Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

You know I love points but the Travel Rewards is my least favorite of the three Business Advantage cards from Bank of America. That’s because the rewards points you are earning are the most restrictive.

At best they are worth 1 cent per point if you redeem them against travel or dining expenses -- but this is the exact same value as the cash back you'd get on the Unlimited and Customized Cash. The cash back cards just make it easier to redeem your rewards. If you choose cash credit (check or Bank of America deposit) you'll just get 0.6 cent per point, 2,500 points = $15.

If you're a Bank of America Preferred Rewards for Business member you have boosted earning potential (varies depending on how much you have in assets in Bank of America business accounts).

As with other Bank of America cards, your best chance for approval is if you've opened two or fewer cards in the past 12 months — or if you have a Bank of America checking or savings account.

I consider this a long term keeper for the Museums on Us perk alone! Even employee cards qualify for entry, and employee cards are free to add.