Bank of America Business Advantage Card Cash Value Calculator

Bank of America Business Advantage Travel Rewards Mastercard

1.5x Everything Else
+1.5 Bank of America Travel Center
Business Advantage Relationship Bonus

The Bank of America Business Advantage Travel Rewards Calculator will calculate how many points you can earn based on monthly/yearly spend. The calculator will also calculate the cash value of the card based on that spend, the value of the card benefits, and the annual fee. Results can then be compared side by side against any card.


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At first glance, the Bank of America Business Advantage Travel Rewards World Mastercard may look like it offers standard rewards, but it has it's perks. The card has a straight forward earning structure which improves based on how much you have invested with Bank of America, Merrill Edge, and/or Merrill Lynch. This can generate returns as high as 4% for every dollar spent. So if you're an investor looking for a simple rewards programs, Travel Rewards may be for you.

Bonus Categories

The Bank of America Business Advantage Travel Rewards Mastercard earns a flat rate on all purchases. There is no limit to the amount of Bank of America Points you can earn with this card.

1.5x All Purchases

The Bank of America Travel Rewards Business Card earns an unlimited 1.5 points per $1 spent on all purchases. BOA points are easily worth 1 cents each at minimum, so you're looking at a solid 1.5% return for every dollar spent which is an okay return. There are several business cards that fit that same description. The Capital One Spark Cash Select Business Visa and Chase Ink Business Unlimited Visa both earn 1.5% cash back on all purchases.

+1.5 Bank of America Travel Center

A bonus of 1.5 points (for a total of 3 points) can be earned for every dollar spent at the Bank of America Travel Center. Points will not expire as long as the account is opened and in good standing. This bonus does not apply to insurance purchases (such as travel insurance).

Perks and Benefits

Business Advantage Relationship Rewards

Business Advantage Travel Rewards card holders who are also a Business Advantage Relationship Rewards member will earn bonus points, amongst other things, when they have a large sum of money invested in a Bank of America business deposit and/or Merrill Edge or Merrill Lynch investment account.

  • Gold | 25% Bonus Rewards | $20k to $50k 3-month average in combined balances
  • Platinum | 50% Bonus Rewards | $50k to $100k 3-month average in combined balances
  • Platinum Honors | 75% Bonus Rewards | $100k+ 3-month average in combined balances

The Business Travel Rewards Credit Card offers more points for cardholders enrolled in the Business Advantage Relationship Rewards program. Depending on your relationship, this can generate an additional 25% to 75% reward bonus on purchases. This means you can earn as much as 2.62 points on all purchases. Bank of America features a slightly modified version of this perk on the Bank of America Business Advantage Cash Rewards Mastercard.

Sign Up Bonus

The standard sign up bonus for the Business Travel Rewards Credit Card is 25,000 bonus points after making at least $1,000 in net purchases in the first 60 days of your account opening. 25,000 Bank of America points is worth $250 towards travel, cash, or gift cards. This card usually comes with a 0% introductory APR as well.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Bank of America Business Advantage Travel Rewards Card is $0. You can always expect a positive return when it comes to spending on this card guaranteeing you at least a return of 1.5% at the lowest.

Authorized User Fee

The Bank of America Business Advantage Travel Rewards Card does not charge a fee for adding authorized users. Dish out employee cards without a fee and build Bank of America points faster than ever without taking from the cards value!

Foreign Transaction Fee

The Bank of America Business Advantage Travel Rewards Card does not have a foreign transaction fee meaning shopping overseas will not diminish the solid return this card offers.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-08-14

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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