Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Bank of America Business Advantage Customized Cash Rewards is a no-annual-fee cash back card from Bank of America. Its best everyday rates are 3% on business services, 3% on computer services, and 3% on gas stations; everything else earns 1%. Business services is capped at $50,000 a year, then drops to the base rate. The top rate rotates through categories each quarter and needs activating.
On our reference budget of $73,200 a year it returns about $1,308, an effective 1.8% back. The welcome bonus, $500 after $5,000 in 90 days, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Cap: $50,000 per annual
Earn 3% cash back in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
Cap: $50,000 per annual
Earn 3% cash back in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
Cap: $50,000 per annual
Earn 3% cash back in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
Cap: $50,000 per annual
Earn 3% cash back in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
Cap: $50,000 per annual
Earn 3% cash back in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
Cap: $50,000 per annual
Earn 3% cash back in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
Cap: $50,000 per annual
Earn 2% cash back on dining purchases. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
et a $500 cash rewards bonus after you make at least $5,000 in purchases within 90 days of your account opening.
Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.
These come from Mastercard, not from Bank of America. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
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Share with your clients both in-person and digital experiences in dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for Mastercard cardholders. Visit priceless.com.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Business Advantage Customized Cash RewardsThis card · 3% on business services | None | $1,308 | +$1,308 | 14th of 752 |
| Business Advantage Travel Rewards World Mastercard®Bank of America's most-held other card · 1.5x on everything | None | $1,098 | +$1,098 | 163rd of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
