ToolsCard ScoresBusiness Advantage Customized Cash Rewards
Is the BofA Business Customized Cash worth it?
MoneyRoom Card Score
8.2/ 10
Same verdict as the personal version, for a business: the category you choose has a condition and isn't counted, the fixed 2% on dining and the base rate make the score, and the Preferred Rewards for Business boost is why companies that bank with Bank of America hold it anyway.
Data: MoneyRoom card catalog (details pending verification are flagged) · scores update daily · catalog data as of 2026-04-30 · How we verify
It's the personal Customized Cash with the fixed rate moved to dining: 2% at restaurants is guaranteed, the business category you choose (gas, office supplies and the rest of the list) is a choice, so it counts at the base rate, and overall it works out to about 1.2% back. Perfect value and effort scores bring the overall score to 8.2.
This version is really for companies that already bank with Bank of America: Preferred Rewards for Business multiplies every reward here based on your balances, and a business that sets its choice to its biggest expense and leaves it gets that rate as reliably as a fixed one. We count the guaranteed part; the page tells you where the rest comes from.
Credits vs. fee
No annual fee to cover.
Typical value applies our published discounts for what makes credits easy to miss: deadlines, limits on where you can use them, enrollment (switching a credit on once), and waiting to be paid back.
This card has no recurring statement credits. There's nothing to enroll in, track, or lose — the list is empty by design.
The fine print that matters
Why is typical value less than face value?
Three practical notes. The chosen category has the same quarterly cap, then the base rate, as the personal card (businesses that spend a lot hit it faster). You can change the choice monthly, and most businesses should make exactly one choice — their largest recurring expense. And the boost applies automatically once business balances qualify. Employee cards count toward the same categories, which adds to both the chosen rate's value and how fast you hit the cap.
Earning
What does everyday spending actually earn?
Rewards come as cash back, worth exactly what it says. On our published mix of everyday spending, that works out to 1.2% back.
| Category | Rate | After spending caps | Note |
|---|---|---|---|
| Dining | 2% | 2.00% | |
| Groceries | 1% | 1.00% | Base rate |
| Gas | 1% | 1.00% | Has conditions — counted at the base rate |
| Flights booked direct | 1% | 1.00% | Has conditions — counted at the base rate |
| Hotels booked direct | 1% | 1.00% | Has conditions — counted at the base rate |
| Everything else | 1% | 1.00% |
Not in the score
What does the score leave out?
- The business category you choose. A business that sets its choice to gas or office supplies and leaves it collects the top rate reliably — a condition to our score, but close to fixed in practice.
- Preferred Rewards for Business. The balance-based boost that changes the whole card's math for companies that bank with Bank of America; it depends on that relationship, so it's listed, never counted.
- The welcome offer. One-time, left out as everywhere.
Listed on the card, never priced:
- Preferred Rewards for Business boost
Your own numbers
See if it pays for itself for you.
The score assumes a typical cardholder. The free Annual Fee Calculator loads this card's real credits and fee and lets you enter what you'd actually use — no account needed.
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Questions
Common questions before you apply.
How does it differ from the consumer Customized Cash?
The fixed rate is on dining instead of groceries, the categories you can choose are business ones, and the boost comes through the business Preferred Rewards program — the same score of 8.2, for the same reasons about conditions.
What's the guaranteed earning?
2% on dining, plus the base rate — about 1.2% back on a household's typical spending, which, as usual, understates a business whose spending is mostly in its chosen category.
Who should actually hold it?
A business that banks with Bank of America and has one big expense in the categories you can choose. Without the boost or a steady choice, a flat-rate business card is simpler and earns about the same.