What is Bank of America Preferred Rewards?

Bank of America Preferred Rewards is a rewards program that offers qualified clients extra benefits and rewards on everyday banking. The program has four tiers – Gold, Platinum, Platinum Honors, and Diamond – determined by the combined balances in Bank of America deposit accounts and/or Merrill investment accounts. Depending on the tier, credit card customers can receive a bonus of 25%, 50%, or 75% on their base cash rewards, enhancing the overall cash back benefits associated with the credit card.

How to Qualify for Bank of America Preferred Rewards?

All you need to qualify is an eligible Bank of America personal checking account and a 3-month average combined balance of $20,000 in qualifying Bank of America deposit accounts and/or Merrill investment accounts. If you have a mutual fund account or a retirement account such as IRA, 401K with Merrill, you probably have already enough funds in your account to qualify for the Preferred Rewards program.

How to Enroll to Become a Preferred Rewards client?

Enrollment is simple. Just sign in to your Bank of America online account to enroll to begin receiving Preferred Rewards benefits. There are no fees to join or participate in the Bank of America Preferred Rewards program. Once you’re enrolled, as your balances qualify you for the next level of rewards, your Preferred Rewards tier will be moved up automatically.

What are the Benefits of Preferred Rewards?

Credit Card Rewards Bonus

There are 4 rewards tiers in the Preferred Rewards program: Gold, Platinum, Platinum Honors, and Diamond. Your tier is based on your qualifying combined balances in your Bank of America banking and/or Merrill investment accounts. Once you become a Preferred Rewards member, you can get a 25%, 50% to 75% rewards bonus on the baseline rewards, depending on your eligible tier of Preferred Rewards. The following chart shows the qualification requirement of minimum balance and rewards for Gold, Platinum, Platinum Honors, and Diamond tiers of Preferred Rewards.

Extra Perks

In addition to the rewards bonus, Preferred Rewards members can also enjoy the following perks offered by the program:

• When ordering cash for international travel, members receive between a 1% and 2% foreign currency exchange rate discount.
• Members are eligible for select banking services (waived fees) and no-fee ATM transactions, depending on tier.
• Members enrolled in the Merrill Guided Investing or Merrill Guided Investing with an advisor programs can receive between a 0.05% and 0.15% discount on the annual fee.
• Homebuyers looking to make a new Bank of America purchase or refinance are eligible for a $200-$600 mortgage origination fee reduction.
• Preferred Rewards members looking to purchase car can receive an auto loan discount between 0.25% and 0.50% on the published interest rate.
• Bank of America Advantage Savings account holders and Preferred Rewards members benefit from a savings interest rate booster between 5% and 20%, depending on tier.
• Members have at their disposal a dedicated team of specialists available to handle their product and services needs with the priority member service hotline.
• Members can utilize the My Rewards dashboard, available in online and mobile banking, to track and manage all rewards, deals and benefits across multiple Bank of America programs in one place, including Preferred Rewards, credit cards and BankAmeriDeals®.

Extra Rewards on Everyday Purchases for Bank of America Credit Card Customers

If you have a Bank of America credit card and qualify for Preferred Rewards, you are eligible to receive extra rewards. It is a great perk that can help you earn hundreds of dollars per year in value. Here are the detailed rewards bonus on Bank of America credit cards.

#1. Bank of America^® Customized Cash Rewards credit card

#2. Bank of America^® Premium Rewards^® credit card

#3. Bank of America^® Unlimited Cash Rewards credit card

#4. Bank of America^® Travel Rewards credit card

Conclusion

Bank of America Preferred Rewards is a loyalty rewards program that gives additional rewards of up to 75% for Bank of America customers whose combined balances of qualifying Bank of America and/or Merrill accounts are $20,000 or more. There are four rewards tiers: Gold, Platinum, Platinum Honors, and Diamond, which gives you extra rewards of 25%, 50%, and 75%. Maintaining a retirement account such as IRA with Merrill is one of the best ways to qualify for the Preferred Rewards program. With Preferred Rewards, Bank of America customers may earn up to 5.25% in cash rewards on cash back credit cards, and 3.5 points per dollar on travel credit cards.

The post Bank of America Preferred Rewards Overview appeared first on CardBenefit.

Many cash back credit cards offer rewards based on specific spending categories, and some even feature rotating categories that change every quarter. On the other hand, flat-rate cash back credit cards, which offer a consistent cash back percentage on all purchases, provide simplicity and predictability without the need to monitor or activate specific categories. There are several cash back credit cards that offer a fixed rewards structure, providing a constant 2% cash back on all purchases.

Best All-Around 2% Cash Back Credit Cards

Citi Double Cash^® Card

For those seeking straightforward cash rewards without an annual fee, Citi Double Cash Card issued by our partner Citibank stands out as a clear and beneficial choice. With a $200 cash bonus and a steady 2% cash back on all purchases, it offers simplicity and reliability. Additionally, the card provides 0% introductory APR on balance transfers for a generous 18-month period, presenting a valuable opportunity for managing and reducing existing credit card debt.

Apply Now

Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good, Fair

Other 2% Cash Back Credit Card

A few other cash back credit cards also give you 2% cash back rewards on all purchases. Here is a list of additional credit cards offering a flat 2% cash back rate:

Credit Card		Bonus and Rewards	Annual Fee
	TD Double Up℠ Credit Card	$100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening Unlimited 2% Cash Back on all eligible purchases	$0

The post Best 2% Cash Back Credit Cards appeared first on CardBenefit.

Card Issuer

Bank of America, N.A.

Network

Visa

Card Category

Cash Back, Bonus, 0% on Purchases

Required Credit

Excellent / Good

Rate this card:  

Citi Strata Premier^℠ Card

Ink Business Cash^® Credit Card

Ink Business Unlimited^® Credit Card

Citi Double Cash^® Card

The New United^℠ Explorer Card

Chase Sapphire Preferred^® Card

Citi^® Diamond Preferred^® Card

Blue Cash Preferred^® Card from American Express

Prime Visa

Chase Freedom Unlimited^®

Blue Cash Everyday^® Card from American Express

Ink Business Preferred^® Credit Card

The New United^℠ Business Card

The Business Platinum Card^® from American Express

Hilton Honors American Express Card

Southwest Rapid Rewards^® Priority Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

Aeroplan^® Credit Card

The American Express Blue Business Cash™ Card

IHG One Rewards Traveler Credit Card

Southwest Rapid Rewards^® Plus Credit Card

Southwest^® Rapid Rewards^® Performance Business Credit Card

Delta SkyMiles^® Platinum Business American Express Card

Marriott Bonvoy Business^® American Express^® Card

The Platinum Card^® from American Express

IHG One Rewards Premier Credit Card

Hilton Honors American Express Surpass^® Card

Delta SkyMiles^® Reserve Business American Express Card

Delta SkyMiles^® Blue American Express Card

Delta SkyMiles^® Gold American Express Card

The New United Quest^℠ Card

American Express^® Business Gold Card

Ink Business Premier^® Credit Card

The Plum Card^® from American Express

The Blue Business^® Plus Credit Card from American Express

The Hilton Honors American Express Business Card

IHG One Rewards Premier Business Credit Card

Capital One Quicksilver Cash Rewards for Good Credit

Capital One Quicksilver Student Cash Rewards Credit Card

Chase Sapphire Reserve^®

Capital One Savor Student Cash Rewards Credit Card

Costco Anywhere Visa^® Card by Citi

Costco Anywhere Visa^® Business Card by Citi

The New United Gateway^℠ Card

World of Hyatt Business Credit Card

Capital One Savor Cash Rewards for Good Credit

First Tech Odyssey Rewards™ World Elite Mastercard^®

GO2bank

Walmart MoneyCard^®

American Express^® Gold Card

Marriott Bonvoy Brilliant^® American Express^® Card

Upgrade Triple Cash Rewards Visa^®

Marriott Bonvoy Bevy^® American Express^® Card

This offer is currently unavailable

WE RECOMMEND

Citi Strata Premier^℠ Card

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Browse featured credit cards

The post Bank of America® Customized Cash Rewards credit card appeared first on CardBenefit.

Overview

If you would like to earn big rewards on business travel, Bank of America^® Business Advantage Travel Rewards World Mastercard^® is an ideal no-fee business travel card for you. It offers you an opportunity to earn 3 points for every dollar on travel purchases. In addition, if you’re a client of Preferred Rewards for Business, you may get up to a 75% rewards bonus on the base earn of every purchase, which means you may earn up to 2.62 points per dollar on all purchases. Plus, this credit card has no international transaction fees and no annual fee.

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

• Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
• Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America^® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
• No limit to the amount of points you can earn and points don't expire as long as your account remains open.
• No annual fee and no international transaction fees.
• Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America^® Travel Center, for cash back or gift cards.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases

Intro APR Period

9 billing cycles

Annual Fee

$0

Credit Needed

excellent

Card Benefits

Sign-up Bonus

New card members will receive a sign-up bonus of 30,000 bonus points after spending $3,000 in net purchases within the first 90 days of your account opening. It usually takes about 10 to 12 weeks after qualifying transactions for the 30,000-point bonus to post to your rewards balance. The 30,000 bonus points can be redeemed for a statement credit of $300 to pay towards travel purchases – it is equivalent to 25% rewards on your first $1,000 purchases.

Earn Rewards

You will earn unlimited 1.5 points for every dollar spent on all purchases everywhere, every time. Your points don’t expire. Plus, you can earn 3 points (consisting of 1.5 base points and 1.5 bonus points) for every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center, which is powered by the popular Expedia travel booking platform.

You can also increase your rewards bonus by up to 75% if you are a Bank of America Preferred Rewards for Business client. The Preferred Rewards for Business has three different tiers: Gold, Platinum, and Platinum Honors. To qualify for the Preferred Rewards for Business program, you need to maintain an active Bank of America business deposit account and/or Merrill business investment account. The following table shows the detailed information of qualification requirement and rewards on the Gold, Platinum, and Platinum Honors tiers.

How to Redeem Rewards

Your rewards points may be redeemed for travel, travel credits, gift cards and cash. When you redeem points for a travel credit, you will receive a statement credit to your account to offset qualifying travel purchases. A travel credit will be available to redeem for purchases from the Bank of America Travel Center or for qualifying travel purchases made in the following merchant categories:

• Airlines, Air Carriers (representing individual major airline carriers)
• Lodging-Hotels, Motels, Resorts (representing individual major hotel/motel chains)
• Car Rental Agencies (representing individual major agencies; and Automobile Rental Agencies)
• Cruise Lines; Travel Agencies and Tour Operators
• Taxicabs and Limousines
• Passenger Railways
• Transportation-Suburban and Local Commuter Passenger, including Ferries
• Bus Lines
• Transportation Services that are not elsewhere classified
• Real Estate Agents and Managers-Rentals
• Timeshares
• Campgrounds and Trailer Parks
• Motor Home and Recreational Vehicle Rental
• Tourist Attractions and Exhibits
• Art Dealers and Galleries
• Amusement Parks, Carnivals, Circuses, Fortune Tellers
• Aquariums, Dolphinariums, Zoos, and Seaquariums
• Boat Leases and Boat Rentals
• Recreation Services that are not elsewhere classified

A purchase qualifies for the Travel Credit if the merchant is assigned to the appropriate merchant category code (MCC).

Additional Travel Benefits

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® has no foreign transaction fees, which saves money for international travelers who may use the credit card abroad. Many other credit cards typically charge a transaction fee 3% on your purchases in foreign countries. If you may travel abroad, it is always best to use a credit card with no international transaction fees so that you can avoid the potential 3% surcharge on your purchases.

Fees and Interest

This credit card has no annual fee. It also offers 0% introductory APR on purchases for 9 billing cycles, which allows you to make purchases now and pay off the balance later without incurring interest cost, as long as you make the minimum payment each month.

Required Credit Rating

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® is a prime credit card for people with excellent credit rating.

Apply for Business Card as an Individual

The Bank of America^® Business Advantage Travel Rewards World Mastercard^® is a small business credit card. Even if you don’t own a corporation or LLC, you can still apply for business credit cards as a sole proprietor – just use your own name as the business name and use your Social Security Number (SSN) as the Tax ID in the application. See detailed explanation on how to apply for business cards as an individual.

Is this the right card for you?

If you make a lot of purchases and travel often often, you will find Bank of America^® Business Advantage Travel Rewards World Mastercard^® a great credit card to earn rewards. If you are eligible for the Preferred Rewards for Business, you may earn up to 2.62 points per dollar you spend on all purchases everywhere. You can also earn a bonus when you book travel through Bank of America Travel Center. Your rewards can add up quickly with this credit card. Plus, you don’t have to pay an annual fee or foreign transaction fees to keep the card.

Similar Credit Cards

If you are interested in the Bank of America^® Business Advantage Travel Rewards World Mastercard^®, you may also consider a few other small business or travel credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier℠ Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	$95 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*	$375 rates & fees
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 rates & fees
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases	$0 rates & fees
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 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. Terms and limitations apply.	$0 rates & fees
	Ink Business Preferred® Credit Card	90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases	$95 rates & fees
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0 rates & fees
	Costco Anywhere Visa® Business Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees
	Chase Freedom Unlimited®	Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees

The post Bank of America® Business Advantage Travel Rewards World Mastercard® Review – Big Rewards for Business Travelers appeared first on CardBenefit.

Overview

If you spend tens of thousands of dollars on gas, office supplies, dining, or gift cards every month, consider using the Bank of America^® Business Advantage Cash Rewards Mastercard^® for your purchases. It offers 3% cash back on purchases on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases. You can also earn $300 cash bonus.

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Bank of America^® Business Advantage Cash Rewards Mastercard^®

• Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
• Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
• You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
• You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
• No annual fee
• Choose how to redeem your cash rewards-as a deposit into your Bank of America^® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don't expire as long as your account remains open.
• To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases

Intro APR Period

9 billing cycles

Annual Fee

$0

Credit Needed

excellent

Card Benefits

Sign-up bonus

New card members will receive a sign-up bonus of $300 cash in statement credit after spending $3,000 on purchases within the first 90 days. The $300 bonus cash is equivalent to 10% cash back on your first $3,000 purchases.

Cash Back Rewards

You will earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases.

If you are a client of Preferred Rewards for Business, you can get a 25% to 75% rewards bonus on the baseline rewards, which means you may earn up to 5.25% cash rewards on gas and office supplies, up to 3.5% cash rewards on eating out, and up to 1.75% cash rewards on other purchases. To qualify for the Preferred Rewards for Business, you need to have a Bank of America business checking account, and maintain a combined balance in qualifying business deposit accounts and/or qualifying Merrill business investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. The following table shows the detailed information on the Gold, Platinum, and Platinum Honors tiers of Bank of America’s Preferred Rewards for Business program.

You can actually use this credit card to buy shopping gift cards at an office supply shop such as Staples, Office Depot, and earn 3% cash back, or up to 5.25% cash back if you qualify for Preferred Rewards for Business. For example, you can go to giftcardmall.officedepot.com or staples.com to buy many popular gift cards, such as the ones from eBay, Target, Home Depot, Lowe’s, Bed Bath & Beyond, Cabela’s, Disney, Groupon, Nordstrom, etc, and then use the gift cards at the retailer of your choice. In this way, you will earn more cash back because of the higher cash back for the gift cards purchased at office supply stores.

The cash rewards on purchases in combined choice category/dining is capped at your purchases of $50,000 each calendar year, which averages over $4,000 in purchases each month. If you are a big spender, you will be able to earn a lot more cash rewards with this credit card than with most other credit cards.

Fees and Interest

This credit card has no annual fee. It also offers 0% introductory APR on purchases, which allows you to make purchases now and pay off the balance later without incurring interest cost, as long as you make the minimum payment each month.

Required Credit Rating

The Bank of America^® Business Advantage Cash Rewards Mastercard^® is a prime credit card for people with excellent credit rating. If you have a credit score of 740 or more, you may qualify for the credit card.

Apply for Business Card as an Individual

The Bank of America^® Business Advantage Cash Rewards Mastercard^® is a small business credit card. Even if you don’t own a corporation or LLC, you can still apply for business credit cards as a sole proprietor – just use your own name as the business name and use your Social Security Number (SSN) as the Tax ID in the application. See detailed explanation on how to apply for business cards as an individual.

Is this the right card for you?

If you spend a lot on purchases each year, you will find Bank of America^® Business Advantage Cash Rewards Mastercard^® a great credit card to earn cash rewards. This card helps small business owners to earn more cash back for their purchases. If you qualify for the Bank of America Preferred Rewards for Business, you can enjoy up to 5.25% cash back rewards on purchases in one of your preferred business spending categories, 3.5% cash back on dining, 1.75% cash back on all other purchases.

Similar Credit Cards

If you are interested in the Bank of America^® Business Advantage Cash Rewards Mastercard^®, you may also consider a few other small business or cash back credit cards with similar benefits.

Small Business Credit Cards

Credit Card		Bonus, Rewards, 0% Interest	Annual Fee
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.49% - 27.49% variable applies. (rates & fees)	$0
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases 0% on purchases for 12 months (rates & fees)	$0
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 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. Terms and limitations apply. 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.49% - 27.49% variable applies. (rates & fees)	$0
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business 0% on purchases for 12 months (rates & fees)	$0
	Costco Anywhere Visa® Business Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Ink Business Preferred® Credit Card	90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases	$95 rates & fees
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* 0% on purchases for 6 months from date of account opening. After the intro period ends, the go-to rate of 18.49% - 27.49% variable applies. (rates & fees)	$375
	The Business Platinum Card® from American Express	Limited Time Travel Offer: Earn 150,000 Membership Rewards points after you spend $20,000 on eligible purchases on your Business Platinum Card within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25. 5X Membership Rewards points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases. 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.	$695 rates & fees

Cash Back Credit Cards

Credit Card		Bonus, Rewards, 0% Interest	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. 0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 18.24% - 28.24% (variable) applies. (rates & fees)	$0
	Chase Freedom Unlimited®	Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. 0% on purchases and balance transfers for 15 months (rates & fees)	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 20.24% - 29.24% variable applies. (rates & fees)	$0
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. 0% on purchases for 12 months. After the intro period ends, the go-to rate of 20.24% - 29.24% variable applies. (rates & fees)	$0 intro annual fee for the first year, then $95.

Credit Card Bonus

Credit Card		Credit Card Bonus	Annual Fee
	Citi Strata Premier℠ Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.	$95 rates & fees
	Chase Sapphire Preferred® Card	100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.	$95 rates & fees

The post Bank of America® Business Advantage Cash Rewards Mastercard® Review – $300 Bonus and 3% Back appeared first on CardBenefit.

Cash back credit cards offer several benefits for individuals. One of the primary advantages is the ability to earn a percentage of your spending back as cash rewards. This can accumulate over time, providing savings on everyday purchases.

Individuals with good credit scores may qualify for cash back credit cards with higher reward rates. These cards typically offer more substantial cash back percentages on certain categories or overall spending. Many cash back credit cards also come with introductory bonuses for new cardholders, providing a significant boost to cash back earnings during the initial months of card ownership. Overall, cash back credit cards provide increased financial flexibility by offsetting costs or allowing you to allocate the savings to other areas of your budget.

Cash Back Credit Cards for People who have Good Credit

Chase Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Chase Freedom Unlimited®	Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0 rates & fees
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases	$0 rates & fees

Citi Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

American Express Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.	$0 intro annual fee for the first year, then $95. rates & fees
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 rates & fees

Capital One Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Capital One Quicksilver Cash Rewards for Good Credit	Unlimited 1.5% cash back on every purchase, every day Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply	$0 (rates & fees)
	Capital One Savor Cash Rewards for Good Credit	Unlimited 3% cash back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services, plus 1% on all other purchases 8% cash back on Capital One Entertainment purchases Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply	$0 (rates & fees)

If you are looking for alternative cash rewards options, click here to check out more cash back credit cards.

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