Business Advantage Travel Rewards World Mastercard® Credit Card
50,000 points welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagebusiness.bankofamerica.com
“Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening, which can be redeemed for a $500 statement credit towards travel or dining purchases.”
- Annual fee
- Issuer's pagebusiness.bankofamerica.com
“$0 Annual fee”
- Purchase APR
- Issuer's pagebusiness.bankofamerica.com
“APR: 16.99% to 26.99%”
- Foreign transaction fee
- Issuer's pagebusiness.bankofamerica.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $500 | $0 |
| Heavy spender | $500 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 1.5x all other purchases; points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 70% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
50,000 points
Make at least $5,000 in purchases
Within the first 90 days of account opening; online-only offer. Points can be redeemed for a $500 statement credit toward travel or dining purchases.
How you earn
- 3× pointstravel purchases made at the Bank of America Travel Center
- 1.5× pointsall other purchases
Rates and fees
| Annual fee | Issuer's pagebusiness.bankofamerica.com “$0 Annual fee” |
|---|---|
| Purchase APR | Issuer's pagebusiness.bankofamerica.com “APR: 16.99% to 26.99%” |
| Intro APR | Issuer's pagebusiness.bankofamerica.com “0% Introductory APR on purchases for the first 7 billing cycles” |
| Balance transfer APR | Issuer's pagebusiness.bankofamerica.com “APR: 16.99% to 26.99%” |
| Cash advance APR | Issuer's pagebusiness.bankofamerica.com “27.99% Cash Advance Variable APR” |
| Foreign transactions | Issuer's pagebusiness.bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Travel services include emergency ticket replacement, lost-luggage assistance, and legal and medical referrals when away from home.
- 25% rewards bonus, 50% rewards bonus, or 75% rewards bonus may apply through Preferred Rewards for Business Gold, Platinum, or Platinum Honors tiers, respectively.
- Preferred Rewards for Business enrollment requires an active, eligible Bank of America business checking account and a three-month combined daily balance of at least $20,000 for Gold, $50,000 for Platinum, or $100,000 for Platinum Honors.
- Rental car
- Travel accident: $1 million
- Purchase protection
- Extended warranty
Questions
- What is the annual fee?
- $0 business.bankofamerica.com, since Oct 2, 2026
- Does it charge a foreign transaction fee?
- No. business.bankofamerica.com, since Oct 2, 2026
- What is the purchase APR?
- 16.99–26.99% APR business.bankofamerica.com, since Oct 2, 2026
- Is there an intro APR?
- 0% for first 7 billing cycles. business.bankofamerica.com, since Sep 29, 2026
- Is there a welcome bonus?
- 50,000 points after $5,000 in purchases. business.bankofamerica.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$900 a year
- GM Rewards MastercardBarclays · No annual fee+$900 a year
- CareCredit MastercardSynchrony · No annual fee+$710 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).