Top Bank of America Business Credit Cards Offering Cash-Back and Rewards [Year 2025]

In the realm of business credit cards, Bank of America offers a variety of options to cater to different spending patterns. Here's a rundown of some of their most notable offerings.

The Bank of America Business Advantage Customized Cash Rewards Credit Card stands out for its flexible rewards structure. This card earns 3% cash-back in the category of your choice, 2% cash-back on dining, and 1% cash-back on other purchases. However, these cash-back categories have combined caps.

For those seeking a secured business credit card, the Bank of America Business Advantage Unlimited Cash Secured card might be the ideal choice. This card allows you to open a business credit card without a strong credit history, requiring a minimum security deposit of $1,000. The card earns 1.5% cash-back on all purchases with no caps or expiration dates, and it has no annual fee.

Another secured option is the Bank of America Business Advantage Unlimited Cash Rewards Secured Credit Card. This card offers a welcome offer of a $300 statement credit online bonus after making at least $3,000 in net purchases in the first 90 days of account opening, with no annual fee. It earns 1.5% cash-back on all purchases as well.

The Platinum Plus Mastercard Business card is a straightforward card with no annual fee and is generally easier to get approved for than Bank of America's other business credit cards. It offers a statement credit welcome bonus and a 0% introductory APR on purchases for the first 7 billing cycles.

In the airline rewards category, the AtmosTM Rewards Visa Business Card is worth mentioning. This card earns 3x points on Alaska Airlines and Hawaiian Airlines purchases, 2x points on eligible gas, EV charging station, shipping, and local transit (including rideshare) purchases, and 1x points on other purchases. The card offers a welcome offer of 80,000 points and a $99 Companion Fare (plus taxes and fees from $23) after spending $5,000 or more on purchases within the first 90 days. The annual fee is $70 for the company, then $25 per card.

Lastly, the Bank of America Business Advantage Travel Rewards Card offers a welcome offer of 30,000 online bonus points after spending $3,000 in the first 3 months, with no annual fee. This card earns 3x points per dollar spent on travel booked through the Bank of America Travel Center and 1.5x points on other purchases.

While Bank of America offers competitive business credit cards, it's worth noting that the American Express Business Gold Card and the American Express Business Platinum Card are often considered the best for businesses. These cards offer a range of premium benefits, but they come with higher annual fees.

Regardless of your business's spending habits, Bank of America has a credit card that could potentially meet your needs. It's always a good idea to carefully review the terms and conditions of each card to determine which one best suits your business.