Business Advantage Travel Rewards World Mastercard®
1.5X Points on Every Business Purchase — $0 Annual Fee
Earn unlimited 1.5 points per $1 on all purchases with no annual fee and no foreign transaction fees. Bank of America Preferred Rewards for Business members earn up to 2.62 points per $1 — one of the highest flat rates on any no-fee business card. Redeem for statement credits toward travel and dining.
- Annual Fee
- $0
- Bank of America points · Welcome Bonus
- 50,000
- Top Rate
- 3X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- Bank of America points
- Point Valuation
- 0.6–1 cpp (mid: 1)
- Credit Required
- Excellent
Welcome Offer
50,000
Bank of America points
Spend $5,000 in the first 3 months
Earn 50,000 online bonus points after making at least $5,000 in purchases in the first 90 days. Redeem as a $500 statement credit toward travel or dining purchases.
Earning Rates
- 3X
Travel
Up to 5.25 points per $1 at the Travel Center with Preferred Rewards for Business Platinum Honors is a member-inclusive composite, not the card rate.
Earning Scenarios
1.5 Points per $1 on Everything
Spending $3,000/month on business expenses earns 4,500 points monthly — worth $540/year in travel statement credits. With Platinum Honors status, that jumps to $945/year.
3X Points at BofA Travel Center
Book a $500 business flight through the Bank of America Travel Center and earn 1,500 points instead of 750. With Platinum Honors, earn 2,625 points on the same booking.
Benefits & Perks
Travel Benefits
7 perksFee Waiver
Travel Assistance
Account Management
Payment Convenience
Insurance & Protections
5 protections$1M Travel Accident Insurance
$1,000,000
$1 million in travel accident insurance when you pay for travel with your card.
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 Fraud Monitoring on All Transactions
Continuous fraud monitoring helps detect and prevent unauthorized use of your card.
Lost Luggage Assistance
$1
Lost-luggage assistance included in the card's Travel and Emergency Services.
Auto Rental Collision Damage Waiver
$1
Secondary coverage for damage to or theft of rental vehicles when you pay with your card.
Program & Transfers
Bank of America Rewards Points
Bank of America Rewards Points is the rewards program for this card. Transfer-partner details are currently unavailable.
Bank of America Rewards Points is a straightforward statement credit program with a fixed 1 cpp value for travel and dining redemptions. There are no transfer partners, so redemption flexibility is limited compared to Chase Ultimate Rewards or American Express Membership Rewards. However, the Preferred Rewards program can significantly boost earning rates by up to 75% for members with qualifying Bank of America and Merrill combined account balances.
Program Ratings
Recent Changes & News
Bank of America is rebranding its Preferred Rewards program to 'BofA Rewards' in May 2026 with updated tier names, new elite benefits, and refreshed asset thresholds for Diamond tier
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Domestic roundtrip flight statement credit | 30,000–50,000 | — | United States |
| International economy flight statement credit | 60,000–100,000 | economy | Europe |
| Premium cabin international flight statement credit | 100,000–150,000 | business | Asia |
| Hotel stay statement credit | 15,000–30,000 | — | United States |
| Vacation rental statement credit | 20,000–40,000 | — | United States |
| Dining statement credit | 2,500–10,000 | — | Global |
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesThe Math: Is $0 Worth It?
First-year value includes $500 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 16.99%–26.99% (Variable) |
| Foreign Transaction Fee | $0 |
FAQs
Do Bank of America travel rewards points expire?
No, points don't expire as long as your Bank of America credit card account is open and active. Once you close a card, any unredeemed points on that card are lost.
Can I transfer Bank of America points to airline or hotel partners?
No. Bank of America points cannot be transferred to external loyalty programs. You can only redeem them for statement credits, cash back, or gift cards.
What is the minimum redemption for Bank of America points?
You need at least 2,500 points to redeem. That's worth $25 toward travel/dining statement credits or $15 as cash back.
Can I share or transfer points to another person?
No. You cannot transfer points to another cardholder or person. You may be able to transfer rewards between your own eligible Bank of America accounts by calling customer service.
How does Bank of America Preferred Rewards boost my earning rate?
Preferred Rewards members earn 25% (Gold), 50% (Platinum), or 75% (Platinum Honors/Diamond) more points on every purchase. A card earning 1.5x would earn 2.625x at the Platinum Honors tier.
What purchases qualify for travel/dining statement credit redemptions?
Flights, hotels, vacation rentals (including Airbnb), baggage fees, car rentals, and restaurant meals all qualify as travel/dining purchases.
What is the difference between Bank of America card families?
Travel Rewards (no annual fee, 1.5x all), Premium Rewards ($95 AF, 2x travel/dining), Premium Rewards Elite ($550 AF with luxury travel benefits), Customized Cash Rewards (no AF, 5.25% in chosen category), and Unlimited Cash Rewards (no AF, simple cash back).
Media & Resources
Video Reviews
8 videosBEST 1 Card Setup?! Bank of America Business Advantage Unlimited Cash Rewards Mastercard Review
I Ranked Every Bank of America Credit Card (Best Cards in 2025)
Bank of America Business Advantage Travel Rewards Card Review 2026 | Worth It or Leave It?
Bank of America Business Advantage Travel Rewards Review 2025 | Pros and Cons – Honest & Unbiased
The BofA Business CCR | Honest 6 Month Review (2023)
Bank of America Business Advantage Travel Rewards Review The Truth No One Tells You
Bank of America Business Advantage Travel Rewards — My Honest Review and Real User Experience
Third-Party Articles & Reviews
BofA Business Advantage Travel Rewards Review: Full Details
Comprehensive review from TPG covering earn rates, Preferred Rewards program benefits, and competitive alternatives. Rating: 3/5.
Best Bank of America Business Credit Cards of February 2026
Bankrate's ranking of all BofA business cards with detailed Preferred Rewards tier breakdowns. Travel Rewards rated 3.9/5.
Bank of America Business Advantage Travel Rewards Credit Card Review
Yahoo Finance review covering how business travelers can earn unlimited 1.5X rewards with no annual fee.
Bank of America Business Advantage Travel Rewards Credit Card
US News review covering flat-rate rewards, Preferred Rewards boost potential, and how it compares to other no-annual-fee business travel cards.
Bank of America Business Advantage Travel Rewards World Mastercard Review
Credit Karma's overview of the card's 1.5X base rate, welcome bonus, and Preferred Rewards tiers for business customers.
Bank of America Business Advantage Credit Card Review
Fora Financial's practical review covering the travel rewards card alongside other BofA business card options for small business owners.
Bank of America Business Advantage Travel Rewards Credit Card Review
Forbes Advisor review of the flat-rate rewards and travel-friendly perks for no annual fee. Rating: 3.3/5.
Bank of America Business Advantage Travel Card Review
Detailed NerdWallet review covering rewards tiers, intro APR offer, and comparison to Blue Business Plus and Ink Business Unlimited. Rating: 4.2/5.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Base earn rate | |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America |
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