Capital One Spark Cash Plus
capital one
4.3 / 5
- Welcome
- $2,000 cash
- Annual fee
- $150
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Bank of America · rewards
Bank of America Business Advantage Travel Rewards World Mastercard
4.2 / 5
Bank of America points · Business card
A genuinely fee-free business travel card. Booking through BofA's own travel portal earns 3x versus a flat 1.5x elsewhere, and Preferred Rewards for Business members can push that even higher.
At a glance
- Welcome bonus
- 50,000 points
- Spend $5,000 in 3 months
- Annual fee
- $0
- Purchase APR
- 16.74% to 26.74%
- Intro: 0% for 7 months
- FX fee
- None
- BT intro: 0% for 7 months
Editorial
Our take
A genuinely fee-free business travel card. Booking through BofA's own travel portal earns 3x versus a flat 1.5x elsewhere, and Preferred Rewards for Business members can push that even higher.
Verdict
Pros & cons
Pros
- No annual fee, permanently
- 3x points on Bank of America Travel Center bookings
- 0% intro APR for 7 billing cycles
- No foreign transaction fees
Cons
- 3x rate only applies to bookings through BofA's own travel portal
- Points are most valuable for Preferred Rewards for Business members
- No lounge access or premium travel protections
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Travel via BofA Travel Center | 3x points | Flights, hotels, and rental cars booked through the Bank of America Travel Center |
| All other purchases | 1.5x points | Preferred Rewards for Business can boost this up to 2.62x at Platinum Honors |
Benefits
Key benefits
3x on Business Travel
Earn 3 points per dollar on flights, hotels, and rental cars booked through the Bank of America Travel Center.
0% Intro APR
Pay 0% APR on purchases for the first 7 billing cycles.
No Annual Fee
This card carries no annual fee, permanently.
Free Employee Cards
Add employee cards at no extra cost and earn points on their spend too.
No Foreign Transaction Fees
Use the card internationally with no foreign transaction fee.
Fit
Who this is best for
- Small business owners who book travel through BofA's portal
- Businesses already banking with Bank of America
- Owners who want free employee cards
FAQ
Frequently asked questions
What is the BofA Biz Travel Rewards welcome bonus?
Earn 50,000 online bonus points, redeemable for a $500 statement credit toward travel or dining purchases, after spending $5,000 in purchases within the first 90 days of account opening.
Does the BofA Biz Travel Rewards charge an annual fee?
No. The BofA Biz Travel Rewards has a $0 annual fee.
Does the BofA Biz Travel Rewards have a foreign transaction fee?
No. The BofA Biz Travel Rewards charges no foreign transaction fee, so it works well for international purchases.
Does the BofA Biz Travel Rewards offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 7 months on purchases. The ongoing purchase APR is 16.74% to 26.74% variable.
Who is the BofA Biz Travel Rewards best for?
Small business owners who book travel through BofA's portal. Businesses already banking with Bank of America. Owners who want free employee cards.
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Apply
Bank of America Business Advantage Travel Rewards World Mastercard
Spend $5,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.