--- title: "Bank of America Business Advantage Customized Cash Rewards Card: 3% Back on the Category You Pick" description: "The no-annual-fee business Mastercard lets you choose your 3% category, and a Preferred Rewards boost can lift the top rate to 5.25%." url: https://travel.skoop.news/whats-the-best-business-credit-card-for-dining-purchases-4140b8/ published: 2026-11-05T04:11:14.121872-05:00 modified: 2026-11-05T04:11:14.121884-05:00 section: "Travel" publisher: "skoop.news" language: en keywords: ["Preferred Rewards", "Bank of America", "Bank of America Business Advantage Customized Cash Rewards Mastercard", "Business Advantage", "Mobile Banking", "Platinum Honors", "APR", "Excellent", "travel", "points"] hashtags: ["#PreferredRewards", "#BankOfAmerica", "#Travel", "#travelnews"] image: https://thumb.wikimedia.org/wikipedia/commons/thumb/e/ea/Perth_Airport_Terminal_2%2C_April_2020_01.jpg/1280px-Perth_Airport_Terminal_2%2C_April_2020_01.jpg?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail --- # Bank of America Business Advantage Customized Cash Rewards Card: 3% Back on the Category You Pick > The no-annual-fee business Mastercard lets you choose your 3% category, and a Preferred Rewards boost can lift the top rate to 5.25%. Published 2026-11-05 · Updated 2026-11-05 · Travel, [skoop.news](https://skoop.news/) ## In brief - The Bank of America Business Advantage Customized Cash Rewards Mastercard pays 3% cash back in the category the cardholder chooses. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) - You can choose gas stations & EV charging stations, office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services as your 3% category. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) - Dining purchases earn 2% cash back. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) ## The 3% choice category The Bank of America Business Advantage Customized Cash Rewards Mastercard pays 3% cash back in the category the cardholder chooses. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) The 3% rate applies to the first $50,000 in combined choice category and dining purchases each calendar year, and 1% after that. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) The card has no annual fee. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) This piece covers how the card earns, what the Preferred Rewards boost adds, and what to check before you apply. ## Categories and how to switch You can choose gas stations & EV charging stations, office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services as your 3% category. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) Gas stations & EV charging stations is the default. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) You can change the category once each calendar month, or leave it alone and it stays the same. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) To change it, you must use the Mobile Banking app or Business Advantage 360. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) ## Dining and everyday earnings Dining purchases earn 2% cash back. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) They count toward the same first $50,000 combined choice category and dining limit each calendar year, then earn 1%. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) Everything else earns unlimited 1% cash back. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) Client dinners, catered lunches and team celebrations can add up quickly in business spending. [[2]](https://thepointsguy.com/credit-cards/best-business-credit-card-for-dining/) ## The Preferred Rewards boost Preferred Rewards for Business members can earn a boost that lifts the card's rate as high as 5.25%. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) You need a business checking account with Bank of America and must qualify for the highest Preferred Rewards for Business tier. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) At that tier, the card could earn up to 5.25% in your selected category and up to 3.5% on dining purchases, on the first $50,000 in combined purchases each calendar year. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) It could also earn up to an unlimited 1.75% on all other purchases. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) The 75% cash back boost requires the Platinum Honors tier. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) The Gold tier earns 25% more cash back and the Platinum tier earns 50% more. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) ## Welcome offer, APR and rewards New accounts can get a $500 online cash rewards bonus after at least $5,000 in purchases in the first 90 days of account opening. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) The card also has a 0% introductory APR on purchases for the first 7 billing cycles. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) After the introductory period ends, a variable APR currently between 16.99% and 26.99% applies. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) You can redeem cash rewards as a deposit into an eligible Bank of America checking or savings account, as a card statement credit, or as a mailed check. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) Rewards do not expire as long as the account remains open. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) ## What this means for you The recommended credit score for the card's offer is in the Excellent range (740-850). [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) The welcome bonus asks for $5,000 in purchases within 90 days. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) Business credit cards can provide significant value on dining expenses through points, miles or cash back. [[2]](https://thepointsguy.com/credit-cards/best-business-credit-card-for-dining/) Spending caps, annual fees and how merchants code purchases can affect the rewards you actually earn. [[2]](https://thepointsguy.com/credit-cards/best-business-credit-card-for-dining/) Here the cap is $50,000 in combined choice category and dining purchases, and the annual fee is none. [[1]](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) Cards with the highest dining returns often require restaurant purchases to be among your top spending categories each cycle. [[2]](https://thepointsguy.com/credit-cards/best-business-credit-card-for-dining/) Secondary benefits such as travel protections or insurance may add value beyond dining rewards. [[2]](https://thepointsguy.com/credit-cards/best-business-credit-card-for-dining/) The best card choice depends on your business's dining spend, preferred rewards type and willingness to pay an annual fee. [[2]](https://thepointsguy.com/credit-cards/best-business-credit-card-for-dining/) ## Sources 1. [Earn up to 5.25% Cash Back in a Choice Category: The Best Business Credit Cards This Week, Oct. 25, 2026](https://www.fool.com/money/credit-cards/articles/the-best-business-cards-this-week-oct-25-2026/) — The Motley Fool 2. [What’s the best business credit card for dining purchases?](https://thepointsguy.com/credit-cards/best-business-credit-card-for-dining/) — The Points Guy Image: Photo (illustrative): Calistemon / Wikimedia Commons, CC BY-SA 4.0 (https://commons.wikimedia.org/wiki/File:Perth_Airport_Terminal_2,_April_2020_01.jpg) --- Written from the sources above and checked twice (rules and an independent model) before publishing. 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