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Business Advantage Banking
Credit Cards
Merchant Services
Lending
Preferred Rewards for Business

Business Advantage Banking
Credit Cards
Merchant Services
Lending
Preferred Rewards for Business

Get a $300 online cash rewards bonus offer, plus earn 1.5% cash back on all purchases

Compare cards

Receive what your business needs most from its credit card

Get an online offer for a $300 cash rewards bonus or 30,000 bonus points on select cards
Earn valuable rewards with every purchase made with select Business Advantage credit cards
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 program²
Redeem for cash rewards or toward travel purchases on select cards
No annual fee*
Contactless Cards: The security of a chip card, with the convenience of a tap

Get more with Preferred Rewards for Business¹

Business credit card

Bonus rewards

Up to 75% bonus rewards with an eligible Business Advantage credit card when you’re a Preferred Rewards for Business member.²

Learn more

Why choose Bank of America?

Over 3 million business clients trust Bank of America for everyday and long-term banking needs. We’re honored with industry accolades and trusted for our expertise.

#1 Small Business Lender in the U.S.

– Based on June 2025 FDIC data

Best Consumer Digital Bank in North America

– Global Finance Magazine, 2025

Top-rated Mobile App

– J.D. Power and Forrester, 2025

One of America’s Best Banks

– Forbes, 2025

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.

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

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Preferred Rewards for Business Eligibility Requirements: The Preferred Rewards for Business program is only available to Merrill Business, Bank of America Private Bank® 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 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 toward the balance requirements and receive program benefits. Refer to your Business Schedule of Fees for details on accounts that qualify toward 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.

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Preferred Rewards for Business Eligible Credit Cards: Only certain credit cards are eligible to receive the Preferred Rewards for Business 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 based on program tier and type of reward card. 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 on your business card. 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 credit cards (such as our Cash Rewards, Travel Rewards and WorldPoints Rewards for Business credit card products) are eligible to receive the program bonus as long as the card account is open and in good standing. View a complete list of ineligible cards

$300 Cash Rewards Bonus or $300 Statement Credit Offer: To qualify for the $300 incentive offer, you must make at least $3,000 in Net Purchases with your card that post to your account within 90 days from account opening. Net Purchases exclude any Balance Transfers, Cash Advances, fees, returns and adjustments. This one-time promotion is limited to customers opening a new account in response to this offer and will not apply to requests to convert existing accounts. Your account must be open with active charging privileges in order to receive this offer. Other advertised promotional bonus offers can vary from this promotion and may not be substituted. Any earned incentive, whether cash rewards bonus or statement credit, will be applied to the company’s business card account. Any statement credit will be applied to the company’s business card account. One $300 incentive bonus allowed per company. Once you qualify, you will receive your cash rewards bonus or statement credit within your next 1 to 2 billing cycles. Receipt of a statement credit does not affect your responsibility to pay your Minimum Payment Due shown on each statement you receive from us. 0825SBLL.CCR.UCR.DualOffer.0225

30,000 Bonus Points Offer. To qualify for the bonus points, you must make at least $3,000 in Net Purchases with your card that post to your account within 90 days from account opening. Net Purchases exclude any Balance Transfers, Cash Advances, fees, returns and adjustments. This one-time promotion is limited to customers opening a new account in response to this offer and will not apply to requests to convert existing accounts. Your account must be open with active charging privileges in order to receive this offer. Other advertised promotional bonus offers can vary from this promotion and may not be substituted. The bonus points will be applied to the company’s business card account. One 30,000 bonus points allowed per company. Once you qualify, you will receive your bonus points within your next 1 to 2 billing cycles. 0825SBLL.Bonuspts.0823

Credit card programs are issued and administered by Bank of America, N.A.

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

Mastercard is a registered trademark of Mastercard International Incorporated and is used by the issuer pursuant to license. 0825SBLL.MC.0422

Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. 0825SBLL.BAC.1212

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