WorldPoints Travel Rewards for Business™ Visa® Credit Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: VISA
Points - Generic
| Initial Bonus 5,000 |
Base Earn 1.5 point / $1 |
Max Earn 3 points / $1 |
Earn / Redeem Limit No |
- Earn 5,000 bonus points after the first purchase on your account
- Earn 1.5 WorldPoints® rewards points for every $1 on all purchases
- Earn 3 points for every $1 spent for travel booked through Bank of America's Travel center
- No limit to the points you can earn and points do not expire
- Redeem your points for travel with no blackout dates
- Points can also be redeemed for gift cards, merchandise or cash back
| Intro Rate 0% |
Intro Period 9 months |
Regular Rate 11.24% - 21.24% |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate11.24% - 21.24% | Balance Transfer Fee 4% |
| Cash Advance Rate 24.24% |
Cash Advance Fee 4% (min $10) |
- Enjoy travel benefits such as lost luggage reimbursement, travel accident insurance, auto rental collision coverage and a 24/7 concierge service
- Get employee cards at no additional cost to you and with credit limits you set
- Get a flexible suite of online services that adapts to your business needs with Bank of America Direct®
- Receive monthly statements for easy expense tracking
- Max Late Fee: N/A
- Max Overlimit Fee: N/A
- Max Penalty APR: None
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: None
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The card information shown on this page was last updated: May 8th, 2012 at 1:23 EDT
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Out of the three travel rewards credit cards that Bank of America just launched, this is the option geared toward small business owners (obviously). To get a true sense of this card’s place in the business credit card hierarchy, I think it’s important to remember that BofA is the only credit card company that abides by the rules of the CARD Act, at least as far as interest rates are concerned. Other companies can raise your interest rates on debt you haven’t paid off yet whenever they want. Bank of America only does that if you miss two payments. The advice I’ve seen based on this is that you can either use a single Bank of America business credit card for small business or a standard credit card for funding and a business card for making smaller purchases and earning rewards. With that in mind, let’s take a closer look at the WorldPoints Travel Rewards for Business Visa Credit Card. It doesn’t have an annual fee, which is nice, gives you 1.5 points per dollar you charge and 5,000 bomus points after your first purchase, and has 0% on purchases for 9 months. As far as rewards are concerned, the WorldPoints Travel Rewards Business Credit Card doesn’t really compare to some of the other business cards out there. I mean, the Capital One Spark Cash for Business gives you 2% cash back on all purchases and a $100 initial bonus, and sure, it has a $59 annual fee beginning in the second year, but you can recoup that after spending $2950. The Ink Cash Business Card from Chase is another great option since it offers a $250 initial bonus, 5% cash back on the first $25k you spend on office supplies and telecom, 3% on the first $25k spent on gas and dining, and 1% on everything else. Like the BofA WorldPoints Travel Card, it doesn’t have an annual fee either. Overall, I’d say get the WorldPoints Travel Rewards Business Visa if you want the simplicity of using one card for business, but you can get a whole lot more value with the Ink Cash for Business and a 0% card like the Citi Simplicity.