Platinum Plus® Mastercard® Business
0% intro APR for 15 billing cycles with no annual fee
The Platinum Plus Mastercard Business offers a $0 annual fee and 0% intro APR on purchases for the first 15 billing cycles — useful for financing business expenses. After the intro period, a 14.99%-25.99% variable APR applies to purchases and balance transfers. This card has no welcome bonus and no ongoing rewards, so it works best as a backup financing tool rather than a primary earner.
- Annual Fee
- $0
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Credit Required
- Excellent
Benefits & Perks
Annual Credits & Statement Credits
1 credits0% intro APR on purchases
0% introductory APR on purchases for the first 15 billing cycles, then 14.99% to 25.99% Variable APR.
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Annual
Insurance & Protections
6 protectionsTravel and Emergency Services
Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency t...
Up to $100,000 coverage
$100,000
primary
Travel accident insurance provides up to $100,000 coverage for accidental death or dismemberment while traveling on a paid common carrier.
Fraud monitoring and alerts
Automated fraud detection monitors your account 24/7. Get alerts for unusual activity and Zero Liability protection.
Extended warranty protection
secondary
Extend manufacturer warranties on eligible business purchases. Coverage protects against mechanical and electrical failures.
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Show all 6 protectionsShow fewer protections
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesHow It Compares
A no-fee business card with a 0% intro APR on purchases for 15 billing cycles — best for financing and backup cash flow rather than ongoing rewards. No welcome bonus and no points on purchases.
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| B of A 1/24 | You'll be declined for Alaska Airlines and B of A Premium Rewards cards if you have opened or CLOSED that card in the previous 24 months |
Payment Terms
| Purchase APR | 14.99%–25.99% (Variable) |
| Cash Advance APR | 27.99% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Video Reviews
6 videosBank of America Platinum Plus Mastercard Review 2025 | Pros and Cons – Honest & Unbiased
BEST 1 Card Setup?! Bank of America Business Advantage Unlimited Cash Rewards Mastercard Review
Bank of America Platinum Plus Mastercard Business Card Review
2025 EIN Business Credit Card Success at BANK OF AMERICA: Former BOA Banker Gives TIP!
Bank of america business credit card (2026) Review!
Third-Party Articles & Reviews
Best Bank of America Business Credit Cards 2026
Roundup of Bank of America business card options including the Platinum Plus
Bank of America Platinum Plus Business Card Review 2026
Bank of America Platinum Business Review: Bare-Bones in Every Way
Bank of America® Platinum Plus® Mastercard® Business card 2026 Review
Bank of America® Platinum Plus® Mastercard® Business card Reviews
Bank Of America Platinum Plus Business Card Review
Bank of America® Platinum Plus® Mastercard® Business card
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Bank of America | Bank of America | |
| Bank of America | Bank of America | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr | |
| Bank of America | Bank of America |