Business Advantage Customized Cash Rewards

Yes, for the right business. This card makes the most sense if your spending is concentrated enough that choosing a 3% category will actually matter, and if you also spend regularly on dining. With no annual fee, there is not much downside to holding it, and the rewards structure is strong enough to make it a useful primary card for some small businesses or a targeted category card alongside others.

The tradeoff is that it is not especially rich outside its bonus areas. If your business expenses are spread evenly across many categories, or you want premium travel benefits, purchase protections, or other business perks, this card will feel pretty bare-bones. Its value comes from straightforward cash back and category flexibility, not extras.