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Earn 3% cash back on $50,000 in business spending per year
Customize your cash back with 3% in your choice category, 2% on dining, and no annual fee. Preferred Rewards for Business members earn up to 5.25% back.
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Credit Required
Excellent
Bonus: $500 cash back
Spend: $5,000
Period: 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Business Services | 3X | Core | any | $50,000/annual | |
| Software | 3X | Core | any | $50,000/annual | |
| Gas Stations | 3X | Core | any | $50,000/annual | |
| Office Supplies | 3X | Core | any | $50,000/annual | |
| Telecom | 3X | Core | any | $50,000/annual | |
| Travel | 3X | Core | any | $50,000/annual | |
| Dining | 2X | Core | any | $50,000/annual |
Select from 6 categories to earn 3% cash back: gas, office supplies, travel, telecom, consulting, or computer services. Combined with dining, earn the bonus rate on up to $50,000 annually, then 1% on additional purchases.
Earn 2% cash back at dining establishments including restaurants, cafes, and bars. This category counts toward the $50,000 annual combined cap with your choice category, making it ideal for businesses with regular client meals or team lunches.
Earn 1% cash back on all other net purchases with no cap. After you reach the $50,000 annual combined limit on 3% and 2% categories, you'll continue earning 1% on those categories as well. No quarterly activation or category rotation required.
Benefits & Perks
Combined Protection Value
$1,000,000
You're not responsible for unauthorized transactions when reported promptly, protecting your business from fraud.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Reviews & Analysis
Details & Terms
| Purchase APR | 16.74%–26.74% (Variable) |
3X
Top Rate
Automatic coverage for accidental death or dismemberment when you pay for flights, trains, or buses with your card.
Trigger: Purchase common carrier tickets with the card
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Advanced fraud detection monitors your account around the clock and alerts you instantly to suspicious activity.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Solid bonus opportunities with a 0% intro APR, most useful for businesses with low to moderate monthly spending.
Gives cardholders 3% cash back in a category of your choice and 2% back on dining with no annual fee.
Multiple bonus earning categories with 3% cash back on selected category and 2% on dining purchases.
Average credit limit of $9,877 with member data showing credit scores and utilization rates.
Excellent cash-back card offering 3% in selected categories and bonus rewards for Bank of America Preferred Rewards members.
This card earns 3% cash back on the category of your choice from a list of options and 2% cash back on dining, up to a combined annual spending cap.
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America: Multiple card facts |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
