Bank of America Business Advantage Travel Rewards
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earning rates
4- 3xlodging
Earn 3 points per $1 on travel purchases booked through the Bank of America Travel Center (the issuer's in-house Expedia-powered booking portal for flights, hotels, car rentals, vacation packages, and cruises); this 3X tier is the headline benefit and is composed of the 1.5X everyday base plus a 1.5X travel-center bonus, per the Bank of America apply page and confirmed via the Preferred Rewards illustration showing 5.25 points per $1 at Platinum Honors (= 3 × 1.75)
- 1.5xtravel
Earn unlimited 1.5 points per $1 on every other purchase, no rotating categories, no quarterly caps, no enrollment required — one of the simpler everyday-spend earn structures for a small-business travel card (per the Bank of America apply page)
- 5.25%travel
Bank of America Preferred Rewards for Business relationship bonus: enrolled members earn an additional 25% / 50% / 75% on every point at the Gold ($20K+ combined BoA business deposit / Merrill investment balances) / Platinum ($50K+) / Platinum Honors ($100K+) tiers; at Platinum Honors the effective earn becomes 5.25 points per $1 at the BoA Travel Center and 2.625 points per $1 on all other purchases (per the Bank of America apply page Preferred Rewards calculator)
- 5.25%travel
Card pairs efficiently with the Business Advantage Unlimited Cash Rewards Mastercard (2.62% effective cash back at Platinum Honors on everyday spend) and a BoA business checking + Merrill business brokerage relationship; the Preferred Rewards for Business Platinum Honors tier ($100K+ combined balances) lifts this no-AF travel card to 5.25 points per $1 at the BoA Travel Center, which is competitive with $95-AF small-business travel cards on bonus-category earn
Statement credits
3- $500Points are worth a fixed 1 cent each when redeemed as a statement credit against eligible travel or dining purchases (flights, hotels, vacation packages, cruises, car rentals, baggage fees, restaurants, takeout, and food delivery); 50,000 points = $500 statement credit (per the Bank of America apply page)
- $25Redemptions start at just 2,500 points ($25 statement credit) — no high minimum-redemption threshold, so points can be applied against small travel and dining transactions as soon as they post (per the Bank of America apply page)
- No blackout dates when booking travel through the Bank of America Travel Center, since the Travel Center sells real published cash inventory from airlines, hotels, and rental car partners (the points are used as a statement credit against the booking, not as award inventory) (per the Bank of America apply page)
Perks & memberships
4- Authorized users$0 annual fee for the life of the account on the company card AND on every additional employee card, making this one of the only no-AF small-business travel-rewards cards on the U.S. market (per the Bank of America Business Advantage Travel Rewards World Mastercard apply page)
- No foreign feesNo foreign transaction fees on any purchases made outside the United States or in a foreign currency — a notable differentiator versus the BoA Business Advantage Unlimited Cash Rewards and Customized Cash Rewards Mastercards, which DO carry a 3% FX fee (per the Bank of America apply page)
- Authorized usersFree employee cards with no annual fee per card and centralized spend monitoring — add as many employee cards as needed (subject to credit limit) and track each cardholder's transactions through Business Advantage 360 small-business online banking (per the Bank of America apply page)
- Card networkIssued on the World Mastercard for Business network with built-in Mastercard Easy Savings business merchant discount program, which provides automatic statement-credit rebates at participating business-focused merchants (office supply, shipping, fuel, hotels, dining) when the card is used (per the Mastercard Easy Savings program, the underlying Mastercard network benefit applicable to all U.S. World Mastercard for Business products)
Travel & purchase protections
5- Travel and emergency services include $1 million in common-carrier travel accident insurance (when the full fare is charged to the card), auto rental collision damage waiver, emergency ticket replacement, lost-luggage assistance, and 24/7 legal and medical referrals when traveling (per the Bank of America apply page Travel and Emergency Services section)
- Auto rental collision damage waiver: when the entire rental is charged to the card and the rental company's CDW is declined, the cardholder receives secondary coverage on the Visa/Mastercard small-business baseline for damage due to collision or theft, subject to per-incident limits and territory exclusions in the Guide to Benefits provided after card delivery (per the Bank of America apply page Travel and Emergency Services section; small-business Mastercards retained CDW after Visa/Mastercard's 2024 U.S. consumer-card benefit reductions)
- Purchase security: additional protection covering certain new purchases made with the card against accidental damage, theft, or fire for a limited period from purchase (typically 90 days under the Mastercard Business Guide to Benefits); specific reimbursement caps and exclusions disclosed in the Guide to Benefits (per the Bank of America apply page Security Features section listing Purchase security)
- Extended warranty coverage on eligible new purchases that come with a U.S. manufacturer's warranty of 12 months or less (typically doubles the warranty up to one additional year under the Mastercard Business Guide to Benefits) (per the Bank of America apply page listing extended warranty coverage)
- Zero liability protection for unauthorized transactions on both the primary cardholder's purchases and on every employee card on the account, with 24/7 fraud monitoring on the entire account (per the Bank of America apply page Security Features section)
More benefits & fine print (4)ShowHide
- Balance Connect for overdraft protection: optional linkage of the company's eligible Bank of America business checking account to the card so the card can serve as an automatic overdraft funding source when the checking account is short (per the Bank of America apply page Balance Connect section)
- Free access to Dun & Bradstreet business credit scores within Business Advantage 360 online banking — updated periodically and provided at no cost to U.S.-based BoA small business clients with an open and active small business deposit account (per the Bank of America apply page Business Credit Scores section)
- Account application is reported to commercial bureaus (Dun & Bradstreet, Experian Business) rather than consumer credit bureaus once the account is open in good standing, so on-going utilization does not generally appear on the owner's personal credit report — but the initial application does include a personal-credit hard inquiry on the principal owner / personal guarantor (per Bank of America small business credit card disclosures)
- Points have no expiration as long as the card account remains open and in good standing, and points can be combined across linked Bank of America Travel Rewards accounts owned by the same business so a fleet of employee-card spend pools efficiently into a single redemption balance (per the Bank of America Travel Rewards program terms)
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