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Bank of America® Business Advantage Cash Rewards Mastercard® credit card is a business credit card for business owners with excellent credit. This card rewards you with cash back on everything you spend for your business. In fact, it lets you earn up to 3% cash back on your business purchases. If you're a Preferred Rewards for Business Platinum Honors tier member, you can get up to an extra 75% rewards bonus on every purchase you make - this helps you chalk up your cash rewards quicker! Besides having a solid welcome offer for new cardholders, this card also offers no annual fee, travel and emergency services, and a host of card features that help make your business expenses more secure and organized.

Here, GET.com provides answers to key questions about how Bank of America® Business Advantage Cash Rewards Mastercard® credit card works and what it offers.

Frequently Asked Questions About Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Is this a good rewards card?
Do I get any special benefits from this card?
What are some of the features that come with this card?
Does this card have an annual fee?
Is there a penalty if I pay late?
Can I get this card even if I have bad credit?
Do I get access to my credit score?
Who is this card for?

Questions And Answers For Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Question: Is this a good rewards card?

Answer: Yes, Bank of America® Business Advantage Cash Rewards Mastercard® credit card lets you earn 3% cash back on your choice of one of the following six categories: gas stations (default), TV/telecom & wireless, computer services, office supply stores, travel or business consulting services; 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year and 1% cash back thereafter); and 1% cash back on all other purchases. Basically, this card rewards you with cash back on everything and anything you purchase for your business - the more you use the card, the more cash back rewards you will earn.

You can redeem your cash back after earning $25. Feel free to redeem your rewards as a statement credit, or have cash deposited into your Bank of America small business checking or savings account. There is no annual cap on how much cash back rewards you are entitled to redeem. Plus, your cash back rewards do not expire so long as your account remains open, active and in good standing.

Question: Do I get any special benefits from this card?

Answer: Absolutely. Bank of America® Business Advantage Cash Rewards Mastercard® credit card lets you earn even more cash back on your spending when you're a Preferred Rewards for Business Platinum Honors tier member. Depending on the strength of your relationship with Bank of America (Gold 25%, Platinum 50% or Platinum Honors 75%), you can earn up to 75% rewards bonus on every purchase you make. This just means you can earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases!

In addition, as a welcome offer, you can earn a generous $300 statement credit bonus after making at least $3,000 in net purchases in the first 90 days of your account opening.

Question: What are some of the features that come with this card?

Answer: Bank of America® Business Advantage Cash Rewards Mastercard® credit card offers online and mobile access so you can manage your account conveniently and securely 24/7. You can check your balance and monitor account activity for you and your employees anytime, anywhere. This card also offers a host of travel services for your business, such as emergency ticket replacement, lost luggage assistance, extended protection and $100,000 in travel accident insurance and auto rental insurance.

Being a chip embedded card, you get to enjoy greater security and peace of mind in the United States and more than 130 countries. A credit card enhanced with chip technology minimizes the possibility of fraud. Plus, Bank of America will block potential fraud if abnormal patterns are detected. The bank will also notify you in cases of suspected fraudulent activity.

You can stay protected thanks to zero liability protection for all unauthorized transactions. You will also receive extra protection against misuse by terminated employees, and for most purchases against damage, theft, fire, or loss.

What's more, the suite of online services and cash flow management tools you have access to will help you manage your business in a more organized manner. These include automatic payments, transfers, downloading transactions into QuickBooks and tracking your business expenses in the MyReport Center.

You can also use the optional overdraft protection service to help avoid declined purchases, returned checks or other overdrafts when you link your Bank of America® Business Advantage Cash Rewards Mastercard® credit card to a Bank of America business checking account for overdraft protection.

Question: Does this card have an annual fee?

Answer: Nope, you do not have to pay to enjoy all the perks and savings Bank of America® Business Advantage Cash Rewards Mastercard® credit card can offer. It has no annual fee.

Question: Is there a penalty if I pay late?

Answer: Yes, there is a late payment fee of up to $49 if you do not make your payment by the due date.

Question: Can I get this card even if I have bad credit?

Answer: No, you cannot get Bank of America® Business Advantage Cash Rewards Mastercard® credit card if you have bad credit. Bank of America® Business Advantage Cash Rewards Mastercard® credit card is reserved for business owners with excellent credit.

Question: Do I get access to my credit score?

Answer: No, Bank of America® Business Advantage Cash Rewards Mastercard® credit card does not give you free access to your credit score.

Question: Who is this card for?

Answer: Bank of America® Business Advantage Cash Rewards Mastercard® credit card could be the business cash back credit card for you if you are business owner who is on the lookout for a solid rewards credit card that is impossibly straightforward to use. This no annual fee card lets you earn 1% cash back on purchases; 2% cash back on purchases at restaurants; and 3% on purchases at your choice category (up to $50,000 in combined choice category/dining purchases each calendar year, 1% after that). Not only that, you could even earn more cash back if you enroll in the Business Advantage Relationship Rewards program! Your cash rewards do not have an expiry date and you can start redeeming your cash back after earning $25.

Despite being a no annual fee business credit card, the value that you can get out of it is terrific. This card provides you with cash flow management tools, online and mobile access, chip technology, travel and emergency services, fraud monitoring and zero liability protection. Plus, the more you use the card, the more cash back you will earn. There is no annual cap on how much cash rewards you can earn on your business card. Bottom line, Bank of America® Business Advantage Cash Rewards Mastercard® credit card is a powerful cash back tool that has the potential to help your business save significant sums of money.

This card offer is no longer available through GET.com and may show outdated information.