Skip to main content
warning-icon
You are using an unsupported browser version.Learn more or update your browser.
close browser upgrade notice

Business Advantage Customized Cash Rewards credit card

{{{applyNow applyNowLink requestType campaignId site sparta false catalog}}}
{{{termsAndConditions termsAndConditionsLink campaignId site sparta true offerLinks.OFFER_TERMS_LABEL }}}
{{{getProgramRulesLink programRulesPopup offerLinks.PROGRAM_RULES_LABEL offerLinks.PROGRAM_RULES_LINK}}}
Business Advantage Cash Rewards Mastercard® credit card

$500 ONLINE CASH REWARDS BONUS OFFER

3% cash back in the category of your choice, 2% cash back on dining purchases and 1% cash back on all other purchases. See below for details on annual maximum.

$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.

You're in charge of how you earn cash back

Earn 3% cash back in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Learn more

Earn 2% cash back on dining purchases.

Earn unlimited 1% cash back on all other purchases. Calculate rewards.

You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

To change your choice category for future purchases, you must go to 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.

Earn even more cash back

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 Preferred Rewards for Business Platinum Honors 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. Not enrolled?

Learn more about Preferred Rewards for Business tiers and rewards.

Flexible Redemption Options

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.

No annual fee †

Low Introductory APR Offer

0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.

This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

Interest Rate & Fees

Interest Rate & Fees

Interest rate & fees

Please see Terms and conditions for Business Mastercard credit card for rate, fee and other cost information. All terms may be subject to change.

Introductory APR

0% APR for the first 7 billing cycles

Applies to purchases

Standard APR

16.74% to 26.74% variable APR

on all purchases after the introductory APR expires and on all balance transfers

Annual Fee

$0

Cash Advance APR

27.74% variable APR

on all cash advances and convenience checks

Introductory APR

0% APR for the first 7 billing cycles

Applies to purchases

Standard APR

16.74% to 26.74% variable APR

on all purchases after the introductory APR expires and on all balance transfers

Annual Fee

$0

Cash Advance APR

27.74% variable APR

on all cash advances and convenience checks

Features

Features

Features

Cash Flow Management Tools

Manage your business with a suite of online services including automatic payments, transfers and downloading transactions into QuickBooks.

Online & Mobile Access

Manage your account online 24/7 with secure Online and Mobile Banking. Check your balance and keep tabs on account activity for you and your employees easily anytime, anywhere.

Travel and Emergency Services

Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.

Free access to business credit scores Footnote [1]

View your Dun & Bradstreet business credit scores for free within Business Advantage 360, our Small Business Online Banking.

Security

Security

Security

Stay Protected Footnote [2]

Zero liability protection for unauthorized transactions. Additional protections cover certain purchases against loss, damage, theft, or fire and provide extended warranty coverage.

Balance Connect® for overdraft protection Footnote [3]

An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your credit card to a Bank of America business checking account for overdraft protection through Balance Connect®.

Fraud Monitoring

We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity.

Paperless Statement Option

Opt for paperless credit card statements and increase account security while reducing paper consumption.

Connect with us

Help with opening an account

866.283.4075

Help with an existing account

800.892.3219

Schedule an appointment
Small business credit card FAQs