Anyone who has ever applied for a credit card has probably noticed that most cards are also offered in a version targeted to businesses. At the same time, employees of large corporations, non-profits, and government entities are occasionally granted use of a corporate credit card. Although the terms business and corporation are often used interchangeably, there actually is a substantial difference between the credit cards that use these different labels.

What Is A Business Card?

A small business credit card is one that is issued to individuals, sole proprietors, and the principals of small companies. These cards function almost identically to personal credit cards, with a few exceptions. Business credit cards are not automatically subject to the protections of the CARD Act of 2009, although some banks feature products that voluntarily comply with this law. Like personal cards, business cards are issued based on the credit of the person applying, and that individual is personally responsible for the repayment of all debts.

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The market for travel rewards credit cards grows a little bigger with the arrival of three new cards from Bank of America. The BankAmericard Travel Rewards, BankAmericard Privileges and WorldPoints Travel Rewards for Business cards cater to frequent international travelers with better-than-average rewards rates.

Features found in all three cards include complimentary concierge service, 24-hour travel and emergency assistance, no foreign transaction fees, no blackout dates and no expiration on points earned.

The no-annual-fee BankAmericard Travel Rewards card offers 1.5 points per dollar spent on all purchases and 3 points per dollar on the first $6,000 spent through Bank of America’s Travel Center per calendar year. A 10% annual points bonus applies if the cardmember also has a qualifying Bank of America account (i.e., deposits, retirement, investing or trust).

The BankAmericard Privileges card is a slightly upgraded version of BankAmericard Travel Rewards. I

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Family members of the murdered bride Anni Dewani are desperate to get the truth behind her mystery death on her honeymoon in 2010.

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Bass Pro is an amazing retailer not just for fishing enthusiasts, but for anyone who enjoys the outdoors. In each store, customers find an amazing display of mounted animals as well as tanks filled with live fish. Bank of America and Bass Pro offers the Outdoor Rewards Visa Signature rewards credit card to fans of the catalog and superstore who want to earn extra savings on their purchases.

How This Card Works

Cardholders will earn 1% back on most purchases, with 5% earned on qualified spending at Bass Pro Shops. Rewards are redeemed in the form of store credit (as opposed to typical cash back credit cards that offer, well, cash), which can be used for purchases in the store, online, or from their catalog. This card comes with a 0% introductory APR on purchases that is valid for the first year. Subsequently, the Standard APR will apply to both purchases and balance transfers, which is equal to the Prime Rate plus 9.74% 17.74%, depending on the applicant’s credit worthiness. T

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Bank of America is testing a “Mortgage to Lease” pilot program in Arizona, Nevada and New York.  The program will make it possible for an initial 1,000 homeowners at considerable risk for foreclosure to remain in their homes as a tenant for up to three years. The

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Dear Cashing In, I’m looking for a new rewards card and I like one that has a $95 annual fee, but that fee is just scares me. I spend maybe $700 or $800 per month on my cards and I travel a little bit, so I’ve got a few miles built up, but do you think that a $95 annual fee is a good fit for me? — Paul

Dear Paul, If you’re averaging $750 per month in charges on your cards, I don’t blame you for being leery about a $95 annual fee. Your decision should depend on how much you travel — specifically, how much you use that credit card for travel.

Measuring the worth of an annual fee comes down to how much reward the card buys you. If you’re contemplating the Gold Delta SkyMiles card from American Express or the United MileagePlus Explorer card from Chase, both of which charge the $95 annual fee you mentioned, you’ll get one mile per dollar spent, which for you will amount to about 9,000 miles per year ($750/month x 12 months = $9,000 or 9,000 miles).

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