BOA Platinum Business Visa

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BOA Platinum Business Visa

FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.


Card Type: Visa Platinum

Application Tips

Bank of America Application Tips


  • 3/12 or 7/12 Rule: You won't be approved if you have opened 3 or more accounts, with any bank, in the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7+ accounts.
  • 2/3/4 Rule: Max 2 consumer cards per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months.
  • 5 card limit: You will not get approved for a new consumer card if you already have 5 consumer BOA cards open
  • Get Same Card Again: With some BOA cards, must wait 24 months after either opening or cancelling, depending upon the card.
  • Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining.

Click here to check your application status
If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards);

Related Cards (BOA cash back cards)

Royal Caribbean® Visa Signature® Credit Card
10K points + $50 Air2Sea program discount
10K points + $50 airfare discount: 10K after $1K spend in the first 90 days + $50 Air2Sea program discount after $3.5K total in first 90 days (excludes students)

No Annual Fee

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