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FAQs: Small Business Credit Cards

How do I make a payment to my business credit card? Please send your check or money order, payable to Bank of America, to the following address. Bank of America Business Credit Card, PO Box 15710, Wilmington, DE 19850-5710

Get fast answers to your questions. Simply select one of the following categories to display some of the most frequently asked questions that we receive from our customers.

Show Applying for a card

Show Who can apply?

Business credit cards require the owner or authorized officer of the business to apply

Show Can I apply for a business card online?

Yes, you can apply online. View card choices and apply for the one that's right for you. Some applications may require further consideration and additional information from you.

Show Is there an annual fee for a business card?

Some cards have annual fees, while others do not. View card choices to compare.

Show Is there an introductory annual percentage rate (APR)?

Some cards have introductory APRs, while others do not. View card choices to compare.

Show Can I get my business name on the credit card?

Yes, your business name will appear below the individual cardholder name on each card that you request.

Show What do I need to apply for a credit card?

When you apply for a Bank of America business credit card, you will be asked for information about yourself, the cardholders you designate and your company. To speed up the application process, it will be helpful to have several items on hand. These include Social Security numbers for the authorized signer and all card holders, legal name and street address of the business, business tax ID (or Social Security number for sole proprietors), and the business gross annual sales and net profit for the last fiscal year. Please note that additional financial information or other documents may be requested prior to the completion of your application review.

Show After I apply, how long does it take to receive a business card?

If approved, you'll normally receive your new card(s) within 7-10 business days from our receipt of your application.

Show How do I check the status of my application?

Application processing is generally completed within 10-12 business days of our receipt of all required documentation. To inquire regarding the status of an application, call us 24/7 at 1.800.892.3219.

Show Is there a limit on the number of cards that I can request for my company?

No. There is no limit to the number of cards you can request.

Show How can I protect my credit card account?

Business Card Security™ is an optional protection plan available with some of our business credit cards that helps protect your account in the event of the unexpected, such as hospitalization, temporary or permanent disablement, accidental death, identity theft and business interruptions. Learn more

Show Balance transfers and cash access

Show How can I transfer balances to my credit card?

If you are eligible, you can request to have a non-Bank of America business credit card balance transferred to your Bank of America business credit card through Online Banking. You may also call 1.800.892.3219 and, in most cases, we will transfer balances to your new card within 10 business days upon approval.

Show Can I transfer a balance from a personal Bank of America credit card to a Bank of America business card?

No. However, you can transfer balances from any non-Bank of America business credit card to a Bank of America business credit card.

Show Is there any restriction on balances I can transfer?

The total value of transfer requests cannot exceed your credit line. Balance transfers may not be used to pay off or pay down another Bank of America account.

Show How long does it take to complete a balance transfer?

If your balance transfer request is received with your credit card application, you should allow at least 10 business days from account opening for processing of your request(s). You should continue to make your monthly payments to each creditor until the balance transfer appears as a credit on that account.

Show Are there any fees for making a balance transfer?

Fees and finance charges may apply in accordance with the terms and conditions for your account. Call 1.800.892.3219 for specific information pertaining to the fees and finance charges for your account.

Show How do I get cash with my credit card?

You can access cash by using your credit card and PIN at ATMs in most countries. You can also request cash advance checks from us, which can be used just like personal checks. Finally, you can also get cash with your credit card and photo ID at most banks displaying the MasterCard® or Visa® logo. For more information on using your credit card to get cash, call us 24/7 at 1.800.892.3219.

Show Can I use my credit card at an ATM?

Yes. You can obtain cash from ATMs in most countries throughout the world where you see the Mastercard or Visa logos. To locate an ATM, select either of the following logos:

Visa logo MasterCard logo

Show Are there any limits on the amount that I can withdraw from an ATM?

For your security, you can only withdraw up to $400 of your available account balance per day from an ATM. If you need to withdraw more than $400, you can usually go into a bank with a recognized form of picture ID, such as your license or passport, and withdraw larger amounts of your available account balance.

Show Are there any fees for getting cash with my credit card?

Yes, there is a cash advance fee on any transaction through which you receive cash or a cash substitute by using your card or card number. Refer to the specific terms and conditions for your card.

Show Billing and payments

Show How do I make a payment to my credit card?

Please send your check or money order, payable to Bank of America, to the following address:

Bank of America Business Credit Card
PO Box 15710
Wilmington, DE 19850-5710

Show Can I arrange for pre-authorized payments on my account?

Yes. Your minimum monthly payment can be debited directly from your checking account. To enroll, access Online Banking.

Show What is a minimum payment?

The minimum payment is the smallest monthly payment that you can make and still comply with the terms and conditions of your account agreement. Each month that your account has a balance, a minimum payment will be due. Please refer to your terms and conditions and monthly statement for details.

Show What can I do if I have trouble making payments?

It is important to pay consistently and on time. You can dramatically reduce your debt simply by paying a little more than the minimum amount due each month. Learn more

Show What can I do to better manage credit card or unsecured personal loan debt?

All too often, people are too ashamed or embarrassed to seek help with debt, so they try to deny or ignore the problem. But the longer they wait, the more the debt can pile up. It's important to always manage spending, reduce what you owe and get assistance if and when you need it. Learn more

Show Where can I get credit card or unsecured personal loan debt assistance?

If you are in financial difficulty, it is in all our interests to get it resolved. Contact us to explore your options by logging in to Online Banking or calling Customer Service at 1.888.306.4949. The earlier you contact us the sooner we can work together to come up with a solution.

Besides Bank of America you can also get free help and credit counseling assistance from a wide range of external resources. Learn more

Show Account maintenance

Show How do I access my account information?

Our Online Banking lets you access important account information—including current daily balances—anytime, from any computer or mobile device with internet access. View your business and personal accounts on a single page. Manage your accounts, access payroll and tax services, view business spending, view merchant reporting and more. It's easy with Online Banking.

Show I moved. How do I change my address or phone information?

You can change your address through Online Banking or by calling us at 1.800.892.3219.

Show How do I request additional cardholders for my account?

With our business credit cards, there is no limit to the additional cardholders you can have on your account and there is no extra charge for this service. You can request additional cardholders through Online Banking or by calling us at 1.800.892.3219.

Show Can I delegate account maintenance to someone else?

Yes. Upgrade to the Account Management service to get advanced features that let you delegate account viewing and management to trusted employees, partners and accountants, while maintaining secure control as the account owner.

Show Can I view all my accounts from different businesses and different financial institutions together?

Yes. Upgrade to the Account Management service to get advanced features that let you view accounts for separate businesses on a single page, split business and personal accounts into distinct sections on the same page for easy viewing and view accounts from other financial institutions.

Show Who do I contact at Bank of America if I have a question about my business credit card account?

If you have questions about your credit card account or rewards program, call 1.800.892.3219 and a representative will assist you.

Show Fraud and security

Show My business card was lost or stolen; what should I do?

If your card is lost, stolen, or misplaced, contact us immediately:

  • Within the continental United States, call us at 1.800.892.3219
  • From outside the United States, call us at 1.302.457.3281

Our representatives are available 24/7. We'll cancel your card and issue a replacement immediately.

Show Will my business be liable for fraudulent use?

You won't be liable for any unauthorized purchases or withdrawals from your account when you notify us promptly.

Show What is a chip card?

A chip card is a standard-size plastic credit or charge card with both an embedded chip and a traditional magnetic stripe. If your card is lost or stolen, the embedded microchip makes the card extremely difficult to counterfeit or copy. You'll enjoy greater acceptance in more than 130 countries around the world including Canada, Mexico, and the United Kingdom, where chip cards are standard.

Show How does a chip card work?

Put your chip card face-up in the chip-enabled merchant terminal and sign your name. In some cases, you may be asked for your PIN; if this happens, simply tell the cashier that you are signing for the purchase. When chip-enabled merchant terminals are not available, the magnetic stripe on the back of the plastic can be swiped instead.

Show How secure is my account information online?

All data transmitted between your computer and our secure site is protected by an encryption method called Secure Sockets Layer (SSL). This is industry standard security software, which prevents anyone but Bank of America from viewing your personal details. SSL encodes your data before it is transmitted over the internet.

Show What do I do if I receive suspicious emails about my account?

To report a suspicious email that uses Bank of America's name, forward it to us immediately at

Show Where can I learn more about fraud and how to protect myself?

Taking just a few easy precautions can help protect your financial and personal information. Learn all about detecting fraud and preventing fraud from our fraud experts.

Show Chip card technology

Show How does a chip credit card work?

It's easy. If the retailer has a chip-enabled terminal, simply insert your chip card face up in the terminal. The chip card will remain in the terminal while the transaction is processed. To authorize your transaction, just follow the prompts on the terminal as you do today.

You'll be prompted for a signature to complete the purchase. When traveling internationally, on rare occasions, you may be asked to provide a PIN. Should this occur, just enter the credit card PIN assigned to your card. Your card is available to be removed from the terminal once the transaction is completed.

If the retailer is not equipped to read the chip card, just swipe as you do today. For transactions made over the phone or online, nothing changes.

Show Do I need a PIN to make a purchase with my credit card? What are Chip & Signature and Chip & PIN?

You have a Chip and Signature credit card, so in most instances, you should not need a PIN to make purchases with your credit card. The term "PIN" or "Signature" simply refers to how you will authorize the transaction – by entering a PIN or by providing your signature. When using your Bank of America chip credit card, you'll be prompted for a signature to complete the transaction. On rare occasions, you may be asked to provide a PIN. Should this occur, just enter the credit card PIN assigned to your card.

The enhanced security against counterfeiting is contained within the chip itself. The chip makes the transaction more secure by encrypting information when completing a transaction at a chip-enabled terminal. As a result, both Chip & PIN and Chip & Signature transactions offer enhanced security against counterfeiting.

You may request a PIN by calling the number on the back of your card. Please allow 7-10 days for delivery of your PIN.

Show Now that I have a chip credit card, do I need to notify the bank before I travel internationally?

We recommend that you set a travel notice on any card(s) you plan to use while traveling so your card access isn't interrupted. To set a travel notice, sign in to Online Banking. If you don't have access to Online Banking, set a travel notice by calling the number on the back of your card and speaking with a Bank of America associate. For your protection, we'll continue to monitor card activity even when a travel notice is set. If you encounter any issues while traveling, we're here to help.

On rare occasions, you may be asked to provide a PIN to complete a purchase. If prompted for a PIN, enter the credit card PIN that was assigned to your card. If you do not have the PIN, you may request a new one by calling the number on the back your card. Please allow 7-10 days for delivery of your PIN through standard USPS mail.

For Business credit card questions please contact us toll-free at 800.673.1044, the number on the back of your card or internationally at (509) 353-6656.

Show Are there any situations where I could experience issues using my chip credit card?

When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks, gas pumps) will require a PIN. In these situations, enter the credit card PIN assigned to your card. Some international self-service terminals do not accept U.S. issued credit cards and may display a message such as "Transaction Canceled". This is known to happen on French Toll Roads or Automated Fuel Dispensers depending on location. In these cases, please locate an attended terminal to complete your transaction, or plan for an alternative payment method, such as local currency.

Show Can my chip card be used at an unattended terminal when traveling abroad?

Yes, at unattended terminals you will be prompted for a PIN, and you can enter your PIN to complete your transaction. If you do not know your PIN, please allow extra time to visit attended terminals when traveling abroad because you will need to sign to complete your purchase.

Show How do I obtain a PIN for my chip card?

Your chip card technology for your small business card is chip and signature only and will require you to sign for a majority of your purchases. There may be situations in which a PIN is required. To obtain your PIN call the number on the back of your card to have your PIN mailed to you. Allow 7-10 days to receive your PIN in the mail. Your PIN number for your credit card can be used for ATM cash transactions and for transactions completed at an unattended terminal.

Show Can I use my existing card ATM PIN for my new chip card?

Yes, if you are at an unattended terminal and prompted for a PIN you may utilize the same PIN that you use for ATM transactions. If you do not have cash access, you may obtain a PIN and use your PIN for purchases made at unattended terminals.

Show When can I expect to receive a credit card with chip technology?

If you don't have a credit card with chip technology today, you'll receive one when your old card expires or needs to be reissued. Until then, use your standard card with the magnetic stripe.

Show Are there any additional fees associated with chip credit cards?

There are no additional fees associated with chip credit cards.

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