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Last updated on November 8th, 2021
Platinum Plus® Mastercard® Business Card
- Regular Purchase APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Intro Purchase APR 0% for 7 months from account opening date
- Processing Network Mastercard
- Online exclusive: $300 statement credit bonus after spending $3,000-in the first 90 days
- Unlimited employee cards at no additional cost
- 0% on purchases for 7 billing cycles from account opening
- Hassle-free electronic payments with automatic bill payment
- Intro Purchase APR: 0% for 7 months from account opening date
- Regular Purchase APR: 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $49
- Return Payment Penalty Fee: $39










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At a Glance
Boasting no annual fee, 0% APR for the first 7 billing cycles from account opening, and a robust suite of cash flow management tools, Bank of America’s Platinum Plus Mastercard® Business Card also draws in new cardholders with its decent sign-up bonus. Namely, a $300 statement credit bonus earned after making $3,000 in net purchases in the first 90 days of your account opening.
Ideal for Those Who:
- Want an easily obtainable $300 introductory bonus
- Have an excellent credit score
- Are interested in a business card with a multitude of management tools
- Do not want to pay an annual fee
- Want a business credit card that is a no-fuss, everyday credit card for your company
Platinum Plus® Mastercard® Business Card Review
The Platinum Plus Mastercard® Business Card is an excellent option for individuals who want a simple, straightforward card with a relatively low interest rate. It also features a $300 statement credit to new cardholders that spend $3,000 within the first 90 days of opening their account, a manageable threshold to hit..
A Decent Introductory Bonus Offer
The card features a solid introductory cash back offer. New accounts earn a $300 statement credit after spending $3000 within the first 90 days. Hat reward is equivalent to 10% cash back, comparable with other signup bonuses from different issuers.
0% Intro APR
The statement bonus is even more enticing thanks to the 0% intro APR offer – and an exceptional regular APR after that. The 0% APR runs for the first seven months, while the typical purchase APR, which starts as low as 10%, is almost eight percentage points lower than the national average APR for a business credit card.
Business Features
In terms of online services, the Platinum Plus Mastercard® Business Card simplifies money management with automatic electronic bill payments and the ability to download transactions into QuickBooks, as well as 24/7 online and mobile banking. That flexibility is particularly important for cardholders when keeping track of an employee’s account activity after giving them a card at no additional cost.
Should You Apply for the Platinum Plus® Mastercard® Business Card?
The Platinum Plus Mastercard® Business Card provides the management tools companies’ needs, a great low rate, and no annual fee in one neat package. The $300 introductory bonus is another nice feature, but it’s the sum of the parts with this card – and Bank of America’s excellent customer service – that is the major draw.