BoA Cash Rewards for Business

intro purchase APR 0% for 9 monthsregular APR11.74 - 21.74% (V)
intro BT APR 4% min $10 11.74-21.74%
rewards 1%-2%-3% 
  • 3% on gas and office supply purchases
  • 2% on restaurants
  • 1% on everything else
excellent required

no annual fee

3% cash back on gas and office needs

2% on restaurants

1% on other purchases

0 intro APR for 9 months

Editors Review


  • No annual fee
  • 1% cash back on all purchases, 2% on restaurants, 3% on gas and office supplies (with $250 000 annual cap, 1% after limit)
  • 0% APR on purchases for 9 months from opening the account
  • $200 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening


  • 3% international transactions fee – if you frequently travel it is definitely a drawback
  • No sign up bonus offered
  • Surprised to see that 2% cash back do not apply to “bakeries, coffee shops, grocery stores” and “ do not include merchants that sell large or high-priced office equipment such as computers or desk units” - read terms and conditions for details.

Verdict and Alternatives

Decent card with no annual fee and 1-3 % cash back.

However, I will go for Chase Ink card, which offers up to 5% cash back on selected categories and no annual fee as well. 

Last updated: 02/20/2017

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