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Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Review

Pros & Cons

  • Earn three points per $1 on travel booked through Bank of America Travel Center, powered by Orbitz®, and 1.5 points per $1 on all other purchases.
  • Take advantage of an intro 0 percent APR on purchases for the first nine billing cycles (then, 12.24% - 22.24% Variable APR on purchases).
  • There's no annual fee or foreign transaction fees to eat into your rewards.
  • The rewards are consistent, but not huge. If you know you spend a lot in particular categories, you could likely earn more rewards with a card that offers bonus rewards in those categories.

Top Features

Highlighted Offer
Purchase Intro
APR:
0%
Period:
for your first 9 billing cycles
Purchase APR
12.24% - 22.24% Variable APR on purchases 
Annual Fee
$0.00

Full Review

Brooklyn Lowery Site Editor

Bank of America® Business Advantage Travel Rewards World Mastercard® Essentials

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has the busy business traveler, particularly the busy international business traveler, in mind, and there are plenty of card features, including generous bonuses right from the start, that make this a card worth checking out.

You earn three rewards points per $1 on travel booked through Bank of America's Travel Center, powered by Orbitz®, and 1.5 points per $1 spent on all other purchases. And, as you'd expect with a travel rewards card, there are no foreign transaction fees to eat into your rewards.

There are no limits on the points you can earn with the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card and your points don't expire.

So whether your business travel takes you to domestic locations or abroad you'll get plenty of rewards when you book travel through Bank of America's Travel Center and bring along your Bank of America® Business Advantage Travel Rewards World Mastercard® credit card on your business trips and excursions.

And because the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card uses chip technology, there is a greater level of security in using the card in the U.S. and abroad in the more than 130 countries, including Canada, Mexico and the United Kingdom, that accept chip credit cards.

What Our Editors Like Most About the Bank of America® Business Advantage Travel Rewards World Mastercard®

Many business cards with perks and rewards potential as rich as with the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card charge an annual fee for the privilege of carrying the card. Not so with this card, a definite plus for business owners who are always thinking about their bottom line and how to cut expenses.

In this case, not only does the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card keep you from spending money to carry the card, it could actually put money back in your pocket, and it can do it within months of your opening an account.

With the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, you earn 25,000 bonus points when you spend $1,000 on your card within the first 60 days.

Since Bank of America® Business Advantage Travel Rewards World Mastercard® credit card doesn't come with an annual fee, any rewards you redeem are just offsetting the purchases you'd be making anyway. And cardholders have a number of options for redeeming rewards points. Your earned points don't expire and can be redeemed for gift cards, cash or travel with no blackout dates.

Cardholders earn unlimited rewards at a rate of 1.5 points per $1 spent on the card. If you book your travel through Bank of America's Travel Center (powered by Orbitz®), however, you'll earn three points per $1 spent.

Suddenly, those business trips look a little less expensive.

Speaking of business trips, a business travel rewards credit card wouldn't be complete without some features and perks to make your road warrior days a bit more comfortable or convenient and the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card doesn't disappoint.

Travel-related perks such as online management tools, $250,000 in travel accident insurance and auto rental insurance, emergency ticket replacement, and lost luggage assistance are among the perks you'll appreciate on with this card (even though you hope to never need some of them).

When it comes to managing your account, the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card comes with cash flow management tools and online services including automatic payments and transfers as well as the option to download transactions directly to QuickBooks while tracking each step in a My Report Center.

With the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, you can monitor your account 24/7, so you'll be able to keep close tabs on account activity for you and each of your employees wherever you are and wherever they are.

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card comes with zero liability protection for unauthorized purchases and there is additional protection for misuse by terminated employees.

Additionally, the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card offers a 0 percent introductory APR on purchases for nine billing cycles from the card's account opening (then, 12.24% - 22.24% Variable APR on purchases). If you're looking to make a large purchase or perhaps have some start-up expenses ahead, this card allows you to take a bit more time to pay off those purchases interest-free.

Potential Downsides of Bank of America® Business Advantage Travel Rewards World Mastercard®

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card offers plenty of great perks, but a great balance transfer intro offer is not among them. Without an introductory offer for new cardholders, you'll pay the standard APR for balance transfers right off the bat plus a fee of $10 or 4 percent of the amount of the transaction, whichever is greater. In other words, if you are looking for a card on which to consolidate some business debt, this probably isn't the right fit.

Additionally, while there is no penalty interest rate should you pay your bill late (a plus) there is a complicated late fee structure, and let's face it: Business owners are busy folks, so a late payment isn't entirely outside the realm of possibility. Late fees range from $19 if your balance is less than $100 all the way up to $49 if your balance is greater than $5,000.

Lastly, the rewards-earning structure is easy to understand and consistent, but if you know your business spending occurs disproportionately in particular categories, you'd likely be better off with a card that rewards that particular spending rather than offering a flat 1.5 points across the board and three points on travel booked through Bank of America's travel system.

How the Bank of America® Business Advantage Travel Rewards World Mastercard® Compares to Other Business Travel Rewards Cards

Bank of America® Business Advantage Travel Rewards World Mastercard® vs. Capital One® Spark® Miles for Business

The Capital One® Spark® Miles for Business credit card offers an opportunity to earn two miles for every $1 spent on any purchase at any time. Those miles can then be redeemed without blackout dates or restrictions to consider, so it's definitely an option should your business require frequent flying.

The catch, however, is that the Capital One® Spark® Miles for Business card comes with a $95 annual fee (waived the first year), so if you spend less than $1,000 a month on the card, you're likely better off with the annual-fee-free Bank of America® Business Advantage Travel Rewards World Mastercard®.

The Bank of America® Business Advantage Travel Rewards World Mastercard® is also a better option if you're in the market to make a number of purchases right away and take some time paying them off interest-free (then, 12.24% - 22.24% Variable APR on purchases); the Capital One® Spark® Miles for Business doesn't offer an interest-free intro period like the Bank of America card does.

Bank of America® Business Advantage Travel Rewards World Mastercard® vs. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

If you have a particular loyalty to American Airlines, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® (Citi is a Cardratings advertiser) could certainly be the way to go when it comes to business travel rewards credit cards.

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® offers cardholders two times the miles on American Airlines purchases as well as two times the miles on telecommunications, car rental merchants and at gas stations. All other purchases earn one mile per dollar.

The catch, of course, is that your miles are American Airlines AAdvantage® frequent flyer miles which restricts your redemption to options offered through American Airlines and its travel and hotel partners.

If you're ok with a few more restrictions on your redemption options, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® does offer you a free first checked bag on domestic itineraries for you and up to four companions on the same itinerary. The annual fee is $95, but that's waived for the first 12 months.

Overall, the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card offers greater flexibility, if slightly lower rewards earning potential, and with no annual fee.

Bank of America® Business Advantage Travel Rewards World Mastercard® vs. The Business Gold Rewards Card from American Express OPEN

The Business Gold Rewards Card from American Express OPEN (American Express is a cardratings.com advertiser) isn't specifically a travel rewards business card, but you can redeem reward points for travel as well as a number of other products, services and cash back, making this the most flexible card mentioned here when it comes to redemption options.

You also have a tremendous amount of flexibility when it comes to where you earn rewards with The Business Gold Rewards Card from American Express OPEN. You can choose a category from a list of five categories in which you'll earn three points per dollar spent; you then earn two points per dollar in the other four categories and 1.5 points per dollar on all other purchases.

The annual fee is rather steep, $175 (waived for the first year), so you'll want to determine whether your business spending fits into the bonus reward categories and if you spend enough to offset that fee with the rewards you'll earn.

Who Should Get This Card?

Business-focused travelers who are looking for a credit card with a rich, unlimited rewards program, no annual fee and plenty of travel-specific perks and protections should take a long look at the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. If you have some purchases on the horizon that you might need a few extra months to pay off, you'll especially appreciate the introductory 0 percent APR period (then, 12.24% - 22.24% Variable APR on purchases).

This page was last updated on October 17, 2017

This card compared to other business cards

Highlighted Offer
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
$500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
Purchase Intro
APR:
0%
Period:
for your first 9 billing cycles
APR:
0%
Period:
15 months
APR:
N/A
Purchase APR
12.24% - 22.24% Variable APR on purchases 
12.49%-20.49% Variable 
18.24% (Variable) 
Annual fees
$0.00
$0
$0 intro for first year; $95 after that
CardRatings.com Editorial Staff

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
APR:
N/A
Balance Transfer Fee:
Either $10 or 4% of the amount of each transaction, whichever is greater.
Annual Fee:
$0.00

What Bank of America says about this card

  • Earn an unlimited base of 1.5 points for every $1 you spend on all purchases, everywhere, every time -- no matter how much you spend
  • Earn 25,000 bonus points when you spend $1,000 in the first 60 days
  • No annual fee and no international transaction fees
  • Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center - powered by Orbitz(R)
  • 0% Introductory APR on purchases for your first 9 billing cycles
  • Flexibility to redeem points for a statement credit to pay for your flights, hotels, vacation packages, cruises, rental cars, or baggage fees; option for cash back and gift cards

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Apply online for The Blue Business℠ Plus Credit Card from American Express

The Blue Business℠ Plus Credit Card from American Express

  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.49%, 16.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Terms and Limitations Apply
Credit Needed:
Excellent, Good
Apply online for Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Credit Needed:
Excellent, Good