Bank of America
Bank of America Business Advantage Customized Cash Rewards
Annual Fee
$0
Sign-up Bonus
50,000 pts
Card data last reviewed 2026-05-22
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on other travel (catalog median is 2x)
- 3x on gas (catalog median is 2x)
- 3x on internet (catalog median is 1x)
- No annual fee
- Non-bonus spending earns only 1x
- Bonus rates have spending caps
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$324/yr
$324 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$350/yr
$350 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$358/yr
$358 rewards
This card has spending caps or rotating categories not fully modeled above; treat these as upper bounds.
Rewards by Category
Dining
2x
Grocery
1x
Gas
3x
Flights
1x
Hotels
1x
Other Travel
3x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
3x
Fast Food
2x
Home Utilities
1x
Internet
3x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3% cash back in one chosen category (gas/EV, office supply, travel, TV/telecom/wireless, computer services, or business consulting). 2% on dining. 1% on everything else. 3%+2% rates apply to the first $50,000 combined per calendar year. Preferred Rewards for Business Platinum Honors can raise these to 5.25% / 3.5% / 1.75%.
- bonus_combined: bonus rate capped at $50,000 of spend per year (3% chosen-category and 2% dining apply only to first $50,000 combined per calendar year)
Bank of America Business Advantage Customized Cash Rewards FAQ
What is the Bank of America Business Advantage Customized Cash Rewards annual fee?
The Bank of America Business Advantage Customized Cash Rewards has no annual fee.
What is the Bank of America Business Advantage Customized Cash Rewards signup bonus?
50,000 dollars for new cardholders meeting the minimum spend. Verified 2026-05-22. Check the issuer's site for the current offer.
What are the best spending categories for the Bank of America Business Advantage Customized Cash Rewards?
3x on other travel, 3x on gas, 3x on internet. Everything else earns 1x.
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Sources & Verification
Card data last reviewed 2026-05-22.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.