Advertiser & Editorial Disclosure

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

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire. Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter. 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 14.49% to 24.49% will apply. Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% 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. 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.

Nav's Verdict

Cost
30% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
50% Complete
PoorGood
Features
40% Complete
PoorGood

7/10

Bottom Line

You're in charge of selecting how you earn 3% cash back — choose the category you spend the most and get rewarded with this no annual fee card.

Pros

0% Intro APR offer. No annual fee. Generous rewards structure.

Cons

Rewards cap on dining

Rates and Fees
Intro APR
0% for 9 billing cycles on purchases
Purchase APR
14.49% - 24.49% Variable APR on purchases
Annual Fee
$0.00
Welcome Offer
$300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Rewards Rate
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% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
Foreign Transaction Fee
3% of the U.S. dollar amount of each transaction

Reviews

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