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    Business credit cards

    Find the best business credit card for you. Get rewarded on business purchases with cardholder benefits.

    $300 online statement credit offer

     

    No annual fee†

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    $300 online statement credit offer

     

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    3% cash back in the category of your choice

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    30,000 online bonus points offer

     

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    Unlimited 3 points per $1 spent on Bank of America Travel Center purchases and 1.5 points for every $1 spent on all other purchases

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    • Popular cards
    • Preferred Rewards for Business eligible cards
    • Credit cards with no annual fees
    • Credit cards with low intro APR on purchases
    • Credit cards with no foreign transaction fees
    • Credit cards with cash rewards
    • Credit cards with travel rewards
    • Credit cards with lower interest rates
    • Credit cards to strengthen & build credit

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    Exclusive benefits, rewards and discounts. All for doing business.

    Get even more rewards for your business purchases when using an eligible Business Advantage credit card with Preferred Rewards for Business.

     

    Enroll today

    Credit cards that benefit your business—one transaction at a time

    Build business credit

    Business credit cards are an easy way to start building credit for your business – so you have the credit when you’re ready to take your business to the next level.

    Manage business cash flow

    Draw a distinct line between your business and personal finances to make managing your business cash flow simpler and more seamless.

     Access online & mobile

    Manage your account online 24/7 with secure Online and Mobile Banking. Check your balance and keep tabs on account activity for you and your employees easily anytime, anywhere.

    Key features to keep your business humming

    $0 Liability Guarantee

    Stay protected5 against unauthorized transaction and cover certain purchases against loss, damage, theft, or fire and provide extended warranty coverage.

    Account alerts

    Customize email, text, and mobile app alerts6 so you know what’s going on with your account and can take action when needed.

    Balance Connect®

    Help prevent declined purchases, returned checks or other overdrafts when you link your credit card to a Bank of America business checking account for overdraft protection through Balance Connect7.

    QuickBooks®

    View all your business finances in one place8. Track your income and expenses, manage and pay bills and be prepared for tax season, freeing up time to focus on growing your business.

    Free access to Business Credit Scores

    Available for Bank of America clients through BA360 online banking.9

    Purchase Security

    Repair, replace or be reimbursed for stolen and damaged items within 90 days of purchase.5

    Digital Wallet

    Add your card to your digital wallet and use it to pay in stores, online and in app.10

    Auto rental insurance

    Get built-in Auto Rental Coverage when you use your card to rent an eligible vehicle.

    Looking for financing options to expand your business?

    Explore business loans

    Business credit card FAQs

    Business owners benefit from using a business credit card by separating business expenses from your personal expenses. This can help you manage your cash flow, help protect you from fraudulent charges, maintain control over your employee spending and help make tax preparation easier.

    Plus you'll get the convenience of using a credit card for everyday purchases while earning cash or travel rewards (most cards) for your business. Finally, established businesses can use a business credit card to start building credit for the business. A good business credit history will be critical for when the business is ready to grow.

     

    Rewards and APR
    You can easily earn cash back or rewards points or miles using travel rewards cards. Most rewards cards also come with a low introductory APR offer followed by a variable APR. If APR is most important, choose a card with a lower APR.

    Annual Fee
    Most of our cards have no annual fee, while other cards have a low annual fee with enhanced rewards. Choose the combination that’s best for your bottom line.

    International Transaction Fees
    If you travel overseas, choose a card with no international transaction fees like the Business Advantage Travel Rewards World Mastercard® credit card.

     

    Business credit cards require the owner or an authorized officer who can borrow on behalf of the business to apply. Applicants should be U.S. residents or resident aliens with a US address (foreign business clients are not eligible to apply online at this time).

     

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

     

    Merchants are assigned a merchant category code (MCC) based on the kinds of products and services they sell. Bank of America does not determine which MCC a merchant chooses to classify itself, therefore some purchases may not fall into the category where you might expect them to appear. We do group similar MCC's into dining, and choice categories to help you earn cash back on purchases made at specific merchants. Please see the category details for examples and exceptions.

     

    Business credit cards require the owner or an authorized officer who can borrow on behalf of the business to apply. Applicants should be U.S. residents or resident aliens with a US address (foreign business clients are not eligible to apply online at this time).

    When you apply for a Bank of America business credit card, you will be asked for information about yourself, your company, and any additional cardholders you designate. To speed up the application process, it will be helpful to have several items on hand. These include:

    Business information
    • Business tax ID [hyperlink:https://www.bankofamerica.com/smallbusiness/resources/post/what-is-an-employer-identification-number-ein/] (or Social Security number for sole proprietors)
    • Legal business name and structure
    • Date business was formed
    • Country and state of legal formation (formed in U.S. to apply online) and where you conduct your primary business operations (must be a U.S.-operating business)
    • Gross Annual Sales and net profit

    Beneficial Owner and Controlling Manager
    • Name and title of person opening account
    • Name and address of entity for the account
    • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for foreign individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner
    • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for foreign individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)
    • Certification that information provided on the Beneficial Owner and/or controlling manager is accurate

    Personal information for all card holders
    • Social Security number (to verify your identity)
    • Date of birth
    • Address
    • Valid email address

    Your application will authorize Bank of America to obtain a credit report or other information to help verify application information. Bank of America works with Equifax for Business credit reporting. Business credit cards are backed by personal credit, however they are not included on your credit report as long as your credit card is in good standing.
    Please note additional financial information or other documents may be requested prior to the completion of your application review.


    To learn more, please visit this article on how to get a business credit card

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

    There's no limit to the number of cards you can request. Existing clients can request additional cardholders by signing in to Online Banking, going to the Information & Services tab for the account and selecting Add authorized user under Services.

    You can return to a saved application in the Application Center. We’ll need your name, email address, mother’s maiden name, date of birth, and business name.
    If you saved your application more than 30 days ago, the application has expired and you'll need to start a new one. Sometimes offers and rates change, and a saved application may expire before 30 days. Access your saved application now

    Application processing can be complete within 24 hours of application submission but is generally completed within 10-12 business days. You will be contacted via phone if there are questions related to your application or documentation required. As a regulatory requirement, a credit decision will be mailed to you within 30 days of application submission.

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

    Some business credit cards apply a foreign transaction fee to purchases made abroad. Typically the charge is a small percentage of your total transaction.
    If you frequently travel to or purchase goods from foreign countries, consider our Business Advantage Travel Rewards World Mastercard® credit card that waives the international transaction fee while still allowing you to earn rewards.
    If you don’t normally make purchases outside of the U.S., an international transaction fee could indicate suspicious activity on your business card account. For transaction details or concerns, log in to Online Banking or call the number on the back of your card.

    A balance transfer fee occurs when you move a balance from a non-Bank of America business credit card to a Bank of America business credit card. The balance transfer fee is a one-time charge.
    After the transfer is complete, interest may accrue on the balance. Please refer to the terms & conditions or your Business Card Agreement for additional details.

    Each month, the previous month’s unpaid corporate account balance plus all new individual credit card account balances are combined and reflected as the New Balance Total on the corporate account. After the balances are combined, each individual card account balance will be reset to $0.

    Corporate account numbers should be used to make payments and should be referenced in the event you need to contact us with any questions about the account or any credit cards associated with the account.

    To see the most up-to-date account balance information, log in to Online Banking and select the corporate account number.

    One of the Business Credit Card products we offer is “CORP Credit Card.” This product is for business owners who may have multiple employee credit cards distributed to their staff. The value of using a CORP Credit Card is the credit limit of each employee card is controlled by the owner and represents a portion of the overall credit limit acquired by the owner of the CORP Credit Card account. At the end of each billing cycle, the balance of the charges made to all the employee cards roll up to the CORP Credit Card account, allowing the owner to pay off the entire balance or only a portion of each employee’s credit card.

    In order to see the balance of charges made to your entire CORP Credit Card account, log in to Online Banking and under Accounts tab. The total amount shown on “CORP Account” reflects the total outstanding balance for ALL of your employee card(s) as of the previous billing cycle(s). The respective balance below reflects the purchases made to date since the last billing cycle specifically for each of the employee credit card(s).

    To make a one-time payment or to set up automatic recurring payments, log in to Online Banking and select the Bill Pay tab, then select Go to Bill Pay and follow the instructions provided.
     
    To mail your payment, please send a check or money order made payable to Bank of America to the following address:
     
    Bank of America Business Credit Card
    PO BOX 15796
    WILMINGTON, DE 19886-5796
     
    You can also transfer money from your Bank of America checking or saving account to your Bank of America credit card. To do this, select the Transfer | Send tab, then select Between My Accounts At Bank of America and follow the instructions provided in the Make a Transfer tab.

    If you’re faced with financial difficulties, we can work together to come up with a solution. Contact us to explore your options by logging in to Online Banking or calling Customer Service at 888.306.4949.

    Interest charges are calculated differently based on the type of transaction:

    Purchases
    Purchases made during the billing cycle are usually within what is known as the grace period. Those charges will not accrue interest until the billing cycle’s due date. After that, any remaining balance will accrue interest each day.
    For example, a purchase is made at the beginning of the month. The credit card due date is the last day of the month. Prior to the due date, no interest is charged on the purchase. If the purchase is not paid in full by the due date, interest will begin accruing on the balance remaining the first day after that.
    Charge cards do not accrue interest for purchases because these cards require you to pay in full each month.

    Cash advances, balance transfers, and other transactions
    Cash advances, balance transfers, and other transactions do not have a grace period which means interest charges begin accruing immediately.

    A late fee is charged if the minimum payment due on a credit card account is not received by the payment due date.
    Use Online Banking and the free Bill Pay tool to avoid late fees by setting up a recurring monthly payment for your business credit card account. You can also change your due date to a time that better suits your cash flow by calling the number on the back of your card. Please allow 1-2 months for a change in due date to take effect.

    Online Banking is a service that provides you a safe and convenient way to bank. With Online Banking, you can access your accounts, view your balances, get detailed transaction reports, and download account data into Quicken or QuickBooks. You can also send payments for bills, taxes, and other expenses electronically. Learn more about Online Banking.

    Looking for account access on-the-go? Try our award-winning mobile banking app. Check your balance, review transactions, and pay your bill directly from your mobile device. Learn more about Mobile Banking.

    You can change your Bank of America account address by signing in to Online Banking, selecting Profile & Settings and then selecting Your Contact Info. If you have an airline card, please let the airline know so they can update the contact information associated with your mileage program.

    From your Computer

    1. Select your business credit card CORP account from the main Accounts page.
    2. Click the Download link on the Activity tab.
    3. Select All accounts for this company from the Select an account dropdown.
      Note: This option is only available to account owners/guarantors.
    4. Complete the Custom date range fields to create a full year report.
    5. Select the file type and click the Download transactions button.

    A small business card account has both a corporate account number (a number that’s used to identify the company’s relationship with us) and individual credit card account numbers (which are associated with that specific corporate account). Even if the account has just one cardholder, there will still be a corporate account number and an individual credit card account number.

    Existing clients can request additional cardholders by signing in to Online Banking, going to the Information & Services tab for the account and selecting Add authorized user under Services.

    Please call 1.866.758.5972 for assistance with removing an account from online banking.

    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. You can also view accounts from different financial institutions on a single page, making your cash flow management easier.

    If you’re eligible, you can request to have a non-Bank of America business credit card balance transferred to your Bank of America business credit card by signing in to Online Banking, going to the Information & Services tab and selecting Request Balance Transfer under Services. If you are unable to complete a balance transfer via Online

    Banking, you may also call 800.892.3219.

    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.

    Yes, there are typically fees for balance transfers and cash advances. For specific pricing, please consult the terms and conditions of the 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. Or you can get cash with your credit card and photo ID at most banks displaying the Mastercard® or Visa® logo.

    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 get a cash advance from participating banks with your credit card and a valid picture ID. Cash advance fees will apply. For specific pricing, please consult the terms and conditions of the card.

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

    Within the continental United States, call us at 800.892.3219
    From outside the United States, call us at 302.457.3281

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

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

    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.

    Put your chip card face-up in the chip-enabled merchant terminal and sign your name. 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. When chip-enabled merchant terminals are not available, the magnetic stripe on the back of the plastic can be swiped instead.

    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. If you do not know your PIN or need to establish a PIN, log into Online Banking to create your PIN through the Manage Card Settings page (the Manage Card Settings page can be found by hovering over the Accounts tab).

    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.

    Yes, at unattended terminals you will be prompted for a PIN. When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks and 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.

    Your chip card technology for your 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 create or change your PIN, log into Online Banking (the Manage Card Settings page can be found by hovering over the Accounts tab) or 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.

    Yes, if you are at an unattended terminal and are 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.

    There are no additional fees associated with chip credit cards.

    Before you submit a dispute, a quick call to the merchant can often answer your question and resolve the issue. The merchant's phone number may be located in the transaction detail in Online Banking or on your billing statement. If the merchant is able to resolve the matter, you will normally see your account credited for the charge within 30 days.

    If you're unable to solve the issue by contacting the merchant, call us at 866.601.4414. Please have the following available:

    • Your statement where the disputed charge appears
    • Your receipt from the merchant and any other relevant information relating to the purchase
    Please review the back of your statement for additional information on disputing transactions.

    Online security is our top priority. Our Online Banking and Mobile Banking services incorporate industry-leading safety features that give you greater security and peace of mind as you manage your money.

    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.

    Complete your saved credit card application

    Finish your application

    Other ways to contact us 

    Need help opening an account?

    866.283.4075

    Need help with an existing account?

    800.892.3219

    Schedule an appointment

    1. Preferred Rewards for Business: You are eligible to enroll in the Preferred Rewards for Business program if you have an active, eligible Bank of America® business checking account and maintain a three-month combined daily balance in your qualifying Bank of America business deposit accounts and/or Merrill business investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier.

    2. Customized Cash Rewards: For the first $50,000 in combined choice category/dining purchases each calendar year, 1% plus Preferred Rewards for Business tier bonus thereafter.

    3. To learn more about the Mastercard Easy Savings® rewards program and participating merchants visit: http://www.priceless.com/easysavings

    4. Travel Rewards: Excludes insurance purchases made through the Travel Center, which will earn 1.5 points plus Preferred Rewards for Business tier bonus thereafter.

    5. Additional terms and conditions apply. Details for zero liability and purchase protection will be available when you receive your card.

    6. You may elect to receive alerts via text or email. Bank of America does not charge for this service but your mobile carrier's message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.
    7. Overdraft Protection. You may ask to link Company's eligible Bank of America business checking account to Company's Business Credit Card account ("Account") for overdraft protection through our Balance Connect® for overdraft protection service, subject to the Bank's approval.Overdraft Protection transfers may not be available for up to 14 days from account opening. If Company requests Overdraft Protection and is approved, Bank will automatically transfer funds from Company's Account to cover any overdraft as long as Company's Account has sufficient cash and credit availability and Company is not in default under the Business Card Agreement. Overdraft Protection transfers from a linked business credit card will be made for the amount required to cover the overdraft. Bank shall not be obligated to make, but may make a transfer that would result in Company's Account being over the Cash Limit and Credit Limit. Company acknowledges and agrees that any person authorized to transact business on the checking account may access Company's Account for Overdraft Protection coverage. The first Owner/Authorized Officer listed on the application will be the person whose account will be charged for the transfers made pursuant to the Overdraft Protection feature. Please see your Business Card Agreement for details.

    8. QuickBooks and the QuickBooks logo are registered trademarks of Intuit, Inc., used under license. Bank of America does not deliver and is not responsible for the products, services or performance of Intuit, Inc, including QuickBooks. You are responsible for separately purchasing QuickBooks, QuickBooks Online, or QuickBooks Online Payroll, and Bank of America makes no warranties nor accepts any liability for such software. Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients’ use of their services.

    9. Access to Dun & Bradstreet business credit score information in Business Advantage 360, our small business online banking platform, is solely for educational purposes and available only to U.S.-based Bank of America, N.A. Small Business clients with an open and active Small Business account, who have Dun & Bradstreet business credit scores and have properly enrolled to access this information through Business Advantage 360. Dun & Bradstreet's business credit scores (also known as “The D&B® Delinquency Predictor Score” and “The D&B® Small Business Financial Exchange (SBFE) Score”) are based on data from Dun & Bradstreet and may be different from other business credit scores. Bank of America and other lenders may use other credit scores and additional information to make credit decisions.

    10. Mastercard, Visa, and American Express will process transactions similar to how they process your physical card transactions today except most merchants won't have access to your actual card number; they will receive the unique virtual card number associated with your credit or debit card. MasterCard must provide your actual card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions. [Source: https://www.bankofamerica.com/smallbusiness/deposits/business-debit-card/

    Online offer terms

    Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

    This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

    Online offer terms

    Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

    This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

    Online offer terms

    Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

    This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

    Online offer terms

    Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening, which can be redeemed for a statement credit towards travel or dining purchases.

    This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

    Unlimited Cash Rewards Mastercard® credit card

    Change card
    • Business Advantage Unlimited Cash Rewards Mastercard® credit card
    • Business Advantage Customized Cash Rewards Mastercard® credit card
    • Business Advantage Travel Rewards World Mastercard® credit card

    See how you can maximize your cash back

    Earn 1.5% cash back on all purchases, plus any Preferred Rewards for Business tiered bonus (if applicable).

    Select your Preferred Rewards for Business tier based on your 3-month combined average daily business balance

    Gold Tier: $20K to < $50K Platinum Tier: $50K to < $100K Platinum Honors Tier: $100K+
    Not enrolled
    • Not Enrolled
    • Gold
    • Platinum
    • Platinum Honors
    Spend amount per month
    Cash back per year
    Earn 1.50% on all purchases
    Spend amount per month
    Cash back per year
    $
    $0.00
    $
    $0.00

    Total
    $0.00
    Bank of America Preferred Rewards for business Logo

    As a Bank of America Preferred Rewards for Business member, you can earn more cash back.

    Not Enrolled
    No rewards bonus
    1.50%

    Cash back

    Gold
    25% reward bonus
    1.87%

    Cash back

    Platinum
    50% reward bonus
    2.25%

    Cash back

    Platinum Honors
    75% reward bonus
    2.62%

    Cash back

    Get the card and start earning today:

    Apply now

    Learn more

    Note: This calculator is for illustrative purposes only. It is not intended to be printed or distributed. Your actual rewards earned will depend upon your individual purchases.

     

    Amounts are rounded to whole dollars.

    Customized Cash Rewards Mastercard® credit card

    Change card
    • Business Advantage Unlimited Cash Rewards Mastercard® credit card
    • Business Advantage Customized Cash Rewards Mastercard® credit card
    • Business Advantage Travel Rewards World Mastercard® credit card

    See how you can maximize your cash back

    Once you reach an annual spend level of $50,000 in the 3% and 2% categories combined, you will earn 1% on all purchases, plus any Preferred Rewards for Business tiered bonus (if applicable).

    Select your Preferred Rewards for Business tier based on your 3-month combined average daily business balance

    Gold Tier: $20K to < $50K Platinum Tier: $50K to < $100K Platinum Honors Tier: $100K+
    Not enrolled
    • Not Enrolled
    • Gold
    • Platinum
    • Platinum Honors
    Spend amount per month
    Cash back per year
    Earn 3.00%

    in the category of your choice (gas stations & EV charging stations, office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services).

    Spend amount per month
    Cash back per year
    $
    $0.00
    $
    $0.00
    Earn 2.00%

    on dining purchases.

    Spend amount per month
    Cash back per year
    $
    $0.00
    $
    $0.00
    Earn 1.00% on all other purchases.
    Spend amount per month
    Cash back per year
    $
    $0.00
    $
    $0.00

    Total cash back per year
    $0.00
    Bank of America Preferred Rewards for business Logo

    As a Bank of America Preferred Rewards for Business member, you can earn more cash back.

    Not Enrolled
    No rewards bonus
    3.00%
    Choice category
    2.00%
    Dining purchase
    1.00%
    All other purchases
    Gold
    25% rewards bonus
    3.75%
    Choice category
    2.50%
    Dining purchase
    1.25%
    All other purchases
    Platinum
    50% rewards bonus
    4.50%
    Choice category
    3.00%
    Dining purchase
    1.50%
    All other purchases
    Platinum Honors
    75% rewards bonus
    5.25%
    Choice category
    3.50%
    Dining purchase
    1.75%
    All other purchases

    Get the card and start earning today:

    Apply now

    Learn more

    Note: This calculator is for illustrative purposes only. It is not intended to be printed or distributed. Your actual rewards earned will depend upon your individual purchases.

     

    Amounts are rounded to whole dollars.

    Travel Rewards World Mastercard® credit card

    Change card
    • Business Advantage Unlimited Cash Rewards Mastercard® credit card
    • Business Advantage Customized Cash Rewards Mastercard® credit card
    • Business Advantage Travel Rewards World Mastercard® credit card

    See how you can maximize the points you earn

    Earn 1.5 points for every $1 you spend on all purchases and 3 points for every $1 spent on travel purchases made at the Bank of America Travel Center, plus any Preferred Rewards for Business tiered bonus (if applicable).

    Select your Preferred Rewards for Business tier based on your 3-month combined average daily business balance

    Gold Tier: $20K to < $50K Platinum Tier: $50K to < $100K Platinum Honors Tier: $100K+
    Not enrolled
    • Not Enrolled
    • Gold
    • Platinum
    • Platinum Honors
    Spend amount per month
    Statement credit toward your travel & dining purchases per year
    Earn 3.00 points for every $1 in travel purchases made at the Bank of America® Travel Center
    Spend amount per month
    Statement credit toward your travel & dining purchases per year
    $
    $0.00
    $
    $0.00
    Earn 1.5 points for every $1 spent on purchases
    Spend amount per month
    Statement credit toward your travel & dining purchases per year
    $
    $0.00
    $
    $0.00

    Total
    $0.00
    Bank of America Preferred Rewards for business Logo

    As a Bank of America Preferred Rewards for Business member, you can earn more points toward a statement credit to offset your travel and dining purchases.

    Not Enrolled
    No rewards bonus
    3.00 points

    per $1 on purchases at the Bank of America Travel Center

    1.50 points

    per $1 on all other purchases

    Gold
    25% rewards bonus
    3.75 points

    per $1 on purchases at the Bank of America Travel Center

    1.87 points

    per $1 on all other purchases

    Platinum
    50% rewards bonus
    4.50 points

    per $1 on purchases at the Bank of America Travel Center

    2.25 points

    per $1 on all other purchases

    Platinum Honors
    75% rewards bonus
    5.25 points

    per $1 on purchases at the Bank of America Travel Center

    2.62 points

    per $1 on all other purchases

    Get the card and start earning today:

    Apply now

    Learn more

    Note: This calculator is for illustrative purposes only. It is not intended to be printed or distributed. Your actual rewards earned will depend upon your individual purchases.

     

    Amounts are rounded to whole dollars.

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    © Bank of America Corporation. All rights reserved.

    7635905-EXP-2026-09-28

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    Advertising Practices:

    We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

     

    Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit YourAdChoices powered by the DAA or through the Network Advertising Initiative's Opt-Out Tool. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.

     

    To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.

    Terms and Conditions

    These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc., Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").

     

    USE OF SITES

    Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

     

    Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client's internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

     

    Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

     

    • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise;
    • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
    • alter, decompile or reverse engineer any software component of the Sites.

     

    All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

     

    No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.

     

    CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE WITH APPLICABLE LAW.

     

    Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Applicable Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.

     

    SECURITY

    Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client's obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.

     

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    Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any legal restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.

     

    DISCLOSURE OF INTEREST

    Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates may have managed or co-managed a public offering of, or acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

     

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    Certain information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.

     

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    Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

     

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    All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

     

    LINKED SITES

    Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non-Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.

     

    CONTENT AND SERVICE AVAILABILITY

    Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.

     

    CONSENT TO ELECTRONIC DELIVERY

    You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.

     

    NO WARRANTY

    Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, all research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.

     

    Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as investment advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation to enter into that Transaction. Further, Client has not received from Bank of America or its Affiliates any assurance or guarantee as to the expected results of a Transaction.

     

    COMPLIANCE WITH LAWS AND INDEMNITY

    The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the country, state and province in which you are accessing and using the Sites.

     

    Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

     

    Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.

    • FOR RESIDENTS OF BRAZIL:

      The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.

    • FOR RESIDENTS OF CANADA:

      The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.

    • FOR RESIDENTS OF FRANCE:

      The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.

    • FOR RESIDENTS OF GERMANY:

      The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.

    • FOR RESIDENTS OF HONG KONG:

      Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.

    • FOR RESIDENTS OF IRELAND:

      Access to the Sites is by invitation only to professional investors.

    • FOR RESIDENTS OF ITALY:

      Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.

    • FOR RESIDENTS OF JAPAN:

      Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.

    • FOR RESIDENTS OF KOREA:

      Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.

    • FOR RESIDENTS OF NETHERLANDS:

      Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.

    • FOR RESIDENTS OF SINGAPORE:

      Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.

     

    LIMITATION OF LIABILITY

    THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY (I) CLIENT'S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America’s PERFORMANCE OF ITS OBLIGATIONS UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America’s CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

     

    Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.

     

    Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due either to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.

     

    UK CONDITIONS

    Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.

     

    CHANGES TO AGREEMENT

    Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.

     

    GOVERNING LAW

    This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit to jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.

     

    THIRD-PARTY LICENSORS

    The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will

     

    • protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
    • restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
    • restrict the copying of Licensed Programs to that number reasonably required for Client use and backup purposes
    • include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
    • prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
    • prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
    • comply with all export laws in respect of Licensed programs;
    • disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
    • make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.

     

    BOFA SECURITIES, INC. – FURTHER INFORMATION

    "Bank of America" and "BofA Securities" are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, derivatives, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, BofA Securities, Inc., which is a registered broker-dealer and Member of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. is a registered futures commission merchant with the CFTC and a member of the NFA.

     

    Investment products offered by Investment Banking Affiliates:

     

     Are Not FDIC Insured     Are Not Bank Guaranteed    May Lose Value  

     

     

    © 2025 Bank of America Corporation.