Bank of America Business Advantage Customized Cash Rewards
No annual fee · 1% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Category of your choice (you pick) | 3% | on the first $12,500/quarter |
| Dining | 2% | on the first $50,000/year |
| Everything else | 1% | uncapped |
See how it ranks: best dining cards.
Non-cash perks
- Free employee/additional cards
- $1M travel accident insurance
- Auto rental collision/loss damage coverage
- Emergency ticket replacement and lost-luggage assistance
- Free Dun & Bradstreet business credit score via Business Advantage 360
- Cash Flow Management Tools (auto payments, transfers, QuickBooks download)
- Preferred Rewards for Business bonus eligible
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- A heavy dining spender. The 2% on dining stops after $50,000 of it per year. Past that the same purchases earn its base 1%, so the headline rate describes the first $50,000 only.
More from Bank of America
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: business.bankofamerica.com · www.bankofamerica.com. Spot an error? Tell us.