promo cc mandiri travel

Sedih: Singapore Airlines Menghilangkan Opsi Round-the-World (RTW)

CIMB Niaga Akan Memangkas Fitur Free Starbucks Bandara di Kartu Preferred Visa Infinite

Flight Review: Thai Airways Business Class Airbus A320 Bangkok (BKK) – Yangon (RGN)

PELIT: Promo Penukaran 1:1 Livin’Poin Menjadi Airline Miles Mandiri Visa Signature

Review: Kartu Kredit Mandiri Traveloka Visa Platinum

Kartu kredit dari Bank Mandiri yang melakukan co-branding dengan Traveloka ini tergolong baru karena baru saja diluncurkan pada Maret 2020 lalu .

Kelebihan utama dari kartu ini terletak pada welcome bonus hingga 1.000.000 Traveloka Poin yang bernilai Rp1.000.000 dan earning rate -nya yang cukup bagus meskipun hanya bisa digunakan untuk mengumpulkan Traveloka Poin.

Selain itu, kelebihan lain dari kartu ini adalah Anda bisa memperoleh/menggunakan promo di Traveloka yang dikhususkan untuk pengguna kartu kredit Mandiri Traveloka. Dengan kartu ini, Anda juga akan memperoleh berbagai penawaran menarik dari Traveloka seperti 10% everyday discount untuk Traveloka Experience. 25K weekly Traveloka Eats discount, dan sebagainya.

Transaksi menggunakan kartu kredit ini akan menghasilkan Traveloka Poin untuk semua jenis transaksi, baik di Traveloka maupun di luar Traveloka, yang didapatkan dengan perhitungan sebagai berikut:

• 8.000 Rupiah = 100 Traveloka poin untuk transaksi di luar Traveloka
• 4.000 Rupiah = 100 Traveloka poin untuk transaksi di Traveloka

Tingkat Perolehan (Skor Maksimal: 3.5)

Anda bisa mendapatkan 100 Traveloka Poin setiap bertransaksi sebesar Rp8.000 di luar Traveloka.

Anda bisa mendapatkan 100 Traveloka Poin setiap bertransaksi sebesar Rp4.000 di Traveloka.

PinterPoin memvaluasi Traveloka Poin senilai Rp1/poin sehingga tingkat perolehan yang didapatkan dari transaksi di luar Traveloka jika mengikuti valuasi airline miles PinterPoin setara dengan Rp16.800/mile. Nilai yang didapat adalah 1.

Sedangkan untuk transaksi di Traveloka, tingkat perolehannya setara dengan Rp8.400/mile. Nilai yang didapat adalah 2

Welcome Bonus  (Skor Maksimal: 2)

Jika Anda hanya mengajukan kartu utama tanpa kartu tambahan, welcome bonus yang diberikan adalah 500.000 Traveloka Poin senilai Rp500.000 dengan syarat mengaktifkan kartu dan bertransaksi 1x dalam waktu 3 bulan setelah kartu disetujui.

Apabila Anda juga mengajukan kartu tambahan, Anda bisa mendapatkan welcome bonus berupa 1.000.000 Traveloka Poin senilai Rp1.000.000.

Mengasumsikan Anda mengambil opsi pertama (hanya kartu utama), maka welcome bonu s tersebut setara dengan 2.381 airline miles .

Konvertibilitas ( Skor Maksimal : 1.5)

Kartu ini hanya bisa digunakan untuk memperoleh Traveloka Poin, namun poin tersebut dapat digunakan untuk berbagai layanan di Traveloka, termasuk pembelian tiket pesawat, voucher hotel, voucher makanan.

Selain itu, poin ini juga dapat ditukarkan di beberapa merchant pilihan (walaupun rate konversi yang diberikan memang lebih bagus untuk penggunaan di Traveloka). Nilai yang didapat adalah 0,5.

Bonus Unik & Kerja Sama (Skor Maksimal: 1)

Anda bisa memperoleh berbagai promo yang juga ditawarkan pada pemegang kartu Traveloka PayLater Card . Selain itu, terdapat benefit berupa diskon harian sebesar 10% untuk produk Traveloka Xperience (kecuali bioskop dan event ). Nilai yang didapat adalah 0,5.

Airport Perks  (Contoh: Lounge, Makanan) (Skor Maksimal: 1)

Kartu ini tidak menyediakan manfaat apapun di bandara.

Iuran Tahunan & Kemudahan  Waiver  (Skor Maksimal: 1)

Kartu kredit ini memiliki iuran tahunan sebesar Rp500.000 namun memberikan gratis iuran tahunan pada tahun pertama. Pada tahun-tahun selanjutnya, kemungkinan besar iuran tahunan ini bisa dihapuskan dengan syarat tertentu.

Total Nilai: 3,9  / 10

“Kartu kredit co-brand  yang cukup menarik untuk dimiliki apabila Anda sering bertransaksi di Traveloka.”

Sama seperti saudaranya yaitu Traveloka PayLater Card , kartu ini bisa dibilang cukup niche . Jika Anda sering bertransaksi di Traveloka , kartu ini mungkin cocok untuk Anda namun jika Anda tidak pernah ataupun jarang sekali bertransaksi di OTA tersebut, maka kartu ini bukan untuk Anda.

Hanya saja, seperti yang sudah pernah disampaikan sebelumnya , salah satu pertimbangan utama untuk memiliki kartu kredit ini adalah welcome bonus -nya yang cukup besar untuk kartu kredit entry level / mid-tier . Mengingat annual fee tahun pertama juga digratiskan, maka tidak ada salahnya Anda mempertimbangkan memiliki kartu ini 🙂

Apakah Anda tertarik memiliki kartu kredit Mandiri Traveloka Visa Platinum?

saya ditelpon telemarketing Bank Mandiri akan mengirimkan kartu kredit mandiri traveloka. Perbedaannya kartu kredit yg saya terima nantinya mendapatkan 500.000 Traveloka Poin sebagai bonus.

Apakah memang program 1 juta traveloka poin sudah diturunkan ya ?

Halo Handoko,

Tidak. Bonus Traveloka Poin memang hanya 500.000 poin apabila hanya mengajukan atau diberikan kartu utama.

Bisa review BNI WORLD MASTER CARD. Point nya 2x. Thxs

hallo mau tanya dong yg dimaksud kartu tambahan itu bisa kartu apapun punyanya mandiri gitu ya ? bisa jenis cc apapun yg dikeluarkan bank mandiri

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Best Bank of America Business Credit Cards 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, Alaska Airlines Business Credit Card, Platinum Plus® Mastercard® Business Credit Card. The details for these products have not been reviewed or provided by the issuer.

Overview of Bank of America Business Credit Cards

As a small business owner, utilizing a business credit card is wise because you can separate your personal and business expenses, making accounting easier. Plus, you can earn rewards for your spending and access to benefits like purchase protection and travel insurance. 

The unique advantage the Bank of America business cards have over many of the other best business credit cards is the Preferred Rewards program , through which Bank of America loyalists can access elevated reward rates and maximize their business spending. 

We've curated a list of the best Bank of America business cards, giving you the information you need to find the right credit card for your business. This guide showcases the variety of cards available, highlights their key features, and explains how they cater to different business requirements such as cash flow management, travel expenses, and reward preferences.

Compare the Top Bank of America Business Credit Cards

0% intro APR for the first nine billing cycles on purchases

18.49% - 28.49% variable

Earn 30,000 online bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can earn 30,000 online welcome bonus points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 1.5 points per dollar on every purchase with no cap
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee/foreign transaction fee
• con icon Two crossed lines that form an 'X'. Some cards offer longer intro APR
• con icon Two crossed lines that form an 'X'. There are no airline or hotel partners to transfer points to

Earn unlimited 1.5% cash back on all purchases.

0% intro APR on purchases for the first nine billing cycles

Earn a $300 online statement credit

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can earn a $300 welcome bonus offer
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 1.5% cash back on all purchases with no cap
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• con icon Two crossed lines that form an 'X'. Some cards offer longer intro APR and higher rewards rates
• con icon Two crossed lines that form an 'X'. You need to be a Preferred Rewards member to earn higher rewards
• con icon Two crossed lines that form an 'X'. 3% foreign transaction fee

Earn 3% cash back in the category of your choice (gas stations and EV charging stations is the default category). Earn 2% cash back on dining purchases. Earning in the 3% and 2% cash back categories is on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. Earn unlimited 1% cash back on all other purchases.

18.49% - 28.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good welcome bonus for a no-annual-fee business card
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cardholders can choose their own 3% cash-back category from a list
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Bank of America Preferred Rewards for Business customers can earn up to 75% more rewards
• con icon Two crossed lines that form an 'X'. 3% and 2% cash back categories are capped at $50,000 in combined purchases per year (then 1%)
• con icon Two crossed lines that form an 'X'. Card only earns 1% back in non-bonus categories
• con icon Two crossed lines that form an 'X'. Foreign transaction fees

The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is great for small-business owners who want to control how they earn rewards and maximize every dollar spent. The card has a solid welcome bonus, good redemption options, and a fair intro APR deal. But if you don't spend big in the select bonus categories, you should consider a different no-annual-fee business rewards card.

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn 2 miles per dollar on eligible gas, shipping, and local transit including rideshare purchases. Earn unlimited 1 mile for every $1 spent on all other purchases.

$70 per company and $25 per card

21.24% - 29.24% Variable

50,000 bonus miles and Alaska's Famous Companion Fare™

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual companion fare
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free first checked bag and priority boarding on Alaska flights for primary cardholder/authorized users and up to six companions on the same reservation
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10% bonus on miles earned with the card if you have a qualifying Bank of America business account
• con icon Two crossed lines that form an 'X'. Must use card to pay for ticket to receive free checked bag and priority boarding on Alaska flights
• con icon Two crossed lines that form an 'X'. Additional authorized user cards have an annual fee of $25 per year
• con icon Two crossed lines that form an 'X'. Annual companion fare requires spending $6,000 on purchases in a card anniversary year

0% intro APR on purchases for the first 7 billing cycles

16.49% - 27.49% variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 0% intro APR for seven billing cycles, then regular APR applies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers welcome bonus
• con icon Two crossed lines that form an 'X'. No rewards or unique benefits on new purchases and balance transfers
• con icon Two crossed lines that form an 'X'. Pales in comparison to most other credit cards available

Best Bank of America Business Credit Cards

• Bank of America® Business Advantage Travel Rewards World Mastercard® credit card : Best for travel rewards
• Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card : Best for flat-rate cash back
• Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card : Best for choosing your cash back category
• Alaska Airlines Business Credit Card : Best for airline miles
• Platinum Plus® Mastercard® Business Credit Card : Best for 0% intro APR offer

Bank of America Business Credit Card Reviews

Bank of america® business advantage travel rewards world mastercard® credit card: best for travel rewards.

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is a solid choice for a no-annual-fee business card, earning an unlimited 1.5% back for every dollar spent.

This card comes with a welcome offer of 30,000 online bonus points after you spend $3,000 in purchases in the first 90 days of your account opening, worth $300 towards travel or dining purchases, based on Business Insider's points valuations .

Business checking account holders who qualify for Bank of America's Preferred Rewards program will earn up to an unlimited 2.62 points for every $1 spent, so it's easy to see how your rewards could add up. There are various ways to redeem your rewards, including travel with no blackout dates at the Bank of America Travel Center, statement credits to offset travel and dining purchases, and more. 

Travelers will also appreciate that the card doesn't charge foreign transaction fees, which can save you about 3% on every purchase. 

Check out our in-depth review of the Bank of America Business Advantage Travel Rewards card for more details.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card: Best for flat-rate cash back

The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card is another easy-to-use product for business owners.

This card doesn't come with an annual fee, and cardholders can earn a welcome bonus of $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

They'll also earn 1.5% cash back on all purchases, with no limits on the number of points you can earn –– with those who qualify for the bank's Preferred Rewards program accessing even higher earnings rates that rival most cash-back credit cards .

If these benefits sounds a lot like those on the Bank of America® Business Advantage Travel Rewards World card, you aren't dreaming. The primary difference between these two cards comes from the type of rewards you earn and how you can redeem them.

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card earns travel rewards, while the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card earns cash back as a deposit into your Bank of America checking or savings account, as a card statement credit, or as a check.

Read our Bank of America Business Advantage Unlimited Cash Rewards review for more details on this card.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for choosing your cash back category

If you're looking for a Bank of America business credit card that offers a little customization when it comes to earning rewards, this card is for you.

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is yet another no-annual-fee card that offers a welcome bonus of $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

You'll also earn 3% cash back per dollar spent in the category of your choice, 2% cash back on dining purchases, and 1% cash back on all other purchases.

There's a combined annual spending cap on the total cash back you can earn, but the 3% categories you can choose from include common expenses like gas stations and EV charging stations, office supply stores, travel, and more. That 3% rewards rate tops our list of the best credit cards for gas purchases .

That said, this card likely isn't the right choice if you're looking for simplicity, since you'll need to plan ahead for specific purchases in order to maximize your rewards. 

Read our Bank of America Business Advantage Customized Cash Rewards card review for more information.

Alaska Airlines Business Credit Card: Best for airline miles 

The Alaska Airlines Business Credit Card is the only Bank of America business card that earns airline miles, with an annual fee of $70 per company and $25 per card. With the card's welcome offer, you'll earn 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.

Cardholders earn 3 miles per dollar spent on eligible Alaska Airlines purchases including flights and onboard food or beverages; 2 miles per dollar on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases; and 1 mile per dollar on all other purchases. 

You'll also get perks like a free checked bag for the cardholder and up to 6 guests on the same reservation when you pay for your flight with your card. This benefit alone can translate into serious savings considering checked bag fees cost $60 per person roundtrip. 

If you're a regular with Alaska Airlines or like using their miles for flights on partner airlines, this card can make a lot of sense. But it likely has limited value for many small business owners, given that other cards offer more flexibility when it comes to earning and redeeming rewards. 

Here's our full review of the Bank of America Alaska Airlines Visa credit card . 

Platinum Plus® Mastercard® Business Credit Card: Best for 0% intro APR offer

The Platinum Plus® Mastercard® Business Credit Card is the final business credit card in our roundup, and the most underwhelming offer in Bank of America's business card lineup.

This no-annual-fee card offers a decent welcome bonus of $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of account opening. It also offers an 0% intro APR on purchases for the first 7 billing cycles, then 16.49% - 27.49% variable APR. But it doesn't offer any ongoing rewards or unique benefits.

Approval for this card typically requires excellent credit. If you have the credit score to qualify for this card, there are dozens of better options for you to consider.

If you'd like a card that offers a period of zero-interest to help you manage existing credit card debt, check out our guide to the best credit cards for balance transfers . And if you'd like a no-annual-fee card that still earns rewards, take a look at our guide to the best no-annual-fee business credit cards . 

Comparing Bank of America Business Credit Cards

Bank of America offers relatively few business cards compared to some competitors like Amex and Chase, and most of their rewards and benefits can be found on other products as well. 

Rewards and Cash Back Comparison

You'll get the best value out of most Bank of America credit cards if you're a business checking account holder who qualifies for Bank of America's Preferred Rewards program.

Qualification requirements are steep, however, and can be challenging for many small business owners to attain. To reach the base tier of the Preferred Rewards program, you need to maintain a three-month average combined balance of $20,000 to $50,000 in your Bank of America banking and/or Merrill investment accounts. If you don't meet this requirement, you'll earn relatively low rewards per dollar spent on your cards. 

Many of the best small business credit cards on our list earn far more generous rewards on select categories, and can match or exceed the rates offered on most Bank of America business cards. 

Travel Benefits and Perks Comparison

If you're a frequent flyer on Alaska Airlines, the $70 per company and $25 per card Alaska Airlines Business Credit Card is a great choice for you. This is Alaska's only business credit card, and offers one of the fastest ways for you to quickly rack up miles for award travel. 

However, there aren't any other good Bank of America business cards for travel perks. Most of Bank of America's other travel credit cards pale in comparison to the very best business credit cards for travel . While the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card offers up to 5.25% back on select travel purchases, that high rate of return is dependent on top-tier Preferred Rewards banking status through Bank of America.

A top business credit card for travel such as the Ink Business Preferred® Credit Card blows Bank of America's travel card out of the water because it earns 3x Chase Ultimate Rewards® points, worth 1.8 cents apiece by our valuations,  on every dollar spent toward travel expenses without additional banking requirements — and comes with great travel benefits to boot. 

How to Qualify for a Business Credit Card 

Regardless of your goals surrounding earning rewards, having a business card is a smart move if you're a small business owner. Luckily, qualifying for a business card is easier than many think. A formal LLC or a business with a million dollars in revenue isn't required. Sole proprietorships and activities such as tutoring, freelancing, and reselling can qualify you for such cards. 

Having a business card is a savvy decision for small business owners whether you want to earn rewards or simplify your accounting. You don't need a formal LLC or a million-dollar revenue-generating business; activities like driving for a rideshare company, freelancing, and reselling can make you eligible for these cards.

How to Apply for a Bank of America Business Credit Card

Applying for a Bank of America business card (or any small business credit card, for that matter) is more or less the same process as applying for a personal card –– you'll just have to provide information on your business along with your personal info.

Filling out the application is the first step, where you'll provide details like your name, date of birth, and social security number (SSN). You'll also be required to share your business information, like your business name, yearly revenue, and Employer Identification Number (EIN). 

You can apply for a business card using your SSN, so don't fret if you don't have an EIN. Regardless, the decision to approve or deny you for a card will be based on information from your personal credit report, and you'll be personally responsible for any charges made to your business card. 

Bank of America Business Credit Card Frequently Asked Questions

Yes, your business can have multiple Bank of America business credit cards at the same time. Holding different cards can be a strategic approach to maximizing potential rewards and benefits across different spending categories and needs.

Bank of America business credit cards have tools such as account alerts, spending limits for employee cards, and accounting software integration that help your business track expenses and effectively manage cash flow.

Yes, some Bank of America business credit cards offer sign-up bonuses, also called welcome bonus offers. These bonuses usually offer cash back, reward points, or lower APR offers after meeting certain requirements, and can provide additional value to new cardholders.

Yes, rewards earned on Bank of America business credit cards can be used to book flights, hotels, and other travel-related expenses. Some Bank of America business cards are specifically designed for travel, including the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card and the Alaska Airlines Business Credit Card.

 You can apply for a Bank of America business credit card online, over the phone, or in person. You'll need to submit an application with your business and personal information. Approval is based on several factors including your credit history and business financials.

The Preferred Rewards program offers Bank of America deposit or investment account holders who maintain a specific deposit amount with the bank over time special banking discounts, bonus rewards on credit card spending, and various other perks. It's a program that rewards Bank of America customers for their loyalty.

Yes, Bank of America can be a good bank for a credit card if one of the business cards they offer aligns with your business' spending habits and financial goals. Ideally, you consider all of the best business credit cards during your search to find one that truly fits your needs. 

You can use Bank of America's online application status page to check your credit card application status. You'll be asked to provide your last name, date of birth, the last four digits of your social security number, and your zip code.

The best Bank of America business credit card for you is ultimately about finding the card that aligns with your spending habits and financial goals. What works for one business might not work for another. Consider factors like the card's welcome bonus, benefits, and perks when choosing. A card is worth it when you can make the most of what the card has to offer. 

Yes, getting a Bank of America business card can be hard because all their cards require good to excellent credit. That means your FICO score must be 740+. The final decision will be based on your total credit profile, but a strong credit score is a key factor in approval.

Why You Should Trust Us: How We Reviewed the Best Bank of America Business Credit Cards

In constructing this roundup of the best Bank of America small business credit cards, we reviewed each card's attributes, including:

• Welcome offers
• Annual fees
• Rewards earnings rates
• Ongoing perks and benefits 
• Approval requirements

With this information in hand, readers can decide which Bank of America business card fits their business based on their needs and financial goals. 

To read more about all the other credit cards on the market, including personal and business cards, browse our credit card reviews hub .

We share how we rate and review credit cards at Business Insider so that readers can understand our process. Although some cards are affiliates, we prioritize delivering unbiased reviews without favoring specific cards for financial gain.

Business Insider's credit cards team operates independently from Business Insider's business team and maintains stringent editorial standards.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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