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Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit YourAdChoices powered by the Digital Advertising Alliance or through the Network Advertising Initiative's Opt-Out Tool. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.

To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.

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Business Advantage

Business Advantage Banking
Credit Cards
Merchant Services
Cash Flow Tools
Preferred Rewards for Business

Find the right solutions for your business needs

Credit Cards

Get what your business needs
most from its credit card.

Get a $300 statement credit or 30,000 bonus points online offer on select cards
Earn valuable rewards with every purchase made with select Business Advantage credit cards
You can earn 25% – 75% more rewards on every purchase, on eligible cards, if you have a business checking account with Bank of America and enroll in our Preferred Rewards for Business program¹
Redeem your rewards for cash back or toward travel purchases on select cards
No annual fee²
Contactless Cards: The security of a chip card, with the convenience of a tap

Important disclosures and information

All credit cards are subject to credit approval and credit card account limits are subject to creditworthiness. Normal credit standards apply. Bank of America may prohibit use of an account to pay off or pay down another Bank of America account. Some restrictions may apply. Credit card programs are issued and administered by Bank of America, N.A.

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The Preferred Rewards for Business program is only available to Bank of America Small Business, Merrill Small Business, Bank of America Private Bank® Small Business, and Business Banking clients. Other categories of clients, such as those commonly referred to as Global Commercial Banking, Global Corporate Investment Banking, or Institutional clients are not eligible to participate in the program. Subject to certain exceptions, eligible business checking accounts generally are any Small Business checking account and the following Analyzed checking accounts: Full Analysis Business Checking or Analyzed Business Interest Checking. Clients in the eligible business categories may enroll in the program. To enroll you must have an active, eligible Bank of America business checking account, and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America business deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts). The qualifying balance is calculated based on either (i): your average daily balance for a three-calendar-month period, or (ii) your current combined balance, provided that you enroll at the time you open your first eligible business checking account and satisfy the balance requirement at the end of at least one day within thirty days of opening that account. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements. Not all account types will count towards the balance requirements and receive program benefits. Refer to your Business Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Not all products and services eligible for benefits under the Preferred Rewards for Business program are available in all locations. Business Banking clients may contact their relationship manager for details about which products are available to them. Please contact 888.BUSINESS (888.287.4637), or if you are a Merrill Lynch Wealth Management or Bank of America Private Bank client, contact your advisor, for details about which products and services are available in your location.

Certain credit cards are eligible to receive the program bonus. Enrolled members with eligible cards will receive the program bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors tier on each purchase. The Preferred Rewards for Business bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 points will actually earn 125, 150, or 175 points based on your tier when the purchase posts to your account. The Preferred Rewards for Business bonus is not applied to any account opening bonus, if applicable. Other terms and conditions apply. If you have an eligible card, please refer to your card’s Program Rules for details about how you will receive the Preferred Rewards for Business bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Business Advantage 360, our small business online banking, or by calling the number on the back of your card. Most Bank of America® branded business rewards credit cards (such as our Unlimited Cash Rewards, Customized Cash Rewards, and Travel Rewards credit card products) are eligible to receive the program bonus as long as the card account is open with active charging privileges. Visit Preferred Rewards for Business for a complete list of ineligible cards.

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For information about rates, fees, other costs and benefits associated with the use of these credit cards refer to the disclosures accompanying the online credit application.

Mastercard and World Mastercard are registered trademarks of Mastercard International Incorporated and are used by the issuer pursuant to license.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

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