Advertiser Disclosure: Help Me Build Credit has partnered with advertising partners for our coverage of credit card products. Help Me Build Credit and our advertising partners may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the authors alone
Author - Sam
Updated: January 12, 2025 | Credit Card Review The Business Advantage Travel Rewards World Mastercard is great for businesses racking up on those BOA travel. Bank Of America Business Platinum Members will earn 75% bonus points, which equals to a nice amount of points. With benefits including auto rental insurance and no foreign transaction fee, your business trips are well secured.
- Credit: Good credit needed
- It is strongly advised to have a Bank of America checking account, preferably with more than $10k in it, in order to get good approvals from Bank of America business cards
- Step by step guide how to apply without an LLC or C-Corp
- Max cards: Bank of America will not approve you for their credit card if you opened more than 2 cards in the past 12 months, even if it’s from other issuers. But if you are a BOA bank account holder, then you can get approved even if you opened up to 6 cards in 12 months
Apply for many business cards at the same time: You could apply for the same business card as many times as you want using different Tax IDs, or apply for different cards with the same Tax ID. There is no limit to how many Bank of America business cards you can get within a day. They only pull your credit once within 30 days. I’ve seen people get approved for as many as 6 cards in one day.
- Not reported on personal credit reports: Bank Of America will not report business credit cards on personal credit reports.
- Credit bureau: Bank Of America will usually pull your Transunion credit report for business cards
- Combining same-day credit inquiries: Credit inquiries for all Personal BOA cards for same-day applications will be combined; also, Credit inquiries for all Business BOA cards for same-day applications will be combined.
- Check application status: You can check your application status here
- Reconsideration: If declined you can call the business underwriting department at 1-888-569-4439 to be reconsidered (only for business cards)
Quickest way to get my card: You can request Bank of America to expedite your physical card by calling Bank of America customer service. Bank of America will in most cases not offer an instant credit card number for your new card.
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $5,000-$32,000
Avg. Credit limit$17,429
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
Bank of America Business Platinum members earn 75% bonus points which equal 4.12 points on BOA travel and 2.62 on all other purchases.
No foreign transaction fee.
