Bank of America · business · mastercard
Business Advantage Customized Cash Rewards
Pick your own 3% business category — and with Platinum Honors it becomes 5.25%, among the highest sustained category rates anywhere. The $50k/year cap is generous for a small business; the BofA relationship is what turns this from decent into exceptional.
Current public offer
$500 cash rewards bonus after $5,000 spend in 3 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 7 billing cycles on purchases, then 16.74%–26.74% variable
- Suggested credit: Good / Excellent
Earning
- 3% in the category of your choice (changeable monthly); up to 5.25% with Preferred Rewards for Business Platinum Honors; $50,000/year combined cap with dining, then 1%
- 2% dining (up to 3.5% with Platinum Honors); shares the $50,000/year cap
- 1% (up to 1.75% with Platinum Honors)
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.