80,000 Points
Worth $1,200
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Dining
- 4.5%Hawaiian Air
Annual Fee
$395
Rec. Credit
Good
Bank of America
Business Advantage Customized Cash Rewards
The Bank of America Business Advantage Customized Cash Rewards card is built for small business owners who want flexible cash back tied to their specific operational spending. With no annual fee, it lets you select a top earning category that aligns directly with your monthly expenses.
Welcome Offer
$500
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Flexible small business spending
All information about Business Advantage Customized Cash Rewards has been collected independently by MaxRewards. Business Advantage Customized Cash Rewards is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Business Advantage Customized Cash Rewards worth it?
This card is great for...
Customizable expense categories
Zero annual fee rewards
Targeted business cash back
With no annual fee and a accessible welcome offer, this card delivers clear, scalable value for small businesses. The main draw is the ability to select your 3% cash-back category, which can be changed monthly as business needs shift between travel, office supplies, computer services, or telecom expenses.
The combined $50,000 annual limit on the 3% and 2% bonus tiers provides enough room for moderate spending to earn substantial cash rewards. However, larger businesses that exceed this cap quickly or those needing extensive travel protections and lounge access will find greater long-term utility in a dedicated travel or flat-rate business card.
MaxRewards Verdict
This card provides reliable value for business owners seeking customizable cash back with zero overhead, though high-spending companies may hit the annual bonus limits quickly.
Welcome Offer
$500
after you spend $5,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$500
Required Spend
$5,000
Time Frame
3 Months
Est. Value
$500
Required Spend
$5,000
Time Frame
3 Months
Earning
Rewards
You earn cash back structured around a customizable 3% category and 2% on dining, making it easy to tailor rewards to your primary operational spending.
CategoryRate
Choice
Up to $50,000 spend per year
3%
Dining
Up to $50,000 spend per year
2%
Everywhere
1.8%
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
16.74% - 26.74%
Variable
Transfer APR
16.74% - 26.74%
Variable
Cash Advance APR
27.74%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$0.05
Cash Advance
$0.05
Late Payment
$49
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Bank of America
See all 42 cards
80,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
70,000 Points
Worth $1,050
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Good