visa Business Card statement are the miles earned for that month's billing cycle for purchases made to your Asiana Visa Business Card. The miles shown on your Asiana Club statement include all miles earned from Asiana Airlines, its partners, and the total accrual of your miles reported since the Asiana Club membership account was opened.

 
 Back to Top

When will my Asiana Club miles be reported to Asiana Airlines?

Miles earned on the Asiana Visa Business Card are reported to Asiana Airlines each billing cycle. Miles should post to your Asiana Club account approximately 3 to 4 weeks after you receive your monthly statement.

 
 Back to Top

How can I verify my Asiana Club member number?

Please call 1.800.892.3219 to verify the Asiana Club member number associated with your credit card.

 
 Back to Top

When changing my address, do I need to contact both Bank of America and Asiana Airlines?

Yes. Please call Bank of America at 1.800.892.3219 and also contact Asiana Airlines Customer Service at 1.800.227.4262.

 
 Back to Top

Where do I send the payment for my Asiana Visa Business Card?

Please send your check or money order, payable to Bank of America, to the following address:
Bank of America Business Credit
PO Box 15710
Wilmington, DE 19886-5710

 
 Back to Top

When will I receive the 10,000 Bonus Asiana Club miles?

You'll receive the miles after you make your first purchase and once the miles are reported to Asiana Airlines.The miles will appear on your credit card and Asiana Club statements, 3 to 4 weeks after you receive your monthly statement.

 
 Back to Top

Is there a cap on the number of miles I can earn?

No. With the Asiana Visa Business Card, there is no limit to the number of miles you can earn per calendar year with your Business Card.

 
 Back to Top

Will my Asiana Visa Business Card have the same Asiana Club number as the personal Asiana Airlines credit card I already have?

Yes. You will use the same Asiana Club member number with both cards.

 
 Back to Top

Is there a limit on the number of cards that I can request for my company?

No, there is no limit on the number of cards you can request for your employees.

 
 Back to Top

Where can I use my Asiana Visa Business Card?

Your card is welcomed anywhere Visa credit cards and business cards are accepted, including merchants, ATMs, financial institutions, and online.

 
 Back to Top

When may I request a credit line increase?

After your account has been opened for 6 months, you may request a credit line increase.

 
 Back to Top
Hawaiian Airlines Visa Business Card

Hawaiian Airlines Visa Business Card

Can I apply online today for a Hawaiian Airlines® Visa® Business Card and receive an instant decision?

Yes, you can apply online. Some applications may require further consideration and additional information from you.

 
 Back to Top

Who can apply?

The Hawaiian Airlines Visa Business Card requires the Owner/Authorized Officer of the business to apply.

 
 Back to Top

How do I check the status of an application?

Application processing is generally completed within 10 to 12 business days of our receipt of all required documentation. To inquire regarding the status of an application, please call 1.800.892.3219.

 
 Back to Top

After I am approved, how long does it take to receive a Hawaiian Airlines Visa Business Card?

If approved, you should receive your new card(s) approximately 7-10 business days after your application is processed.

 
 Back to Top

As a business owner, do I have mileage-earning options for my business?

With the Hawaiian Airlines Visa Business Card, all miles earned go into the company account.

 
 Back to Top

Is there an annual fee for the Hawaiian Airlines Visa Business Card?

The Hawaiian Airlines Visa Business card has a $50 annual Company Fee and $25 annual fee per card.

 
 Back to Top

Is there an introductory annual percentage rate (APR)?

Yes. Apply today to receive a fixed 0% introductory APR on purchases. See for details.

 
 Back to Top

Can I get my business name on the credit card?

Your business name will appear below the individual cardholder's name on each card that you request.

 
 Back to Top

Can I transfer my balance from a personal Bank of America credit card to a Bank of America business credit card?

No. However, you can transfer balances from any non-Bank of America business credit card to a Bank of America business credit card.

 
 Back to Top

How do I transfer my non-Bank of America business credit card balance?

After a new Hawaiian Airlines Visa Business Card account is open and active, eligible business owners can request to have a non-Bank of America business credit card balance transferred to their Bank of America business credit card during the enrollment process for Online Banking. If you're already a Bank of America customer enrolled in Online Banking, you can sign in and request a balance transfer online. You may also call 1.800.892.3219, and in most cases we'll transfer balances to your new card within 10 business days upon approval.

 
 Back to Top

How and when will I receive my Companion Ticket Offer?

After you've received your business credit card, your Welcome Kit will be mailed about 7-10 days later.The redemption instructions for your Companion Offer are included in your Welcome Kit.

 
 Back to Top

How do I contact Bank of America if I have a question about my Hawaiian Airlines Visa Business Card?

Please call Customer Service at 1.800.892.3219, 7 days a week, 24 hours a day, or you can contact us via email.

 
 Back to Top

How do I earn HawaiianMiles with my business credit card?

You earn 1 HawaiianMile for every $1 spent on purchases with the card; 2 HawaiianMiles for every $1 spent on Hawaiian Airlines tickets; and up to 5 HawaiianMiles for every $1 spent with HawaiianMiles XtraMiles Partners. Also, each year that you renew your account, we'll reward the designated HawaiianMiles member with 2,000 Anniversary Bonus HawaiianMiles.

 
 Back to Top

How do I learn more about Hawaiian Airlines Visa Business Card HawaiianMiles XtraMiles Partners?

There are approximately 200 restaurants, hotels and retailers in the HawaiianMiles XtraMiles Partner program. Learn more at www.hawaiianair.comLearn more about Hawaiian Airlines XtraMiles Partners.

 
 Back to Top

How do I find out how many total HawaiianMiles I have?

To obtain your total number of miles earned to date, contact Hawaiian Airlines Customer Service at 1.877.HA MILES (426.4537).You can also check online at www.hawaiianair.comLearn more about Hawaiian Airlines XtraMiles Partners. If you have specific questions about mileage you've earned on your credit card, please call Bank of America Customer Service at 1.800.892.3219.

 
 Back to Top

What's the difference between the mileage on my Hawaiian Airlines Visa Business Card statement and my HawaiianMiles statement?

The miles shown on the Hawaiian Airlines Visa Business Card statement are the miles earned for that month's billing cycle for purchases made with your Hawaiian Airlines Visa Business Card. The miles shown on your Hawaiian Airlines HawaiianMiles statement include all miles earned from Hawaiian Airlines, its partners, and the total accrual of your HawaiianMiles reported since the account was opened.

 
 Back to Top

When will my HawaiianMiles be reported to Hawaiian Airlines?

Miles earned on the Hawaiian Airlines Visa Business Card are reported to Hawaiian Airlines each billing cycle. Miles should post to your HawaiianMiles account approximately 3 to 4 weeks after you receive your monthly statement.

 
 Back to Top

How can I verify my HawaiianMiles account number?

Please call 1.800.892.3219 or visit www.hawaiianair.comLearn more about Hawaiian Airlines XtraMiles Partners to verify the HawaiianMiles account number associated with your credit card.

 
 Back to Top

When changing my address, do I need to contact both Bank of America and Hawaiian Airlines?

Yes. Please call Bank of America at 1.800.892.3219 and also contact Hawaiian Airlines Customer Service at 1.877.HA MILES (426.4537).

 
 Back to Top

Where do I send the payment for my Hawaiian Airlines Visa Business Card?

Please send your check or money order, payable to Bank of America, to the following address:
Bank of America Business Credit
PO Box 15710
Wilmington, DE 19886-5710

 
 Back to Top

When will I receive the 10,000 Bonus HawaiianMiles and 2,000 Anniversary Bonus HawaiianMiles?

You'll receive the 10,000 Bonus HawaiianMiles after you make your first purchase and once the miles are reported to Hawaiian Airlines at the beginning of the month. You'll receive the 2,000 Anniversary Bonus HawaiianMiles each year in the billing cycle following payment of the annual fee.

 
 Back to Top

Is there a cap on the number of miles I can earn?

No. With the Hawaiian Airlines Visa Business Card, there is no cap on the number of miles that you can earn per calendar year.

 
 Back to Top

Will my Hawaiian Airlines Visa Business Card have the same HawaiianMiles number as the personal Hawaiian Airlines credit card I already have?

No, a new HawaiianMiles number will be assigned to your Hawaiian Airlines Visa Business Card.

 
 Back to Top

Is there a limit on the number of cards that I can request for my company?

No, there is no limit on the number of cards you can request.

 
 Back to Top

Where can I use my Hawaiian Airlines Visa Business Card?

Your card is welcomed anywhere Visa credit cards and business cards are accepted, including merchants, ATMs, financial institutions, and online.

 
 Back to Top

When may I request a credit line increase?

After your account has been opened for 6 months, you may request a credit line increase.

 
 Back to Top
Image of Cash Rewards for Business Visa® Card

Cash Rewards for Business Visa® Card

Can I apply for a Cash Rewards for Business Visa® Card online?

Yes, you can apply online. Some applications may require further consideration and additional information from you.

 
 Back to Top

After I apply, how long does it take to receive a Cash Rewards for Business Visa® Card ?

If approved, you'll normally receive your new card(s) 7 to 10 business days from our receipt of your application.

 
 Back to Top

Is there an annual fee for the Cash Rewards for Business Visa® Card?

There is no annual fee for this card.

 
 Back to Top

Is there an introductory annual percentage rate (APR)?

Yes. Apply today to receive a fixed 0% introductory APR on purchases. for details.

 
 Back to Top

Can I transfer my balance from a personal Bank of America credit card to a Bank of America business card?

No. However, you can transfer balances from any non-Bank of America business credit card to a Bank of America business credit card.

 
 Back to Top

How can I transfer my non-Bank of America business credit card balance?

Eligible business owners can request to have a non-Bank of America business credit card balance transferred to their Bank of America business credit card by enrolling in Online Banking. You may also call 1.800.892.3219 and in most cases, we will transfer balances to your new card within 10 business days upon approval.

 
 Back to Top

Is the annual percentage rate the same for purchases and balance transfers?

After the introductory period for purchases, the APR for purchases and balance transfers will be a variable rate between prime plus 7.99% and 17.99%. See for details.

 
 Back to Top

How do I earn cash rewards?

You will automatically earn 3% cash back for each dollar spent on purchases at office supply stores, gas stations, and for computer network services. You will earn 1% cash back on all other purchases.

 
 Back to Top

How do I find out how many rewards points I have?

Your point total will be listed when you sign in to Online Banking. In addition, your point total will be listed on your monthly billing statement.

 
 Back to Top

How do I redeem Cash Rewards?

Redeeming cash rewards is easy. You can redeem cash rewards online at www.bankofamerica.com OR by calling customer service.

 
 Back to Top

Who can redeem the cash rewards my business has earned?

Business owners and authorized officers and contacts may redeem cash rewards.

 
 Back to Top

What is the minimum threshold for redeeming rewards?

Redemptions for cash back starts at $50 and redeemable in $25 increments.

 
 Back to Top

Will my cash rewards expire?

Points will expire after 3 years.

 
 Back to Top

Is there a cap on the amount of cash back my business can earn?

There is no cap on the amount of cash back earned.

 
 Back to Top

What happens to my cash rewards if I return an item I purchased with my credit card?

Your cash rewards are subject to adjustments to reflect both purchases and any related returns or credits.

 
 Back to Top

Can cash rewards be deposited into a checking account?

Yes. You have the flexibility to directly deposit cash back into a Bank Of America checking account.

 
 Back to Top

Who can I contact if I have a question about the Cash Rewards program or my credit card account?

If you have questions about your credit card account or rewards program, call 1.800.673.1044 and a representative will assist you.

 
 Back to Top

Who can apply?

The Cash Rewards for Business Visa® Card requires the owner / authorized officer of the business to apply. Please see for important information concerning this card.

 
 Back to Top
Image of Platinum Plus for Business MasterCard

Platinum Plus for Business MasterCard

After I apply, how long does it take to receive a Platinum Plus for Business Card?

If approved, you'll normally receive your new card(s) 7-10 business days from our receipt of your application.

 
 Back to Top

Is the annual percentage rate the same for purchases and balance transfers?

After the introductory period for balance transfers, the APR for purchases and balance transfers will be a variable rate ranging from Prime plus 5.99% to Prime plus 16.99%. See for details.

 
 Back to Top

Is there an introductory annual percentage rate (APR)?

Yes. Apply today to receive a fixed 0% introductory APR on balance transfers. See for details.

 
 Back to Top

How can I transfer my non-Bank of America business credit card balance?

Eligible business owners can request to have a non-Bank of America business credit card balance transferred to their Bank of America business credit card by enrolling in Online Banking. You may also call 1.800.892.3219 and in most cases we'll transfer balances to your new card within 10 business days upon approval.

 
 Back to Top

Where do I send my payment for my Platinum Plus for Business Card account(s)?

Please send your check or money order, payable to Bank of America, to the following address:

Bank of America Business Credit
PO Box 15710
Wilmington, DE 19886-5710

 
 Back to Top

Who can apply?

The Platinum Plus for Business Card requires the Owner/Authorized Officer of the business to apply.

Please see the for important information concerning this offer.

 
 Back to Top
Picture of NFIB Business MasterCard® with WorldPoints® Rewards

NFIB Business MasterCard® with WorldPoints® Rewards

After I apply, how long does it take to receive an NFIB Business MasterCard® with WorldPoints® Rewards?

If approved, you'll normally receive your new card(s) 7-10 business days from our receipt of your application.

 
 Back to Top

Is the annual percentage rate the same for purchases and balance transfers?

After the introductory period for purchases, the APR for purchases and balance transfers will be a variable rate ranging from Prime plus 7.99% to Prime plus 17.99%. See for details.

 
 Back to Top

Is there an introductory annual percentage rate (APR)?

Yes. Apply today to receive a fixed 0% introductory APR on purchases. See for details.

 
 Back to Top

How do I earn WorldPoints reward points?

You automatically receive 1 point for every $1 in net retail purchases. There are no monthly or annual limits.

 
 Back to Top

How do I find out how many points I have?

Your point total will be listed when you sign in to Online Banking. In addition, your point total will be listed on your monthly billing statement.

 
 Back to Top

How do I redeem my points?

Redeeming points is easy. You can redeem points online by visiting the WorldPoints Rewards site.

 
 Back to Top

Who can redeem the reward points my business has earned?

Business owners and authorized officers and contacts can redeem points.

 
 Back to Top

What is the minimum number of points required to redeem rewards?

The minimum number of points to begin redeeming rewards is 2,500.

 
 Back to Top

Will my WorldPoints rewards expire?

WorldPoints rewards expire five years from the end of the month in which they were earned. However, points transferred from another eligible card must be redeemed within 90 days of transfer.

 
 Back to Top

Is there an annual limit on the number of reward points my business can earn?

No. Your business can earn an unlimited number of points each year.

 
 Back to Top

Are there restrictions on airline tickets?

Air travel reservations must be made at least 21 days in advance and include a Saturday night stay. Car rental and hotel reservations must be made at least 7 days in advance. There are no blackout dates.

 
 Back to Top

What if the airline ticket I want is more expensive that the maximum ticket value allowed?

You may charge the difference to your NFIB Business MasterCard with WorldPoints® Rewards to earn additional points.

 
 Back to Top

What happens to my points if I return an item I purchased with my credit card?

Your points are subject to adjustments to reflect both purchases and any related returns or credits.

 
 Back to Top

Are WorldPoints rewards transferable to other accounts?

Yes. You can transfer your points to your other eligible WorldPoints credit cards.

 
 Back to Top

Can I combine my points with my frequent flyer program?

No. You cannot combine points earned with your NFIB Business MasterCard with WorldPoints® Rewards with any other rewards program.

 
 Back to Top

How can I transfer my non-Bank of America business credit card balance?

Eligible business owners can request to have a non-Bank of America business credit card balance transferred to their Bank of America business credit card by enrolling in Online Banking. You may also call 1.800.892.3219 and in most cases we'll transfer balances to your new card within 10 business days upon approval.

 
 Back to Top

Where do I send my payment for my NFIB Business MasterCard® with WorldPoints® Rewards account(s)?

Please send your check or money order, payable to Bank of America, to the following address:

Bank of America Business Credit
PO Box 15710
Wilmington, DE 19886-5710

 
 Back to Top

Who can apply?

The NFIB Business MasterCard® with WorldPoints® Rewards requires the Owner/Authorized Officer of the business to apply.

Please see the for important information concerning this offer.

 
 Back to Top

Footnote We have the right to change your terms, rates and fees at any time, for any reason, in accordance with the cardholder agreement and applicable law.