Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card Review

Last Updated on August 24, 2026

Offer Rating

4.5/ 5

By Our Content Team

With the Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card, business owners can choose the spending category where they earn the most cash back.

Editor

4.5

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Current Offer
$500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.

on Bank of America's secure site

Welcome OfferGet a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases
Intro APR0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Product Details

Select to apply online
$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.
Earn 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, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.

You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America^® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Select to apply online
$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.
Earn 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, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.

You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America^® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

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Offer Rating

4.5/ 5

By Our Content Team

Key Benefit

Earn cash back where it counts and enjoy an intro APR on purchases – all with no annual fee

This powerful business card from Bank of America puts business owners in the driver's seat with the ability to choose what spending categories they would like to earn the most cash back in. You earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases. The bonus categories to choose from include gas stations, office supply stores, travel, computer services, and more!

New cardholders can jumpstart their cash back earnings with a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening. For most business owners, hitting that spending threshold is no problem.

In addition to the generous cash rewards, the Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card comes with a 0% Intro APR for 7 billing cycles on purchases. That can really come in handy if your business needs to finance a large purchase, like an inventory order, or just float expenses during the slow season. After the intro period is up, the ongoing interest rate is a competitive 16.74% - 26.74% Variable APR on purchases and balance transfers. A balance transfer fee applies: 5% of the amount of each transaction.