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Our Detailed Review of This Card

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For a business credit card with an easy-to-earn bonus, solid cash back rewards and a 0% intro APR on purchases — all with no annual fee — look to the .

To start, apply online and you’ll have the opportunity to earn a bonus after spending $3,000 on purchases within 90 days of account opening. Beyond that intro bonus, the lets you pick the category that earns your business the most cash back — and you can change the category each month. This is an incredibly valuable feature because you know where your business spends the most and you’re free to switch the category to adapt to your business’ changing needs. You’ll earn N/A cash back on your choice of one of six categories as well as N/A cash back on dining (up to $50,000 in combined choice category/dining purchases per calendar year, 1% thereafter) and N/A cash back on all other purchases. The six choice categories include (1) gas stations, (2) office supply stores, (3) travel, (4) TV/telecom & wireless, (5) computer services or (6) business consulting services.

Your earned rewards can be redeemed for cash back in $25 increments, or they can be redeemed directly into a qualifying Bank of America® savings or checking account. Plus, if you’re a Business Advantage Relationship Rewards client, you can get up to a 75% rewards bonus on the base earn of every purchase you make, depending on your enrolled tier. Gold clients will earn 25%; Platinum, 50%; or Platinum Honors, 75%. That means a Gold tier clients will actually get 3.25% on the category of their choice, 2.25% on restaurants and 1.25% on all other purchases.

Another pair of helpful features for businesses is the long 9-billing cycle intro APR period on purchases, after that, it’s N/A, (depending on creditworthiness) and free employee cards.

With that N/A (then, N/A), you can make any up-front business purchases you need to help your business grow without having to pay any interest for 9 billing cycles. As for the free employee cards, adding on additional cardholders (at no extra fee) can help you really rack up the cash back rewards. Plus, you’ll have the power to set the credit limits for your employee cards, preventing unexpectedly high expenses.

Rewards

  • Plus, earn N/A cash back in the category of your choice, N/A cash back on dining (up to the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and an unlimited N/A cash back on all other purchases.

Redeem Rewards

  • Redeem cash rewards for cash back, or apply them to a Bank of America® savings or checking account.

Fees and APR

  • Annual Fee: N/A.
  • Purchase APR: N/A, then N/A, depending on credit history.
  • Balance Transfer APR: N/A, depending on credit history.
  • Balance Transfer Fee: N/A

This card currently does not have any offers associated with it.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.