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

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
$300Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Reward Rates
3%Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
2%Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
1%Earn 1% cash back on all other purchases.
Balance Transfers Intro APR
N/A
Purchases Intro APR
0% Intro APR for 9 billing cycles for purchases
Regular APR
17.99% - 27.99% Variable APR on purchases and balance transfers
Annual Fee
$0

Great for:

Rewards on dining and more. With no annual fee, this card’s greatest asset is the 3% cash back on your chosen category, as well as 2% cash back on dining (on the first $50,000 in combined choice category/dining purchases each calendar year, then 1%).

See more of the best business credit cards.

Highlights

  • Get a $300 online statement credit after you make at least $3,000 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 on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 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 Preferred Rewards for Business Platinum Honors 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 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 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.99% to 27.99% 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.

Features

  • Business
    Business
  • Cash Back
    Cash Back
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Extended Warranty Program
    Extended Warranty Program
  • Gas
    Gas
  • Lost Luggage Reimbursement
    Lost Luggage Reimbursement
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Annual Fee
    No Annual Fee
  • Price Protection
    Price Protection
  • Purchase Protection
    Purchase Protection
  • Rewards
    Rewards
  • Roadside Assistance
    Roadside Assistance
  • Travel
    Travel
  • Travel Accident Insurance
    Travel Accident Insurance
  • Unsecured credit card
    Unsecured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

3.9 out of 5

Our take: This is a good pick for business cardholders who are often on the road, offering a generous cash back rate in a category of your choice, as well as on dining purchases.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.