Bank of America
Bank of America Platinum Plus Benefits, Credits & Annual Fee
No annual fee
A no-annual-fee business credit card from Bank of America with a $300 statement credit bonus offer and a 0% intro APR on purchases for the first 7 billing cycles. Best for small business owners who want basic expense management tools and employee cards at no extra cost.
Maintained by Creddy Editorial · Catalog checked Oct 7, 2026
Bank of America Platinum Plus at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Bank of America
Bank of America Platinum Plus Earning Rates
No earning rates listed yet.
Who Should Get the Bank of America Platinum Plus?
It has no annual fee, so it costs nothing to keep. It is a business card.
Is the Bank of America Platinum Plus Worth It?
The Bank of America Platinum Plus has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Bank of America Platinum Plus Statement Credits and When They Reset
- Mastercard Easy Savings Program
Get automatic rebates at tens of thousands of U.S. locations just by paying with your card - no coupons or promo codes needed. Savings apply at participating merchants across categories like fuel, dining, and auto. Rebates post directly to your statement.
Checked Jul 4, 2026
Bank of America Platinum Plus Travel Benefits
Travel Benefits
- Legal and Medical Referrals
Legal and medical referrals help you find appropriate services while you're away from home. Contact the travel assistance service for a referral when you need a lawyer or medical professional; the referral does not state that the resulting fees are covered.
Checked Oct 7, 2026
Rental Car
- Auto Rental Insurance
Auto rental insurance provides coverage for a rental car during travel. Use your card for the rental and check your card's coverage terms before renting to see what vehicles, losses and steps are covered.
Checked Oct 7, 2026
Travel Insurance
- Emergency Ticket Replacement
Emergency ticket replacement helps you deal with a lost or unusable travel ticket while you're away from home. Contact the travel assistance service for help arranging a replacement; check the service terms for any replacement costs.
Checked Oct 7, 2026 - Lost-Luggage Assistance
Lost-luggage assistance helps you address missing bags while you're away from home. Contact the travel assistance service for help locating your luggage and determining next steps; this is assistance, not a stated reimbursement for lost belongings.
Checked Oct 7, 2026 - Travel Accident Insurance
Travel accident insurance provides up to $100,000 in coverage for covered accidents while traveling. Check your card's insurance terms before your trip for covered travelers, qualifying travel and claim requirements.
Checked Oct 7, 2026
More Bank of America Platinum Plus Card Benefits
Purchase Protection
- Extended Warranty Coverage
Extended warranty coverage adds protection for certain purchases after their original warranty. Check your card's benefit terms to see which items and warranties qualify and how to request coverage; it does not apply to every purchase.
Checked Oct 7, 2026 - Purchase Protection
Purchase protection covers certain purchases against loss, damage, theft or fire. Check your card's protection terms to see which items and incidents qualify and how to file a claim; not every purchase is covered.
Checked Oct 7, 2026
Fees & Miscellaneous
- Employee Cards at No Additional Cost
Add cards for your employees at no extra charge, keeping all spending on one account. You can monitor every transaction made on employee cards in real time. There's no limit stated on the number of cards you can issue.
Checked Jul 4, 2026 - No Annual Fee$0 / yr
This card has no annual fee.
Checked Sep 14, 2026
Bank of America Platinum Plus vs Other Bank of America Cards
- Bank of America Business Advantage Customized CashNo annual fee
- Bank of America Business Advantage Travel RewardsNo annual fee
- Bank of America Business Advantage Unlimited CashNo annual fee
- Atmos Rewards Business$70 / yr
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Bank of America Platinum Plus FAQs
Is the Bank Of America Platinum Plus worth the annual fee?
Compare Bank of America Platinum Plus's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits can Creddy track for Bank of America Platinum Plus?
Creddy's September 26, 2026 catalog check found no trackable benefit records for Bank of America Platinum Plus. That describes Creddy's tracking coverage, not the card's full rewards, insurance or issuer benefits. Review the earning tables and the exact issuer terms for those separate features.
What is the annual fee for the Bank Of America Platinum Plus?
Creddy's catalog lists a $0 annual fee for Bank of America Platinum Plus as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Bank Of America before applying or renewing.
Does the Bank Of America Platinum Plus come with a welcome bonus?
Welcome offers for Bank of America Platinum Plus can change and may depend on your application or account history. Check Bank Of America's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Bank Of America Platinum Plus?
Bank of America Platinum Plus may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Bank Of America Platinum Plus compare to other Bank of America cards?
Compare Bank of America Platinum Plus with other Bank Of America cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.