Bank of America
Business Advantage Travel Rewards
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Card review
Business Advantage Travel Rewards
Bank of America
Last updated October 8, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
50,000 pts welcome offer
Est. net value
$383/yr
Credit score
Varies
Top earn rate
3x travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Business Advantage Travel Rewards from Bank of America carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $383.40 in rewards plus $0.00 in credits and perks — $383.40 net per year before welcome bonuses.
How the points work
Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center – powered by Expedia.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelTravel | 3× |
| Everything elseAll Purchases | 1.5× |
Welcome offer
50,000 points
- Est. value: $500 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- No international transaction fees
- Travel and Emergency Services
Includes auto rental coverage, $1 million in travel accident insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals.
- Zero liability protection
For unauthorized transactions.
- Fraud Monitoring
- Purchase security and extended warranty
Covers certain purchases against loss, damage, theft or fire and provides extended warranty coverage.
- Employee cards at no additional cost
- Cash Flow Management Tools
Manage your business with automatic payments, transfers and downloading transactions to QuickBooks.
- Digital Wallet
Make purchases in person with a tap of your phone, or online.
- Free access to business credit scores
View your Dun & Bradstreet business credit scores for free within Business Advantage 360.
- Balance Connect® for overdraft protection
- Paperless Statement Option
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.