The Bank of America is a business credit card from Bank of America. Application typically pulls a hard report from Experian. The ongoing APR is 16.74% – 26.74% Variable after a 0% introductory rate for 7 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: $500 cash rewards after $5,000 spend in first 90 days. Rewards: 3% in choice category, 2% dining, 1% everything else. Cash back: 3% in choice category, 2% dining, 1% everything else. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Bank of America enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card.. EXPERT REFERENCE (Aug 2025): 0% for 9 months | EXPERT REFERENCE (Aug 2025): Up to $35K possible with solid relationship | EXPERT REFERENCE (Aug 2025): Approved for two business credit cards totaling $30,000 with only one hard pull and no documentation required. | EXPERT REFERENCE (Aug 2025): First card approved for $15,000 under sole proprietorship. | EXPERT REFERENCE (Aug 2025): Second card approved for $15,000 under LLC with a $20,000 balance in business checking account.