Platinum Plus Business Mastercard

Platinum Plus Business Mastercard

Bank of AmericaNo annual feeWorld Mastercard3% foreign transaction feeIssuer's page

Already have it? It does little beyond keeping the account open.

No current offer

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Earning

Ranked by how much of a typical year's spending each rate covers. Return is each rate at Miles' value of 1¢ a point. Rates in medium weight return more than the 2% benchmark.
RateCategoryReturn
NoneNo ongoing rewards program

Business card · Earns Cash Back

Benefits

Protections (4)
  • Travel Accident Insurance, up to $100,000, $100,000 in travel accident insurance coverage
  • Purchase Protection, up to $10,000, Up to $10,000 per item, $50,000 annually for eligible items damaged or stolen within 90 days of purchase
  • Extended Warranty, up to $10,000, Doubles manufacturer's warranty up to 24 additional months on eligible purchases, up to $10,000 per claim
  • Auto Rental Collision Damage Waiver (secondary), Secondary coverage for collision damage and theft on domestic rentals up to 31 days. Primary coverage for international rentals up to 31 days.

Other Perks

  • Emergency ticket replacement
  • Legal and medical referrals
  • Zero liability protection for unauthorized transactions
  • Employee cards at no additional cost with customizable credit limits
  • Free access to business credit scores via Dun & Bradstreet
Sources and methodology

First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.

Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.

The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.

Recent changes

  • changed from null to credit_line
    Oct 11, 2026
  • changed from null to BofA Platinum Plus
    Oct 8, 2026
  • changed from null to Status: unknown; Sign up bonus snapshot: null
    Oct 4, 2026
  • changed from $300 after $3K spend in the first 90 days to null
    Aug 19, 2026
  • was 3000, removed
    Aug 19, 2026
  • was 90, removed
    Aug 19, 2026
  • changed from null to 3000
    Aug 13, 2026
  • changed from null to 90
    Aug 13, 2026
Last updated: October 17, 2026