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Bank of America credit card

Business Advantage Travel Rewards World Mastercard®

  • APR up · 16.74%16.99% · Oct 2, 2026

No annual fee. 50,000 online points after you spend $5,000 in 3 months. Purchase APR 16.99–26.99%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Bank of America’s terms

Welcome offer

50,000 points

After you spend $5,000 on purchases in your first 3 months.

Spending it takes
$1,667 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

Earn 50,000 online bonus points after at least $5,000 in purchases in the first 90 days of account opening, redeemable for a $500 statement credit toward travel or dining purchases. Online only offer; may not be available if you leave the page, visit a Bank of America financial center or call the bank.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$110$110
Typical spender$570$270
Heavy spender$895$595
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at 0.6¢, the program's cash rewards (1¢ only as a credit toward travel) value; welcome bonus needs $5,000 in 3 months.

$110a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at 0.6¢, the program's cash rewards (1¢ only as a credit toward travel) value; welcome bonus needs $5,000 in 3 months.

$270a year

$570 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at 0.6¢, the program's cash rewards (1¢ only as a credit toward travel) value.

$595a year

$895 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at 0.6¢, the program's cash rewards (1¢ only as a credit toward travel) value.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 70% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rewards

How you earn

3×
3 points for every $1 spent on travel purchases made at BofA Travel
1.5×
Everything else

Points per dollar.

Benefits

  • Auto rental coverage
  • $1 million in travel accident insurance
  • Emergency ticket replacement
  • Lost-luggage assistance
  • Legal and medical referrals when away from home
All 9 benefits
  • Rental car
  • Travel accident: $1 million
  • Purchase protection
  • Extended warranty

Changes

16.74%16.99% since Oct 2Oct 2Today
  • Oct 2, 2026 APR 16.74%16.99%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APRfirst 7 billing cycles following the opening of your account
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · bankofamerica.com, since Oct 11, 2026
Does it charge a foreign transaction fee?
No. · business.bankofamerica.com, since Oct 2, 2026
What is the purchase APR?
16.99–26.99% APR · business.bankofamerica.com, since Oct 2, 2026
Is there an intro APR?
0% for first 7 billing cycles following the opening of your account. · business.bankofamerica.com, since Sep 29, 2026
Is there a welcome bonus?
50,000 online points after $5,000 in purchases in 3 months. · business.bankofamerica.com, since Oct 21, 2026
See it on business.bankofamerica.com

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