Bank of America Business Advantage Travel Rewards

Key Benefits

All Benefits

• Current public welcome offer: earn 50,000 online bonus points after making at least $5,000 in purchases in the first 90 days from account opening, redeemable as a $500 statement credit toward travel or dining purchases (Bank of America Travel Rewards points are valued at a fixed 1 cent each when applied as travel/dining statement credit), per the Bank of America Business Advantage Travel Rewards World Mastercard apply page online offer terms
• $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)
• 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)
• 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)
• Points 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)
• Redemptions 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)
• No 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)
• 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)
• Free 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)
• Issued 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 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)
• 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)
• Contactless tap-to-pay chip card with full digital wallet support (Apple Pay, Google Pay, Samsung Pay) for both the primary and all employee cards; instant card provisioning available in many cases at approval so the card can be used before the physical plastic arrives (per the Bank of America small business credit card platform)
• 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)
• Bank of America 2/3/4 application rule is generally applied to personal-card applications only, though Bank of America considers total relationship exposure when underwriting business cards; cardholders with multiple BoA consumer products may still be limited at the underwriting stage (per OMAAT and Doctor of Credit BoA business card guidance summarizing BoA underwriting practice)
• 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)
• 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
• Not Offered: Transfer partners — Bank of America Travel Rewards points cannot be transferred to airline frequent-flyer or hotel loyalty programs at any ratio; redemptions are statement-credit only at a fixed 1 cent per point against eligible travel and dining purchases (per the Bank of America Travel Rewards program terms; this is the core structural difference versus issuer transferable currencies like Chase Ultimate Rewards, Amex Membership Rewards, Capital One miles, or Citi ThankYou Points)
• Not Offered: Airport lounge access — no Priority Pass, no LoungeKey, no Mastercard Airport Experiences lounge benefit on this card; lounge access is reserved for premium-fee BoA products and not extended to the no-AF Business Advantage Travel Rewards (per the Bank of America apply page)
• Not Offered: Global Entry / TSA PreCheck application fee statement credit — this no-AF card does not provide the $100 trusted-traveler credit found on premium-fee travel cards (per the Bank of America apply page)
• Not Offered: Annual travel credit, anniversary point bonus, or recurring incidental statement credits (airline fee credit, hotel credit, dining credit) — none of the premium-card recurring credits apply to this no-AF tier (per the Bank of America apply page)
• Not Offered: Trip cancellation / trip interruption insurance, trip delay reimbursement, baggage delay reimbursement, or rental car primary CDW — the card's travel insurance package is limited to common-carrier travel accident insurance, auto rental CDW (secondary in the U.S.), emergency ticket replacement, lost-luggage assistance, and legal/medical referrals; broader trip protection benefits are reserved for higher-AF Mastercard tiers (per the Bank of America apply page Travel and Emergency Services description)
• Not Offered: Cell phone protection — no carrier-bill insurance benefit on this card; Bank of America offers cell phone protection on the Business Advantage Customized Cash Rewards Mastercard but has not extended it to the Travel Rewards product line (per the Bank of America apply page)
• Not Offered: Hotel elite status, airline elite status, or status fast-track promotions — no co-brand elite benefits since BoA Travel Rewards is an issuer-currency card, not an airline or hotel cobrand (per the Bank of America apply page)