Business Advantage Customized Cash Rewards
Lets you pick which category earns 3% each month — gas, office supplies, travel, and a few others — so the card can flex as your biggest expense changes. Existing Bank of America business customers can boost the rate further through Preferred Rewards for Business.
Business Advantage Customized Cash Rewards at a glance
Issued by Bank of America. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- Intro APR
- 0% on purchases for 9 billing cycles
- Foreign transaction fee
- 3%
Rewards
3% cash back in a category you choose (e.g. office supplies, gas), 1% elsewhere
Business Advantage Customized Cash Rewards's annual fee vs. the cheapest and priciest cards on the marketplace
Business Advantage Customized Cash Rewards vs. similar Cash back
| Criterion | Business Advantage Customized Cash Rewards | Ink Business Unlimited® | Ink Business Cash® |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Regular APR | Variable, ~18–26% | Variable, ~18–24% | Variable, ~18–24% |
| Foreign transaction fee | 3% | 3% | 3% |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Business Advantage Customized Cash Rewards charges a 3% foreign transaction fee. On recurring international vendor or contractor payments, that adds up faster than the rewards rate offsets it — if that's a regular expense for your business, weigh a card with no foreign transaction fee even if its rewards rate is lower.
Pros
- +Category choice adapts monthly
- +No annual fee
- +Meaningful rate boost for Preferred Rewards members
Cons
- −3% category caps at $50,000/yr in combined spend
- −3% foreign transaction fee
Business Advantage Customized Cash Rewards has no annual fee, requires good/excellent credit, and offers 0% on purchases for 9 billing cycles as an intro APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Businesses with one dominant, changeable spend category
We don't have a partnership with Bank of America — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.