Business Advantage Customized Cash Rewards
Earn 3% cash back on $50,000 in business spending per year
Customize your cash back with 3% in your choice category, 2% on dining, and no annual fee. Preferred Rewards for Business members earn up to 5.25% back.
- Annual Fee
- $0
- cash back · Welcome Bonus
- $500
- Top Rate
- 3%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Excellent
Welcome Offer
Bonus: $500 cash back
Spend: $5,000
Period: 3 months
Earning Rates
- 3%
Business Services
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/annual
- 3%
Software
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/annual
- 3%
Gas Stations
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/annual
- 3%
Electric Vehicle Charging
EV charging row: same tier and same cap as gas, per the issuer's wording: "gas stations and electric vehicle (EV) charging stations" (TASK-0714).
Cap: $50,000/annual
- 3%
Office Supplies
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/annual
- 3%
Telecom
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/annual
- 3%
Travel
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/annual
- 2%
Dining
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.
Cap: $50,000/annual
- 1%
All Other
Earning Scenarios
3% cash back in your choice category on up to $50,000 annually
Select from 6 categories to earn 3% cash back: gas, office supplies, travel, telecom, consulting, or computer services. Combined with dining, earn the bonus rate on up to $50,000 annually, then 1% on additional purchases.
2% cash back at restaurants on up to $50,000 annually
Earn 2% cash back at dining establishments including restaurants, cafes, and bars. This category counts toward the $50,000 annual combined cap with your choice category, making it ideal for businesses with regular client meals or team lunches.
1% unlimited cash back on all other business purchases
Earn 1% cash back on all other net purchases with no cap. After you reach the $50,000 annual combined limit on 3% and 2% categories, you'll continue earning 1% on those categories as well. No quarterly activation or category rotation required.
Benefits & Perks
Insurance & Protections
4 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Up to $1 million travel accident insurance coverage
$1,000,000
primary
Automatic coverage for accidental death or dismemberment when you pay for flights, trains, or buses with your card.
View conditions
Trigger: Purchase common carrier tickets with the card
Real-time fraud alerts and 24/7 account monitoring
Advanced fraud detection monitors your account around the clock and alerts you instantly to suspicious activity.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Dining Out
2% cash back at restaurants
if dining is your chosen category · On up to $50,000 a year in dining, then the base rate
$2 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesThe Math: Is $0 Worth It?
First-year value includes $500 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 16.99%–26.99% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Video Reviews
8 videosBoA Customized Cash CRUSHES the Competition: EVERYTHING You Need to Know For APPROVAL
Bank of America Business Advantage Customized Cash Rewards credit card
The BofA Business CCR | Honest 6 Month Review (2023)
UNBOXING | BofA Business Customized Cash Rewards
Bank of America Business Advantage Customized Cash Rewards Card Review 2026 | Worth It or Leave It?
Amex Business Gold vs BofA Business Advantage Cash Rewards | Best Business Credit Card 2026
I Ranked Every Bank of America Credit Card (Best Cards in 2025)
Third-Party Articles & Reviews
Business Advantage Customized Cash Rewards credit card review
Solid bonus opportunities with a 0% intro APR, most useful for businesses with low to moderate monthly spending.
Bank of America Business Advantage Customized Cash Rewards Credit Card 2026 Review
Gives cardholders 3% cash back in a category of your choice and 2% back on dining with no annual fee.
Bank of America Business Advantage Customized Cash Rewards Mastercard credit card
Multiple bonus earning categories with 3% cash back on selected category and 2% on dining purchases.
Bank of America Business Advantage Customized Cash Rewards Mastercard credit card
Average credit limit of $9,877 with member data showing credit scores and utilization rates.
Bank Of America Business Advantage Customized Cash Rewards Card Review
Excellent cash-back card offering 3% in selected categories and bonus rewards for Bank of America Preferred Rewards members.
Bank of America Business Advantage Customized Cash Rewards Review: Choose Your Bonus Category
This card earns 3% cash back on the category of your choice from a list of options and 2% cash back on dining, up to a combined annual spending cap.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
