The Bank of America Business Advantage Cash Rewards Master is a business credit card from Bank of America Business Advantage Cash Rewards Master. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.49%–27.49% variable after a 0% introductory rate for 9 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: $500 ONLINE CASH REWARDS BONUS OFFER. Rewards: 3% cash back in the category of your choice, 2% cash back on dining purchases and 1% cash back on all other purchases.. Cash back: 3% cash back in the category of your choice, 2% cash back on dining purchases and 1% cash back on all other purchases. 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..