Bank of America Business Advantage Customized Cash Review 2024

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Bank of America Business Advantage Customized Cash Review 2024","alternativeHeadline":"Bank of America Business Advantage Customized Cash Rewards Credit Card Review","image":{"@type":"ImageObject","url":"https://i.insider.com/63063843c2794d00197f52d2?width=1200&format=jpeg","width":1200,"height":900,"caption":"Your business can choose its own 3% cash back category."},"name":"Bank of America Business Advantage Customized Cash Rewards Credit Card Review","datePublished":"2024-07-19T18:18:52Z","dateModified":"2024-12-31T16:12:01Z","description":"The no-annual-fee Bank of America Business Customized Cash Rewards card lets you earn the most rewards in the categories where you spend the most.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. The details for these products have not been reviewed or provided by the issuer.The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card \n is great for small-business owners who want to control how they earn rewards and maximize every dollar spent.The card has a solid welcome bonus, good redemption options, and a fair intro APR deal, which makes it one of the best Bank of America business credit cards. But if you don't spend big in the select bonus categories, you should consider one of the top business credit cards overall. Earn 3% cash back in the category of your choice (gas stations and EV charging stations is the default category). Earn 2% cash back on dining purchases. Earning in the 3% and 2% cash back categories is on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. Earn unlimited 1% cash back on all other purchases.$00% intro APR on purchases for the first nine billing cycles18.49% - 28.49% VariableEarn a $300 online statement creditExcellentThe no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is great for small-business owners who want to control how they earn rewards and maximize every dollar spent. The card has a solid welcome bonus, good redemption options, and a fair intro APR deal. But if you don't spend big in the select bonus categories, you should consider a different no-annual-fee business rewards card.There are plenty of no-annual-fee credit cards for small-business owners to pick from, but few allow cardholders to choose their highest earning category. With the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, you'll earn 3% cash back in an eligible bonus category of your choosing. So if you'd prefer more control over how you earn, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is definitely worth considering. The card earns rewards on all purchases (1%), with higher rates on select bonus categories like dining (2%) and the eligible category of your choosing (3%). You're allowed to switch categories up to once a month, which means if you plan ahead, you can customize your rates frequently to follow your company's highest spending categories. But keep in mind the higher cash-back rates only apply to the first $50,000 spent in combined purchases every calendar year (1% earned then after). So if your business easily exceeds that total, you might want to consider a different small-business credit card.The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card earns you a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. It also comes with a decent 0% intro APR offer on purchases (not balance transfers), standard redemption options, and travel insurance. That said, if your business is trying to consolidate credit card debt with a balance transfer to save on interest, this card won't be much help. If you're a Bank of America Preferred Rewards for Business program member, the card becomes a lot more compelling, because you can earn up to 75% more cash back on all purchases (still capped at the first $50,000). The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is great for businesses that want more control over their earnings, and who spend big in the card's select bonus categories. But if you don't often spend in those categories, or just don't want the hassle of manually shifting your selection every month, you should consider a different business rewards credit card. Another card to consider is the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® \n . It earns 5% cash back on travel purchased through the Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% on everything else.Most notably, the card has a super long intro APR on purchases and balance transfers (0% intro APR on purchases and balance transfers for 15 billing cycles, then a 19.24% - 28.24% Variable APR). So if your business is planning on paying off large purchases (like tech equipment, supplies, or travel expenses) over multiple billing cycles to avoid incurring interest — or you need to pay down credit card debt — you should consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® instead.The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card earns 3% cash back on the category of your choice (from six preselected options), and 2% cash back on dining purchases — but these rates only apply to the first $50,000 spent in combined purchases each calendar year (then 1% cash back). You earn unlimited 1% cash back on all other purchases. Cardholders can change their 3% cash back category up to once a month. You can earn 3% cash back in one of the six select categories: Bank of America Preferred Rewards for Business members earn up to 75% more cash back on all purchases. For example, members can earn up to 5.25% cash back in the category of their choosing, up to 3.5% on dining, and up to 1.75% on all other purchases. It should be noted that to qualify for a membership, your business has to have a least $20,000 in eligible accounts with Bank of America or Merrill (Bank of America's wealth management division) to qualify for the lowest tier (Gold tier). At any time, you can redeem rewards earned with the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card as either a statement credit, checks, a direct deposit into your Bank of America account, or credit to an eligible Merill investment account. Your rewards won't expire as long as your account remains open. If you lose your card or notice suspicious transactions on your account, you can file a claim to avoid being held liable for unauthorized purchases and transactions. You'll get access to a suite of online services to help you manage your business. Plus, access to automatic payments and transfers, and you can download transactions into Quickbooks. Your business will get access to additional benefits such as auto rental insurance, emergency ticket replacement, lost-luggage assistance, as well as legal and medical referrals while traveling. You can contact the 24/7 Benefit Administrator to get emergency and assistance resources in case of emergency while traveling. When you link your company's eligible Bank of America checking account to your company's credit card account, it allows Bank of America to automatically transfer funds from your account to cover any overdraft (as long as there are sufficient funds available). Other fees may still apply.When you purchase eligible items with your Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, you could be covered against certain losses, damage, theft, or fire. You may also be eligible for extended warranty coverage on qualified warranties.Bank of America will notify and block any potential fraudulent activity or abnormal patterns detected. The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has a 0% intro APR on purchases for the first nine billing cycles (then a 18.49% - 28.49% Variable APR). This deal only applies to new purchases, so it's not ideal for folks looking for deals on balance transfers. The card does charge a balance transfer fee, cash advance fee, and a penalty fee up to $49. It also adds foreign transaction fees, so it's not a good card option for international travel. The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is worth it for folks who want a cash-back business card with customizable rewards, and decent redemption options (no annual fee). It has a solid welcome bonus, a decent intro APR (only on purchases), and no foreign transaction fees. Plus, Preferred Rewards members can earn up to 75% more cash back on purchases. But if you want more reward opportunities, an intro APR on balance transfers, or more flexible redemption options, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card might not be the card for you. Moreover, there are other no-annual-fee business rewards cards on the market with similar rewards rates and benefits. So before applying for a credit card, make sure you've considered all your options. You need excellent credit to qualify for the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. A FICO score of at least 800 is considered excellent, or a VantageScore of at least 781.Your business needs at least a total of $20,000 in combined Bank of America or Merrill accounts to be eligible for the lowest Preferred Rewards tier. Members get access to additional rewards benefits and saving opportunities. Your rewards rates and benefits will vary based on your tier level. Preferred Rewards for Business tiers: We focused on the following factors when reviewing business credit cards: Here's Insider's guide to how we rate credit cards for more details about our methodology.","articleSection":"Personal Finance, Credit Cards, Small Business","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is the Business Advantage Customized Cash Rewards worth it?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is worth it for folks who want a cash-back business card with customizable rewards, and decent redemption options (no annual fee). It has a solid welcome bonus, a decent intro APR (only on purchases), and no foreign transaction fees. Plus, Preferred Rewards members can earn up to 75% more cash back on purchases. </p><p class=\"faq-answer\">But if you want more reward opportunities, an intro APR on balance transfers, or more flexible redemption options, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card might not be the card for you. Moreover, there are other no-annual-fee business rewards cards on the market with similar rewards rates and benefits. So before applying for a credit card, make sure you've considered all your options. </p>"}},{"@type":"Question","name":"What credit score do I need to qualify for the Business Advantage Customized Cash Rewards credit card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You need excellent credit to qualify for the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. A FICO score of at least 800 is considered excellent, or a VantageScore of at least 781.</p>"}},{"@type":"Question","name":"What are the Preferred Rewards for Business tiers?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Your business needs at least a total of $20,000 in combined Bank of America or Merrill accounts to be eligible for the lowest Preferred Rewards tier. Members get access to additional rewards benefits and saving opportunities. Your rewards rates and benefits will vary based on your tier level. </p><p class=\"faq-answer\"><strong>Preferred Rewards for Business tiers:</strong> </p><ul class=\"faq-answer\"><li>Gold tier: Earns 25% more rewards on purchases (a minimum of $20,000 on deposit)</li><li>Platinum tier: Earns 50% more rewards on purchases (a minimum of $50,000 on deposit)</li><li>Platinum honors tier: Earns 75% more rewards on purchase (a minimum of $100,000 on deposit)</li></ul>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card","image":"https://i.insider.com/6508a17ef05aa00019be882c?width=400","brand":"Bank of 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However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#review:-is-the-bank-of-america-business-advantage-customized-cash-rewards-card-for-you?" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Review: Is the Bank of America Business Advantage Customized Cash Rewards card for you? </a> </li> <li> <a href="#how-to-earn-rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to earn rewards </a> </li> <li> <a href="#how-to-use-rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to use rewards </a> </li> <li> <a href="#benefits-and-features" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits and features </a> </li> <li> <a href="#frequently-asked-questions-(faq)" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Frequently asked questions (FAQ) </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="All information about the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected independently by Business Insider and has not been reviewed by the issuer of this product." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> is great for small-business owners who want to control how they earn rewards and maximize every dollar spent.</p><p>The card has a solid welcome bonus, good redemption options, and a fair intro APR deal, which makes it one of the best <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-bank-of-america-business-credit-cards" data-analytics-product-module="body_link" rel="">Bank of America business credit cards</a>. But if you don't spend big in the select bonus categories, you should consider one of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-analytics-product-module="body_link" rel="">top business credit cards</a> overall. </p> <div id="bank-of-america®-business-advantage-customized-cash-rewards-mastercard®-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6508a17ef05aa00019be882c?width=400" alt="Bank of America Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card"> <noscript> <img class="no-script" src="https://i.insider.com/6508a17ef05aa00019be882c?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="62a0e3c9c083ec001286fb26-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1980544251320373"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1980544251320373)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.04763736280212494"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.04763736280212494)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1261102104519618"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1261102104519618)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3693726598104854"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3693726598104854)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.2793469695689186"> <stop stop-color="#faa809" offset="5%"></stop> <stop stop-color="white" offset="5%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.2793469695689186)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.05<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 3% cash back in the category of your choice (gas stations is the default category). Earn 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year. Earn unlimited 1% cash back on all other purchases.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 3% cash back in the category of your choice (gas stations and EV charging stations is the default category). Earn 2% cash back on dining purchases. Earning in the 3% and 2% cash back categories is on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. Earn unlimited 1% cash back on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR on purchases for the first nine billing cycles</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">18.49% - 28.49% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">$300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn a $300 online statement credit</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="62a0e3c9c083ec001286fb26" data-analytics-product-brand="Bank of America" data-analytics-product-name="Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Good welcome bonus for a no-annual-fee business card</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Cardholders can choose their own 3% cash-back category from a list</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Bank of America Preferred Rewards for Business customers can earn up to 75% more rewards</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>3% and 2% cash back categories are capped at $50,000 in combined purchases per year (then 1%)</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Card only earns 1% back in non-bonus categories</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Foreign transaction fees</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is great for small-business owners who want to control how they earn rewards and maximize every dollar spent. The card has a solid welcome bonus, good redemption options, and a fair intro APR deal. But if you don't spend big in the select bonus categories, you should consider a different no-annual-fee business rewards card.</p> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="62a0e3c9c083ec001286fb26" data-analytics-product-brand="Bank of America" data-analytics-product-name="Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="review:-is-the-bank-of-america-business-advantage-customized-cash-rewards-card-for-you?" data-toc-id="4c1a8be9-dc30-47bf-9d8e-37a51d7f7a76" data-toc-label="Review: Is the Bank of America Business Advantage Customized Cash Rewards card for you?" class="toc-anchor">Bank of America Business Advantage Customized Cash Rewards card Details</h2><p id="404439ed-d691-4881-b03a-941af865e555" data-toc-label="Review: Is the Bank of America Business Advantage Customized Cash Rewards card for you?">There are plenty of <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-no-annual-fee-business-credit-cards" data-analytics-product-module="body_link" rel="">no-annual-fee credit cards for small-business owners</a> to pick from, but few allow cardholders to choose their highest earning category. With the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, you'll earn 3% cash back in an eligible bonus category of your choosing. So if you'd prefer more control over how you earn, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is definitely worth considering. </p><p>The card earns rewards on all purchases (1%), with higher rates on select bonus categories like dining (2%) and the eligible category of your choosing (3%). You're allowed to switch categories up to once a month, which means if you plan ahead, you can customize your rates frequently to follow your company's highest spending categories. </p><p>But keep in mind the higher cash-back rates only apply to the first $50,000 spent in combined purchases every calendar year (1% earned then after). So if your business easily exceeds that total, you might want to consider a different small-business credit card.</p><p>The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card earns you a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.  It also comes with a decent 0% intro APR offer on purchases (not balance transfers), standard redemption options, and travel insurance. That said, if your business is trying to consolidate credit card debt with a balance transfer to save on interest, this card won't be much help. </p><p>If you're a Bank of America Preferred Rewards for Business program member, the card becomes a lot more compelling, because you can earn up to 75% more cash back on all purchases (still capped at the first $50,000). </p><p>The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is great for businesses that want more control over their earnings, and who spend big in the card's select bonus categories. But if you don't often spend in those categories, or just don't want the hassle of manually shifting your selection every month, you should consider a different <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-business-cards" data-analytics-product-module="body_link" rel="">business rewards credit card</a>. </p><p>Another card to consider is the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> . It earns 5% cash back on travel purchased through the Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% on everything else.</p><p>Most notably, the card has a super long intro APR on purchases and balance transfers (0% intro APR on purchases and balance transfers for 15 billing cycles, then a 19.24% - 28.24% Variable APR). So if your business is planning on paying off large purchases (like tech equipment, supplies, or travel expenses) over multiple billing cycles to avoid incurring interest — or you need to pay down credit card debt — you should consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® instead.</p><h2 id="how-to-earn-rewards" data-toc-id="ef1bc81c-d3e1-40b0-81d6-123cbc063675" data-toc-label="How to earn rewards" class="toc-anchor">How to earn cash back with the Business Advantage Customized Cash Rewards</h2><p>The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card earns 3% cash back on the category of your choice (from six preselected options), and 2% cash back on dining purchases — but these rates only apply to the first $50,000 spent in combined purchases each calendar year (then 1% cash back). You earn unlimited 1% cash back on all other purchases. </p><p>Cardholders can change their 3% cash back category up to once a month. You can earn 3% cash back in one of the six select categories: </p><ul><li><strong>Gas stations</strong> (default): Gasoline purchases in merchant categories including automated fuel dispensers and service stations (gasoline purchases at boat marinas or businesses that primarily sell heating oil propane and other fuel don't count)</li><li><strong>Office supply stores:</strong> Office supplies like stationery, printing, and writing paper from office supply stores (doesn't include drugstores  or merchants who sell high-priced office equipment like computers)</li><li><strong>Travel</strong>: Parking, public transit, taxis/rideshare, airfare, hotels, and car rentals</li><li><strong>TV, telecom, and wireless</strong>: Monthly cable, satellite, mobile phone, and online music services, radio, telegraph services, and telecommunication services</li><li><strong>Computer services</strong>: New or ongoing computer-related expenses, such as peripheral equipment, software, network and cloud services, programming, data processing services, and maintenance and repair services </li><li><strong>Business consulting services</strong>: Consulting, public relations, legal, accounting, tax preparation, and general and professional consulting services</li></ul><p>Bank of America Preferred Rewards for Business members earn up to 75% more cash back on all purchases. For example, members can earn up to 5.25% cash back in the category of their choosing, up to 3.5% on dining, and up to 1.75% on all other purchases. It should be noted that to qualify for a membership, your business has to have a least $20,000 in eligible accounts with Bank of America or Merrill (Bank of America's wealth management division) to qualify for the lowest tier (Gold tier). </p><h2 id="how-to-use-rewards" data-toc-id="21092adf-2566-401f-880e-7586cb9e6228" data-toc-label="How to use rewards" class="toc-anchor">How to use rewards earned with the BofA Business Advantage Customized Cash Rewards credit card</h2><p>At any time, you can redeem rewards earned with the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card as either a statement credit, checks, a direct deposit into your Bank of America account, or credit to an eligible Merill investment account. Your rewards won't expire as long as your account remains open. </p><h2 id="benefits-and-features" data-toc-id="a7109b37-4f42-435f-82c9-51915e572ec7" data-toc-label="Benefits and features" class="toc-anchor">Bank of America Business Advantage Customized Cash Rewards benefits and features</h2><h3 id="8f194c25-a2a6-4db6-8387-c94194716e67" data-toc-id="8f194c25-a2a6-4db6-8387-c94194716e67">$0 liability protection</h3><p>If you lose your card or notice suspicious transactions on your account, you can file a claim to avoid being held liable for unauthorized purchases and transactions. </p><h3 id="e33f2a7e-c04a-495e-988d-34977da7f882" data-toc-id="e33f2a7e-c04a-495e-988d-34977da7f882">Cash flow management tools</h3><p>You'll get access to a suite of online services to help you manage your business. Plus, access to automatic payments and transfers, and you can download transactions into Quickbooks. </p><h3 id="23960712-8b2f-45ba-8c5d-959f61cd31f8" data-toc-id="23960712-8b2f-45ba-8c5d-959f61cd31f8">Travel and emergency services</h3><p>Your business will get access to additional benefits such as auto rental insurance, emergency ticket replacement, lost-luggage assistance, as well as legal and medical referrals while traveling. </p><h3 id="053b9a80-2998-478d-b178-a50609542300" data-toc-id="053b9a80-2998-478d-b178-a50609542300">Auto rental insurance</h3><p>You can contact the 24/7 Benefit Administrator to get emergency and assistance resources in case of emergency while traveling. </p><h3 id="43bf9b72-1428-4045-9b83-ff7a9b3a4412" data-toc-id="43bf9b72-1428-4045-9b83-ff7a9b3a4412">Overdraft protection</h3><p>When you link your company's eligible Bank of America checking account to your company's credit card account, it allows Bank of America to automatically transfer funds from your account to cover any overdraft (as long as there are sufficient funds available). Other fees may still apply.</p><h3 id="c38de129-3598-4602-a7e6-311c2ff39378" data-toc-id="c38de129-3598-4602-a7e6-311c2ff39378">Purchase protection and extended warranty</h3><p>When you purchase eligible items with your Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, you could be covered against certain losses, damage, theft, or fire. You may also be eligible for extended warranty coverage on qualified warranties.</p><h3 id="11f06e03-0266-4d8a-bc28-072592613109" data-toc-id="11f06e03-0266-4d8a-bc28-072592613109">Fraud monitoring</h3><p>Bank of America will notify and block any potential fraudulent activity or abnormal patterns detected. </p><h2 id="3a49b719-413c-4586-b9a9-ee276178ffc4" data-toc-id="3a49b719-413c-4586-b9a9-ee276178ffc4">Fees and costs</h2><p>The no-annual-fee Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has a 0% intro APR on purchases for the first nine billing cycles (then a 18.49% - 28.49% Variable APR). This deal only applies to new purchases, so it's not ideal for folks looking for deals on balance transfers. </p><p>The card does charge a balance transfer fee, cash advance fee, and a penalty fee up to $49. It also adds foreign transaction fees, so it's not a good card option for international travel. </p><h2 id="frequently-asked-questions-(faq)" data-toc-id="62b85f47-4643-4f2b-99df-75dee74271ac" data-toc-label="Frequently asked questions (FAQ)" class="toc-anchor">Bank of America Business Advantage Customized Cash Rewards frequently asked questions (FAQ)</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Business Advantage Customized Cash Rewards worth it?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is worth it for folks who want a cash-back business card with customizable rewards, and decent redemption options (no annual fee). It has a solid welcome bonus, a decent intro APR (only on purchases), and no foreign transaction fees. Plus, Preferred Rewards members can earn up to 75% more cash back on purchases. </p> <p class="faq-answer">But if you want more reward opportunities, an intro APR on balance transfers, or more flexible redemption options, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card might not be the card for you. Moreover, there are other no-annual-fee business rewards cards on the market with similar rewards rates and benefits. So before applying for a credit card, make sure you've considered all your options. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score do I need to qualify for the Business Advantage Customized Cash Rewards credit card?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You need excellent credit to qualify for the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. A FICO score of at least 800 is considered excellent, or a VantageScore of at least 781.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the Preferred Rewards for Business tiers?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Your business needs at least a total of $20,000 in combined Bank of America or Merrill accounts to be eligible for the lowest Preferred Rewards tier. Members get access to additional rewards benefits and saving opportunities. Your rewards rates and benefits will vary based on your tier level. </p> <p class="faq-answer"><strong>Preferred Rewards for Business tiers:</strong> </p> <ul class="faq-answer"><li>Gold tier: Earns 25% more rewards on purchases (a minimum of $20,000 on deposit)</li><li>Platinum tier: Earns 50% more rewards on purchases (a minimum of $50,000 on deposit)</li><li>Platinum honors tier: Earns 75% more rewards on purchase (a minimum of $100,000 on deposit)</li></ul> </div> </div> </div><h2 id="832eb816-537e-4a3f-b585-16f90a3866a7" data-toc-id="832eb816-537e-4a3f-b585-16f90a3866a7" data-toc-label="Why You Should Trust Us">Why You Should Trust Us</h2><p>We focused on the following factors when reviewing business credit cards: </p><ul><li><strong>Ease of use —</strong> Does the card have a rewards program and benefits that are easy to use and navigate? Is it easy to redeem rewards?</li><li><strong>Rewards earning —</strong> If there's a welcome bonus, is it competitive with other cards? Are there ongoing bonus categories, and are any capped at a maximum spending amount?</li><li><strong>Benefits —</strong> Are the card's benefits useful, especially to business owners, and do they justify the card's annual fee if there is one? </li><li><strong>Annual fee —</strong> If the card has an annual fee, is it offset by the value of the rewards and perks it offers? </li></ul><p>Here's Insider's guide to <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">how we rate credit cards</a> for more details about our methodology.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/bank-of-america-business-advantage-customized-cash-rewards-credit-card-review-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="tessa-campbell"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" alt="Tessa Campbell"> <noscript> <img class="no-script" src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Tessa Campbell</div> </a> <div class="post-author_title headline-regular">Investing and Retirement Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Tessa Campbell is an investing and retirement reporter on Business Insider’s personal finance desk. Over two years of personal finance reporting, Tessa has built expertise on a range of financial topics, from the best credit cards to the best retirement savings accounts.</span>Experience<span>Tessa currently reports on all things investing — deep-diving into complex financial topics,  shedding light on lesser-known investment avenues, and uncovering ways readers can work the system to their advantage.</span><span></span><span>As a personal finance expert in her 20s, Tessa is acutely aware of the impacts time and uncertainty have on your investment decisions. While she curates Business Insider’s guide on the best investment apps, she believes that your financial portfolio does not have to be perfect, it just has to exist. A small investment is better than nothing, and the mistakes you make along the way are a necessary part of the learning process.</span>Expertise: <span>Tessa’s expertise includes:</span><ul><li><span>Credit cards</span></li><li><span>Investing apps</span></li><li><span>Retirement savings</span></li><li><span>Cryptocurrency</span></li><li><span>The stock market</span></li><li><span>Retail investing</span></li></ul>Education: <span>Tessa graduated from Susquehanna University with a creative writing degree and a psychology minor.</span><span>When she’s not digging into a financial topic, you’ll find Tessa waist-deep in her second cup of coffee. She currently drinks Kitty Town coffee, which blends her love of coffee with her love for her two cats: Keekee and Dumpling. It was a targeted advertisement, and it worked.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img class="no-script" src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance and Operations Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Angela Fung is the marketing compliance and operations manager for Business Insider’s personal finance team. She is a personal finance expert and has been a part of Business Insider for nearly four years. </span><span><span class="headline-semibold">Experience</span></span><span>Angela leads the compliance team in identifying and reducing risk for readers, the editorial team, and external partners. Her team aims to provide readers with accurate, up-to-date information about financial products and maintain reader trust. She ensures regulatory and partner marketing guidelines are upheld for partners and adheres to the personal finance team’s <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" rel="">editorial standards</a> so they can maintain editorial independence. </span><span>Angela likes helping readers better understand personal finance so that they can build a strong foundation for their financial plan and, hopefully, give themselves the freedom to do more in other facets of their lives.</span><span><span class="headline-semibold">Expertise</span></span><span>Angela has expertise in and oversees compliance in the following areas of personal finance:</span><ul><li><span>Personal credit cards</span></li><li><span>Business credit cards</span></li><li><span>High-yield savings accounts</span></li><li><span>CDs</span></li></ul><span>She also has a thorough knowledge of federal regulation for consumer financial protection. A few examples include:</span><ul><li><span>Regulation Z, Truth in Lending</span></li><li><span>Unfair, Deceptive, Or Abusive Acts Or Practices (UDAAP)</span></li><li><span>Regulation N, Mortgage Acts and Practices Advertising Rule</span></li><li><span>Endorsement Guidelines</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Angela graduated from the University of Chicago with a bachelor’s degree in neuroscience. </span><span>In her free time, she shoots lifestyle photography, volunteers at Meals for Unity, and plays tennis.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img class="no-script" src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.50% APY by depositing $250 per month with no monthly service fee <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.50% APY when you deposit at least $250 per month, earn 3.50% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <aside class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. The details for these products have not been reviewed or provided by the issuer.</aside> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of the US Bank Triple Cash Rewards Card, please click <a href="https://oc.brcclx.com/t/?lid=26680835&cr=29964&last_updated=1627416284" target="_blank" rel="nofollow" >here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section></div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! </div> <div class="success-sub-message headline-semibold">Look out for your first newsletter with today's big story in your inbox soon.</div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold blue-button download" type="blue" > Download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold blue-button inline-newsletter-submit" type="blue" > Sign up </button> </div> </div> <div class="mobile-error-msg error-msg hidden headline-regular"></div> <div class="desktop-error-msg error-msg hidden headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you agree to receive emails from Business Insider. 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