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Bank of America Business Advantage Travel Rewards World Mastercard
BusinessNo annual feeWhat a card charges each year to keep it open. Some cards waive it for the first year. Glossary

Bank of America Business Advantage Travel Rewards World Mastercard

PerkSensei Desk · Last updated

Wallet
Sensei slides a card into a wallet

Sensei's take

Higher-than-usual welcome bonusBonus points, miles or cash a card gives new cardholders who spend a set amount within the first few months. Glossary: 50,000 points (about $500 in travel). No annual fee, and 1.5x points on everything. Keeper card

Credits and perks

Tick perks you won't use, or type what a perk is worth to you. The math updates either way.

  1. Protection and insurance

    3 perks$0 a year

    1. Rental car cover

      Details about Rental car cover
      a year
      Takes some planning

      Rent with the card and decline the rental company's collision cover.

      Bank of America's page gives no limits and doesn't say whether it pays before your own insurance; check your Guide to Benefits.

      business.bankofamerica.com

    2. Purchase security

      Details about Purchase security
      a year
      Takes some planning

      Buy the item with the card.

      Covers loss, damage, theft or fire. Bank of America's page gives no limits; details come with your card.

      business.bankofamerica.com

    3. Extended warranty

      Details about Extended warranty
      a year
      Takes some planning

      Buy the item with the card; the extra warranty time is automatic.

      Bank of America's page gives no limits; details come with your card.

      business.bankofamerica.com

Misc.

7 perksNot in the totals

  1. Travel and emergency assistance

    Details about Travel and emergency assistance
    Not counted

    Emergency ticket replacement, help with lost luggage, and legal and medical referrals when you're away from home.

    business.bankofamerica.com

  2. Employee cards at no extra cost

    Not counted

  3. 0% intro APR for 7 billing cycles on purchases

    Details about 0% intro APR for 7 billing cycles on purchases
    Not counted

    Then a variable APRThe yearly interest rate on any balance you don't pay off in full by the due date. Glossary of 16.99% to 26.99%.

    business.bankofamerica.com

  4. 3x points on travel booked at BofA Travel

    Not counted

  5. 1.5x points on everything else

    Not counted

  6. No international transaction fees

    Not counted

  7. Travel accident insurance, up to $1 million

    Details about Travel accident insurance, up to $1 million
    Not counted

    Pay for your trip with the card.

    Accidental death or dismemberment only. Bank of America's page gives only the $1 million amount, not the full terms.

    business.bankofamerica.com

Total if you use every unticked perk$0 a year

Bonus

Bonus
50,000 pointsBank of America Business Advantage Travel Rewards
To earn it
Spend $5,000 in 90 days
Annual fee
No annual fee
Credits
No statement credits
Apply by
No public end date stated

Card value

Card value

Year one
+$500
Each year after
+$0

Worth it, both years

Counts the perks you haven't skipped. ?PerkSensei estimateYear one: the sign-up bonus at its estimated value (points at the average of The Points Guy and Frequent Miler, travel cards valued for travel, cash at face, an "up to" bonus at its highest public offer), plus the yearly value of each perk you keep, minus the annual fee. Each year after leaves the bonus out. The fee is never estimated.

How we got this
Bonus, 50,000 points at 1¢ ?PerkSensei estimate. Bank of America Business Advantage Travel Rewards: 1¢ a point (Bank of America and Frequent Miler). A travel card, so its points are valued for travel.
$500
Credits you use, year one
$0
Annual fee
$0

After year oneOur estimate of a card's first year: the welcome offer's value plus the perks you'd use, minus the annual fee. Glossary: credits $0, no fee

Good time to apply?

We don't have enough dated public offersAn offer anyone can get by applying on the bank's own page, unlike targeted, referral or in-flight offers. Glossary from the last 5 years to judge today's offer yet. Months we have no data for show as No data.

Today
50,000 points
$5,000 spend

Sign-up bonus points, last 5 years up to today

010k20k30k40k50kToday 50k20222023202420252026
010k20k30k40k50kToday 50k20222023202420252026

Spend needed to earn the bonus

$3k$5k
$3k$5k

$3k spend$5k spend

Public sign-up offers, Nov 2021–Oct 2026
WhenBonusSpendFirst-year fee
Nov 2021–Mar 202630,000 points$3,000 spendWaived
Mar–Oct 2026 (today)50,000 points$5,000 spend
Sources (1)
US Credit Card Guide: offer historyuscreditcardguide.comThird-party sourceChecked Oct 27, 2026

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

Public offers anyone could apply for, Nov 2021–Oct 2026. TargetedAn offer the bank sends only to some people. If it isn't in your account, app or mail, you can't get it. Glossary and referral offers aren't shown.

Biggest catches

  • Redeem before you close it

    Close the card and you have 90 days to redeem your points. If Bank of America closes it for any reason other than inactivity, it can be taken away at once. bankofamerica.com

Results vary: approval and bonus eligibility are the issuer's decision.

Sensei's moves

  1. Earn up to 75% more with Preferred Rewards for Business

    You need a Bank of America business checking account and an average of $20,000, $50,000 or $100,000 over three months in business deposits or Merrill business investments, for 25%, 50% or 75% more: up to 2.62 points per dollar on everything and 5.25 at BofA Travel.

    Still works as of Oct 27, 2026 · business.bankofamerica.com

Terms and eligibility can change. Confirm the details with the issuer before you apply.

Weighing this card? Put it before the Money Court jury

Sources

Bank of America Business Advantage Travel Rewards World Mastercard, official product page (Oct 26, 2026)business.bankofamerica.comOfficial sourceChecked Oct 26, 2026
Bank of America Business Advantage Travel Rewards offer terms, campaign 4078683 (Oct 26, 2026)bankofamerica.comOfficial sourceChecked Oct 26, 2026
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