Bank of America
Business Advantage Customized Cash Rewards
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Card review
Business Advantage Customized Cash Rewards
Bank of America
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$292/yr
Credit score
Varies
Top earn rate
3x gas
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Business Advantage Customized Cash Rewards from Bank of America carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $291.60 in rewards plus $0.00 in credits and perks — $291.60 net per year before welcome bonuses.
How the points work
Earn 3% cash back on your choice of one of the following six categories:
- gas stations (default)
- office supply stores
- travel
- TV/telecom & wireless
- computer services
- business consulting services
Earn 2% on dining
3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter
Earn 1% on everything else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| GasGas | 3× |
| Everything elseAll Purchases | 1× |
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Emirates Skywards1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.