4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $0
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Bank of America · rewards
Bank of America Business Advantage Customized Cash Rewards Mastercard
4.1 / 5
Cash back · Business card
Picking your own 3% category is genuinely useful for a small business with one dominant expense line, and the $50,000 combined annual cap is generous enough that most small businesses won't hit it.
At a glance
- Welcome bonus
- $500 cash
- Spend $5,000 in 3 months
- Annual fee
- $0
- Purchase APR
- 16.74% to 26.74%
- Intro: 0% for 9 months
- FX fee
- 3%
- BT intro: 0% for 9 months
Editorial
Our take
Picking your own 3% category is genuinely useful for a small business with one dominant expense line, and the $50,000 combined annual cap is generous enough that most small businesses won't hit it.
Verdict
Pros & cons
Pros
- Choose your own 3% cash back category from 6 options
- 2% on dining with no separate cap
- $500 bonus after $5,000 spend in 90 days
- No annual fee, 0% intro APR for 9 billing cycles
Cons
- 3% and 2% rates drop to 1% after a combined $50,000 in annual spend
- 3% foreign transaction fee
- Only one choice category at a time
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Choice category | 3% | 1 of 6 categories: gas, office supply, travel, telecom/wireless, computer services, or business consulting. Shares a combined $50,000/yr cap with the dining rate, then 1%·cap $50,000 |
| Dining | 2% | Shares the same combined $50,000/yr cap with the choice category, then 1%·cap $50,000 |
| All other purchases | 1% |
Benefits
Key benefits
Choose Your 3% Category
Pick 1 of 6 categories, including gas, office supply, and travel, to earn 3% cash back on.
$500 Welcome Bonus
Earn a $500 cash rewards bonus after spending $5,000 in the first 90 days.
0% Intro APR
Pay 0% APR on purchases for the first 9 billing cycles.
No Annual Fee
This card carries no annual fee.
Fit
Who this is best for
- Small businesses with one dominant spending category
- Owners who want to choose between gas, office supply, or travel
- Businesses that also spend heavily on dining
FAQ
Frequently asked questions
What is the BofA Biz Customized Cash welcome bonus?
Earn a $500 cash rewards bonus after spending $5,000 in purchases within the first 90 days of account opening (an elevated offer, up from the card's standard $300/$3,000 terms, with no published end date).
Does the BofA Biz Customized Cash charge an annual fee?
No. The BofA Biz Customized Cash has a $0 annual fee.
Does the BofA Biz Customized Cash have a foreign transaction fee?
Yes. The BofA Biz Customized Cash charges a 3% foreign transaction fee on purchases made outside the US.
Does the BofA Biz Customized Cash offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 9 months on purchases. The ongoing purchase APR is 16.74% to 26.74% variable.
Who is the BofA Biz Customized Cash best for?
Small businesses with one dominant spending category. Owners who want to choose between gas, office supply, or travel. Businesses that also spend heavily on dining.
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Apply
Bank of America Business Advantage Customized Cash Rewards Mastercard
Spend $5,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.