Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice. Show
The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo No Interest Charges If you become eligible, you may be given the option to extend payment over time on certain charges using our Pay Over Time feature. If you use this feature, you may accrue interest on any charges you choose to pay over time. Pay Over Time Feature If eligible, you may be given the option to enroll in a Pay Over Time feature that allows you to pay certain purchases over time. If you choose to enroll in this feature, you will accrue interest on eligible purchases when you choose to carry a balance. Plum Early Pay Discount Get a 1.5% discount on the portion of your eligible charges balance that you pay within 10 days of your statement closing date, as long as you pay at least your Minimum Payment Due by your Payment Due Date. The discount will appear as a credit on the following billing statement. Eligible charges are purchases for goods and services minus returns and other credits. Eligible charges do NOT include previously deferred amounts, past due amounts, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Account Manager Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number. American Express Business App The American Express® Business App is available with American Express Business and Corporate Cards. Functionality may differ based on Card product or program. American Express is not responsible for the completeness or accuracy of receipts displayed. Receipts will be stored until the earliest of the following: (1) seven years from the end of the calendar year that the receipt was uploaded or (2) the date that your online account is closed. American Express reserves the right to delete or purge receipts for any reason in its sole discretion, with or without notice. The Amex® Business App is available on the App Store® and Google Play™. Apple, the Apple logo and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. No Preset Spending Limit No preset spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors. Year–End Summary The Online Year–End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year. CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Highlights Intro OfferGet a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening. APR15.99% - 25.99% Variable APR on purchases and balance transfers Intro Purchase APR0% Intro APR for 9 billing cycles for purchases Recommended Credit Excellent Reward Rates
Annual Fee$0 Additional Details Balance Transfer APR15.99% - 25.99% Variable APR on purchases and balance transfers Balance Transfer Fee Either $10 or 4% of the amount of each transaction, whichever is greater. Foreign Transaction Fees 3% of the U.S. dollar amount of each transaction Rewards & Redemption Details
Our TakeThis online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card -- while a mouthful -- is Bank of America's staple cash-back business card. While no one element on its own is necessarily the best in class, the combination of benefits together is a good offer for a business card with no annual fee. You earn 1.5% cash back on everything for no annual fee. Like with some other cards on this list, you can earn a $300 statement credit online bonus after spending $3,000 in the first 90 days. The 0% introductory APR for nine billing cycles on purchases offers you some flexibility to finance some of your business costs without interest, but you'll have to watch out for the variable APR of 15.99% to 25.99% after the promotion ends. Apply Now  For those who might carry a balanceBank of America® Platinum Plus® Mastercard® Business card4.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Highlights Intro OfferGet a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening. APR13.99% - 24.99% Variable APR on purchases and balance transfers Intro Purchase APR0% Intro APR for 7 billing cycles for purchases Recommended Credit Excellent Credit Reward RatesN/A Annual Fee$0 Additional Details Balance Transfer APR13.99% - 24.99% Variable APR on purchases and balance transfers Balance Transfer Fee Either $10 or 4% of the amount of each transaction, whichever is greater. Foreign Transaction Fees 3% of the U.S. dollar amount of each transaction. Our TakeThis online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. The Bank of America® Platinum Plus® Mastercard® Business card is optimal for businesses who may need a credit card to help them carry over some balances. While that's not an ideal situation, it can help businesses stay afloat with the proper approach. If you're carrying a credit card balance, rewards programs don't make up for the interest charges you incur. The Platinum Plus Business Card doesn't offer a rewards program, but it does offer a lower APR range of many business credit cards. The APR is variable from 13.99% to 24.99%. While your APR will depend on your business's creditworthiness, you have the potential to lower your interest charges with this card. The 0% introductory APR on purchases for seven billing cycles (13.99% to 24.99% variable APR thereafter) may be able to help bridge any financial gaps you have in the short-term without any interest at all, if you use the card properly. Earning the welcome bonus can also give you a leg up. Apply Now A credit card for business travelBank of America® Business Advantage Travel Rewards World Mastercard® credit card6/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Highlights Intro OfferEarn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases. APR15.99% - 25.99% Variable APR on purchases and balance transfers Intro Purchase APR0% Intro APR for 9 billing cycles for purchases Recommended Credit Excellent Credit Reward Rates
Annual Fee$0 Additional Details Balance Transfer APR15.99% - 25.99% Variable APR on purchases and balance transfers Balance Transfer Fee Either $10 or 4% of the amount of each transaction, whichever is greater. Foreign Transaction Fees None Rewards & Redemption Details
Our TakeThis online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. Bank of America offers a pretty decent business travel card, though it doesn't offer any general business perks. You'll get a flat rewards rate of 1.5 points on your purchases, and double that for booking flights, hotels or car rentals through Bank of America® Travel Center. Besides there being no annual fee, there are also no foreign transaction fees, so you can use this card just as effectively for international business travel as domestic. Points -- whether earned via the welcome bonus or the rewards program -- are worth 1 cent each when redeemed for statement credits for travel or dining purchases. You'll also be able to take advantage of the introductory APR on purchases if you need to finance any large purchases. Apply Now Custom business rewards programBank of America® Business Advantage Customized Cash Rewards Mastercard® credit card7.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Highlights Intro OfferGet a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening - with no annual fee and cash rewards don't expire. APR15.99% - 25.99% Variable APR on purchases and balance transfers Intro Purchase APR0% Intro APR for 9 billing cycles for purchases Recommended Credit Excellent Credit Reward Rates
Annual Fee$0 Additional Details Balance Transfer APR15.99% - 25.99% Variable APR on purchases and balance transfers Balance Transfer Fee Either $10 or 4% of the amount of each transaction, whichever is greater. Foreign Transaction Fees 3% of the U.S. dollar amount of each transaction Rewards & Redemption Details
Our TakeThis online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers a solid cash-back rewards program for most businesses because you can adjust the flagship rewards rate to the spending category of your choice. While gas stations are the default category, you can also choose to earn 3% cash back at office supply stores, on travel, on TV or telecom and wireless services, computer services or business consulting services. You can earn these rewards for up to a combined $50,000 in spending each calendar year between the 3% category and the 2% cash back on dining. After that, and for any purchases that don't fit in the specific rewards category, you'll earn 1%. Apply Now For business travelers using Alaska AirlinesAlaska Airlines Visa® Business card3.75/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards Card Highlights Intro OfferGet 40,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account. APR19.74% - 27.74% Variable APR on purchases and balance transfers Intro Purchase APRN/A Recommended Credit Excellent Credit Reward Rates
Annual Fee$50 for the company and $25 per card Additional Details Balance Transfer APR19.74% - 27.74% Variable APR on purchases and balance transfers Balance Transfer Fee Either $10 or 4% of the amount of each transaction, whichever is greater. Foreign Transaction Fees none Rewards & Redemption Details
Our TakeThis online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. Besides the rewards on Alaska Airlines flights, the Alaska Airlines Visa® Business Card offers a valuable welcome bonus. You can get 40,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) when you spend $2,000 in purchases in the first 90 days. The Companion Fare allows you to book another passenger on your flight for the reduced fee on any Alaska Airlines flight booked through alaskaair.com, and you'll also get one of the same value in the form of an Annual Companion Fare for your account anniversary each year. Otherwise, you can take advantage of the rewards program -- which is probably only worthwhile for booking your Alaska Airlines flights -- and the free checked bag for you and up to six passengers on your reservation. This is the only Bank of America business credit card with an annual fee, though it's quite low for airline credit cards: $50 per business per year plus $25 for each employee card. Apply Now Advantages of a Bank of America business cardBank of America's business credit cards offer a way to earn even higher rewards for your expenses through its Preferred Rewards program. Many of its business cards don't ask for an annual fee, which makes them better suited for small businesses. Its Preferred Rewards program provides different perks such as higher annual percentage yields on Bank of America savings accounts and higher rewards on credit cards. You advance through the program tiers depending on the balance of your Bank of America bank account and/or Merrill Investment account. Who can get a business card?Any business owner -- including gig workers and self-employed people -- can qualify for a business card. You don't even need employees to qualify. From Uber drivers to CEOs, credit card issuers will check your personal credit score and history when you apply. How to choose the right Bank of America business cardKnow your business needs. If you travel often, consider a travel card such as the Business Advantage Travel Rewards card. If you're looking to earn a return on general expenses, there's the Business Advantage Unlimited Cash Rewards card. If you fear you might get behind on payments, look for a lower APR in case you need to revolve a balance from month to month. Once you match a Bank of America card to your needs, make sure you have the right credit profile to qualify. Bank of America vs other business card issuersAmerican Express, Chase and Capital One also issue business cards. Bank of America offers fewer options than these issuers. American Express business cards span travel and rewards. They often require good credit but also offer strong benefits. Annual fees range from $0 to $695. Chase business cards also cater to both business travelers and those looking to earn general rewards. The Ink Business lineup offers advantageous redemption rates including bonuses for redeeming through Chase Ultimate Rewards and 1:1 point transfer rates to its travel partners. Capital One business cards also offer cash back or miles for business expenses at various fee levels. Most have good to excellent credit requirements, but none charge foreign transaction fees. Each credit card issuer has its advantages and disadvantages. In the end it'll come down to what your business needs are. How to apply for a Bank of America business cardYou'll need to have a legally registered business to apply for a business credit card, whether it be a corporation (including LLCs), a partnership or a sole proprietorship. Applications will typically ask for business information such as address, years in business, its structure, revenue as well as your personal information. FAQsWhat's the difference between business and personal cardsBusiness credit cards offer perks, rewards and tools focused on business needs. They include benefits like spend management tools, free employee cards and rewards for business spending. They also have different application requirements. Personal cards offer rewards for everyday spending for the average person. Perks and rewards tend to lean toward groceries, gas and other everyday essentials. What credit score is needed for a Bank of America business card?A good credit score -- at least 670 -- and reasonably healthy business financials are typically required for approval. How many employees can you add to a business credit card?You'll have to check the details of your specific business card's offer to see what the cap is on employee cards. Many business credit cards offer up to 100 employees on the same account. Some credit cards might charge a fee for additional employees, some may not. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners. What credit score is needed for Bank of America business credit card?Unlike some other small-business credit cards, which accept good credit scores (690 to 719 FICO), Bank of America® business credit cards generally require excellent credit scores (720+) to qualify.
Can you use an EIN to get a credit card?Business credit cards that don't require an SSN
Corporate cards are among the few types of small-business credit cards that do not require an SSN or personal guarantee. You can apply for a corporate card with just an EIN and approval is determined by your company's financial history and business credit score.
Is it hard to apply for a business credit card?It isn't hard to get a business credit card. You can apply for one even if you have a new business without any employees, since these cards don't require a minimum revenue or time in business for you to qualify. Some sort of self-employment business income is enough to qualify you for a small business card.
How can I get a business credit card without personal credit?Use a corporate card
Corporate credit cards may be an option for some businesses. A corporate credit card allows business credit without a personal guarantee because the company is liable for the debt.
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