{"id":281831,"date":"2026-10-27T21:00:01","date_gmt":"2026-10-27T21:00:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=281831\/"},"modified":"2026-10-27T19:38:29","modified_gmt":"2026-10-27T19:38:29","slug":"bank-of-america-business-advantage-customized-cash-earn-up-to-5-25-cash-back-with-no-annual-fee","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/business-advantage-customized-cash\/","title":{"rendered":"Bank of America Business Advantage Customized Cash: Earn up to 5.25% Cash Back With No Annual Fee"},"content":{"rendered":"<p>For business owners who want valuable cash back on purchases, the <a data-ccid=\"5048300\" href=\"\/blog\/link\/BankOfAmericaBusinessAdvantageCustomizedCashRewardsMastercardcreditcard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Business Advantage Customized Cash Rewards Mastercard<sup>\u00ae<\/sup> credit card<\/a> is definitely worth considering. The card comes with a modest welcome offer and earns up to 3% cash back on popular bonus categories.<\/p>\n<p>The <a data-ccid=\"5048300\" href=\"\/blog\/link\/BankOfAmericaBusinessAdvantageCustomizedCashRewardsMastercardcreditcard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Business Advantage Customized Cash Rewards Mastercard<sup>\u00ae<\/sup> credit card<\/a> has no annual fee, an introductory APR offer, and\u00a0<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">lets you supercharge your cash back if you have tier status with <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" rel=\"noopener\">BofA Rewards<\/a><\/span>. Let's look at the Bank of America Business Advantage Customized Cash card to see if it can meet your business's needs.<\/p>\n<div class=\"qs-card\" data-id=\"5048300\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Business Advantage Customized Cash Rewards Mastercard<sup>\u00ae<\/sup> credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/d9aafc5f-e9bc-469d-ac6e-7a90b555afb7.png\" width=\"150\" alt=\"Bank of America\u00ae Business Advantage Customized Cash Rewards Mastercard\u00ae credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Bank of America\u00ae Business Advantage Customized Cash Rewards Mastercard\u00ae credit card' data-ccid=\"5048300\" href=\"\/blog\/link\/BankOfAmericaBusinessAdvantageCustomizedCashRewardsMastercardcreditcard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Business Advantage Customized Cash Rewards Mastercard<sup>\u00ae<\/sup> credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Business Advantage Customized Cash Rewards Mastercard<sup>\u00ae<\/sup> credit card allows business owners to earn 3% cash back in a selected category\u2014like gas, office supplies, travel, or business services, 2% on dining (up to $50,000 annually in combined choice category\/dining purchases), and 1% on all other purchases. Boost cash back by up to 75% if qualified to the highest tier in Preferred Rewards for Business. No annual fee, and rewards don't expire as long as the account is open.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV\/telecom & wireless, computer services or business consulting services<\/li>\r\n<li>2% cash back on dining purchases (for the first $50,000 in combined choice category\/dining purchases each calendar year)<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOABizCustomCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-10-26f13297b6#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Bank_of_America_Business_Advantage_Customized_Cash_Pros\">Bank of America Business Advantage Customized Cash Pros<\/span><\/h2>\n<ul>\n<li>$0 annual fee<\/li>\n<li>Introductory APR offer<\/li>\n<li>Bonus cash back on popular categories, including the ability to choose a bonus-earning category that aligns with your spending<\/li>\n<li>Elevated earning with BofA Rewards account<\/li>\n<\/ul>\n<h2><span id=\"Bank_of_America_Business_Advantage_Customized_Cash_Cons\">Bank of America Business Advantage Customized Cash Cons<\/span><\/h2>\n<ul>\n<li>Cash back cannot be redeemed with airline and hotel partners<\/li>\n<li>Harsh application restrictions<\/li>\n<li>Not many card benefits<\/li>\n<\/ul>\n<h2><span id=\"Bank_of_America_Business_Advantage_Customized_Cash_Welcome_Bonus\">Bank of America Business Advantage Customized Cash Welcome Bonus<\/span><\/h2>\n<p>New Bank of America Business Advantage Customized Cash cardholders can earn a $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening. This is a decent offer for a no-annual-fee card, as it's essentially equivalent to another 1% back on the $5000 spend required.<\/p>\n<figure id=\"attachment_51528\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"601\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\" wp-image-51528 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-1024x818.jpg\" alt=\"a man uses his laptop at a desk\" width=\"601\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-1024x818.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-1536x1228.jpg 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-2048x1637.jpg 2048w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-325x260.jpg 325w\" sizes=\"(max-width: 601px) 100vw, 601px\" \/><center><em>Credit: Bench Accounting\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Bank_of_America_Business_Advantage_Customized_Cash_Benefits\">Bank of America Business Advantage Customized Cash Benefits<\/span><\/h2>\n<p>The Bank of America Business Advantage Customized Cash\u00a0doesn't boast many card benefits, but a few will help with your business organization.<\/p>\n<h3><span id=\"Introductory_APR_offer\">Introductory APR offer<\/span><\/h3>\n<p>Credit card interest can make a single purchase much more expensive if you cannot pay it off in full. However, with the Bank of America Business Advantage Customized Cash, you get 0% introductory APR on purchases for the first seven billing cycles. Then, 16.99% - 26.99% Variable APR on purchases and balance transfers.<\/p>\n<p>This card perk is great for big purchases and spreading payments over time. However, remember that you will pay interest if you don't pay off your purchases by the end of the introductory period.<\/p>\n<h3><span id=\"0_annual_fee\">$0 annual fee<\/span><\/h3>\n<p>Perhaps the best perk of the Bank of America Business Advantage Customized Cash is that you don't have to pay an annual fee to carry it. That means you can earn cash back without having an annual fee cut into your rewards.<\/p>\n<h3><span id=\"Cash_flow_management_tools\">Cash flow management tools<\/span><\/h3>\n<p>Cardholders can efficiently manage their business with automatic payments, transfers, and by downloading transactions to QuickBooks.<\/p>\n<h3><span id=\"Purchase_and_travel_coverage\">Purchase and travel coverage<\/span><\/h3>\n<p>The Bank of America Business Advantage Customized Cash offers the following coverage:<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/awardwallet.com\/credit-cards\/purchase-protection\/\">Purchase protection<\/a><\/strong> &#8212; Covers eligible items against theft, damage, fire, or accidental breakage within 90 days of purchase.<\/li>\n<li><strong><a href=\"https:\/\/awardwallet.com\/credit-cards\/rental-car-insurance\/\">Auto rental coverage<\/a><\/strong> &#8212; Covers physical damage and theft of a rental vehicle, reasonable towing costs, and any valid loss-of-use charges from the rental agency. Coverage is secondary.<\/li>\n<li><strong>Travel accident insurance<\/strong> &#8212; Up to $1,000,000 in accidental death and dismemberment coverage when you pay for your common carrier travel tickets with the card.<\/li>\n<li><strong>Zero Liability protection<\/strong><\/li>\n<\/ul>\n<h3><span id=\"Employee_cards_at_no_additional_cost\">Employee cards at no additional cost<\/span><\/h3>\n<p>This can help you control and enable your employees to make purchases for your business.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/trip-cancellation-insurance\/\" rel=\"noopener\">Top Credit Cards for Trip Interruption & Trip Cancellation Insurance<\/a><\/strong><\/p>\n<h2><span id=\"Bank_of_America_Business_Advantage_Customized_Cash_Earning_Rates\">Bank of America Business Advantage Customized Cash Earning Rates<\/span><\/h2>\n<p>The Bank of America Business Advantage Customized Cash has good earning rates that business owners can take advantage of:<\/p>\n<ul>\r\n<li>3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV\/telecom & wireless, computer services or business consulting services<\/li>\r\n<li>2% cash back on dining purchases (for the first $50,000 in combined choice category\/dining purchases each calendar year)<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<\/ul>\n<p>The ability to choose the best 3% category for your needs, as well as 2% on dining, is solid, although they are capped at $50,000 in spend per calendar year. The default choice category is Gas Stations and Electric Vehicle (EV) Charging Stations but can be changed once per calendar month in the Bank of America app or website.<\/p>\n<h3><span id=\"Boost_your_earnings_through_BofA_Rewards\">Boost your earnings through BofA Rewards<\/span><\/h3>\n<p>If you have banking and investing assets you could move to Bank of America, these accounts can increase your earning rates on the <a data-ccid=\"5048300\" href=\"\/blog\/link\/BankOfAmericaBusinessAdvantageCustomizedCashRewardsMastercardcreditcard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Business Advantage Customized Cash Rewards Mastercard<sup>\u00ae<\/sup> credit card<\/a> through the <a href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">BofA Rewards program<\/a>.<\/p>\n<p>The program has several tiers, based on a three-month combined average daily balance between Bank of America and Merrill accounts. The tiers are as follows, including the bonus earnings applied to your credit card earning rates:<\/p>\n<ul>\n<li><strong>Member tier (no minimum balance required):<\/strong> 10% bonus<\/li>\n<li><strong>Preferred Plus tier ($30,000 to $100,000):<\/strong> 25% bonus<\/li>\n<li><strong>Preferred Honors tier ($100,000 to $1 million):<\/strong> 50% bonus<\/li>\n<li><strong>Premier tier ($1 million or higher):<\/strong> 75% bonus<\/li>\n<\/ul>\n<figure id=\"attachment_261166\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"900\/239\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"Screenshot-2026-05-02-at-9.32.27-PM-900x239\" decoding=\"async\" class=\"size-large wp-image-261166 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-at-9.32.27-PM-900x239.png\"  width=\"900\" height=\"239\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-at-9.32.27-PM-900x239.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-at-9.32.27-PM-750x199.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-at-9.32.27-PM-768x204.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-at-9.32.27-PM-1536x407.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-at-9.32.27-PM-2048x543.png 2048w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><center><em>Screenshot of Bank of America<\/em><\/enter><\/figure>\n<p>If you fall into one of the above categories, you can earn even more cash back when you use the Bank of America Business Advantage Customized Cash. If you have $1 million or higher in combined assets, you'll earn a 75% bonus rewards boost.<\/p>\n<p>Although the boost applies only to the base earnings rate, Premier members can still earn a total of 5.25% on their chosen category each quarter &#8212; 3% base rate plus a 2.25% Premier bonus. The 2% dining category could bump as high as 3.5% for BofA Premier members. That is a great return on spend.<\/p>\n<p>The BofA Rewards program also applies to other cards in the Bank of America portfolio, like the <a data-ccid=\"3006073\" href=\"\/blog\/link\/BankofAmericaBusinesAdvantageTravelRewardsWorldMastercardcreditcard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Business Advantage Travel Rewards World Mastercard<sup>\u00ae<\/sup> credit card<\/a> credit card, giving you plenty of options when considering a new card.<\/p>\n<h2><span id=\"Bank_of_America_Business_Advantage_Customized_Cash_Redeeming_Rewards\">Bank of America Business Advantage Customized Cash Redeeming Rewards<\/span><\/h2>\n<p>As a cash back card, redeeming earnings on your Bank of America Business Advantage Customized Cash is easy. You can deposit rewards into your eligible Bank of America checking or savings account, redeem as a card statement credit, or have a check mailed to you. You don't have to worry about complicated transfers and maximizing your value; just redeem your cash back to save your business money.<\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>If you're wondering whether you should apply for the Bank of America Business Advantage Customized Cash, you'll want to familiarize yourself with <a target=\"_blank\" href=\"\/credit-cards\/bank-america-credit-card-application-rules\/\" rel=\"noopener\">Bank of America's credit card application rules<\/a>.<\/p>\n<p><a target=\"_blank\" href=\"\/credit-cards\/bank-america-234-policy\/\" rel=\"noopener\">Bank of America has a 2\/3\/4 rule for new applications<\/a>. You can be approved for a maximum of two new cards in any two-month period, three new cards per rolling 12-month period, or four new cards per rolling 24-month period. Luckily, business cards do not count when 2\/3\/4 is calculated. That means the Bank of America Business Advantage Customized Cash\u00a0could be attractive if you aren't eligible for personal cards.<\/p>\n<p>Plus, applications are reviewed differently depending on whether you have a banking relationship with Bank of America. If you have a banking relationship, your credit card application will be denied if you have more than seven new credit cards in the past year showing on your credit report. This limit drops to three new credit cards in the past year for those without a banking relationship.<\/p>\n<p>Also, you will not be approved for the Bank of America Business Advantage Customized Cash if you have, or have had, another business card with Bank of America in the preceding 24-month period. That means you should really weigh which Bank of America business card is right for you, as you can only hold one at a time.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Bank_of_America_Business_Advantage_Customized_Cash\">Cards That Compete With the Bank of America Business Advantage Customized Cash<\/span><\/h2>\n<ul>\n<li><strong>If you want a 0% APR card but with great earning potential, <\/strong>check out the <a data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" rel=\"noopener nofollow sponsored\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/a>. It offers 0% APR on purchases for the first 12 months, then a variable APR of 16.99% &#8211; 24.99%. Plus, you earn 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services and 2% cash back on dining and gas on the first $25,000 spent in combined purchases each account anniversary year on all purchases, all for no annual fee. Check out our full review of the <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-cash\/\">Ink Business Cash card here<\/a>.<\/li>\n<li><strong>If you want a no-annual-fee card with rewards you can transfer to airlines and hotels, <\/strong>the <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a> may be for you. It doesn't have a 0% APR offer, but it does earn 2x  points on all purchases, and those rewards can be transferred to 20 airline and hotel partners. See our <a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\">full review here<\/a>.<\/li>\n<li><strong>If you want a different Bank of America business card, <\/strong>the <a data-ccid=\"5048299\" href=\"\/blog\/link\/BankofAmericaBusinessAdvantageUnlimitedCashRewardsMastercardcreditcard\" rel=\"noopener nofollow sponsored\">Bank of America Business Unlimited Card<\/a> is worth a look. This card has a $0 annual fee, the same welcome offer, and earns a flat 1.5% cash back on all other purchases.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-bank-of-america\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/34658cdd-f2cb-4b12-9a5a-b2b77c2cc649.png\" width=\"150\" alt=\"Ink Business Cash\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 when you spend $6,000 on purchases in the first 3 months after account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Cash\u00ae Credit Card' data-ccid=\"340040\" data-exit=\"ccw\" href=\"\/blog\/link\/InkCashBusinessCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a> <\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"340040\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005141&type=3&u1=1dde4a32ee5415cffece6afeef225c44&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year<\/li>\r\n<li>2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year<\/li>\r\n<li>1% cash back on all other card purchases with no limit to the amount you can earn<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div><div class=\"compare-offer\"><strong>Find Out Your Offer<\/strong>\r\nAs High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers\u00a0vary\u00a0and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" data-exit=\"ccw\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>No annual fee<span class=\"compare-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.<\/li><\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/d9aafc5f-e9bc-469d-ac6e-7a90b555afb7.png\" width=\"150\" alt=\"Bank of America\u00ae Business Advantage Customized Cash Rewards Mastercard\u00ae credit card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bank of America<sup>\u00ae<\/sup> Business Advantage Customized Cash Rewards Mastercard<sup>\u00ae<\/sup> credit card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Bank of America\u00ae Business Advantage Customized Cash Rewards Mastercard\u00ae credit card' data-ccid=\"5048300\" data-exit=\"ccw\" href=\"\/blog\/link\/BankOfAmericaBusinessAdvantageCustomizedCashRewardsMastercardcreditcard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV\/telecom & wireless, computer services or business consulting services<\/li>\r\n<li>2% cash back on dining purchases (for the first $50,000 in combined choice category\/dining purchases each calendar year)<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"5048300\" href=\"\/blog\/link\/BankOfAmericaBusinessAdvantageCustomizedCashRewardsMastercardcreditcard\" rel=\"noopener nofollow sponsored\">Bank of America<sup>\u00ae<\/sup> Business Advantage Customized Cash Rewards Mastercard<sup>\u00ae<\/sup> credit card<\/a> is an excellent cash-back card for business owners who want to accelerate their earnings. It offers generous bonus earning categories and lets you increase that cash back through BofA Rewards investing. With no annual fee, it is a solid card, but it falls short compared with cards that earn <a href=\"https:\/\/awardwallet.com\/travel\/types-of-rewards-points\/\">transferable points<\/a>, which may offer even more value when you transfer rewards to hotels and airlines.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Bank_of_America_Business_Advantage_Customized_Cash_Pros\">Bank of America Business Advantage Customized Cash Pros<\/a><\/li><li><a href=\"#Bank_of_America_Business_Advantage_Customized_Cash_Cons\">Bank of America Business Advantage Customized Cash Cons<\/a><\/li><li><a href=\"#Bank_of_America_Business_Advantage_Customized_Cash_Welcome_Bonus\">Bank of America Business Advantage Customized Cash Welcome Bonus<\/a><\/li><li><a href=\"#Bank_of_America_Business_Advantage_Customized_Cash_Benefits\">Bank of America Business Advantage Customized Cash Benefits<\/a><ul><li><a href=\"#Introductory_APR_offer\">Introductory APR offer<\/a><\/li><li><a href=\"#0_annual_fee\">$0 annual fee<\/a><\/li><li><a href=\"#Cash_flow_management_tools\">Cash flow management tools<\/a><\/li><li><a href=\"#Purchase_and_travel_coverage\">Purchase and travel coverage<\/a><\/li><li><a href=\"#Employee_cards_at_no_additional_cost\">Employee cards at no additional cost<\/a><\/li><\/ul><\/li><li><a href=\"#Bank_of_America_Business_Advantage_Customized_Cash_Earning_Rates\">Bank of America Business Advantage Customized Cash Earning Rates<\/a><ul><li><a href=\"#Boost_your_earnings_through_BofA_Rewards\">Boost your earnings through BofA Rewards<\/a><\/li><\/ul><\/li><li><a href=\"#Bank_of_America_Business_Advantage_Customized_Cash_Redeeming_Rewards\">Bank of America Business Advantage Customized Cash Redeeming Rewards<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Bank_of_America_Business_Advantage_Customized_Cash\">Cards That Compete With the Bank of America Business Advantage Customized Cash<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>For business owners who want valuable cash back on purchases, the <a data-ccid=\"5048300\" href=\"\/blog\/link\/BankOfAmericaBusinessAdvantageCustomizedCashRewardsMastercardcreditcard\">Bank of America\u00ae Business Advantage Customized Cash Rewards Mastercard\u00ae credit card<\/a> may be worth considering. The card comes with a modest welcome offer, up to 3% cash back on popular bonus categories, has no annual fee, and an introductory 0% APR offer. Plus you can supersize your cash back if you are a member of BofA Rewards.<\/p>\n","protected":false},"author":94,"featured_media":180813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_bluesky_share_type":"","_mastodon_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"","timeOption":"","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":""},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12789,12620],"coauthors":[36490],"class_list":["post-281831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-bank-of-america","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/281831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/94"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=281831"}],"version-history":[{"count":13,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/281831\/revisions"}],"predecessor-version":[{"id":283259,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/281831\/revisions\/283259"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/180813"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=281831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=281831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=281831"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=281831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}