American Express Blue Business Cash Card vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express Blue Business Cash Card
American Express
4.7
Simple 2% cash back on all purchases up to $50k/year. No annual fee.
Full review →
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →WealthSpott Verdict
American Express Blue Business Cash Card wins on more measurable categories — particularly annual cost. Bank of America® Customized Cash Rewards may still win for your wallet depending on how you spend.
Feature
American Express Blue
Bank of America®
Annual Fee
$0
$0
Sign-up Bonus
$250 statement credit after $3k spend in 3 months
$200
Rewards Rate
2% on first $50k then 1%
1%-3%
Rewards Type
Cash Back
Cash Back
0% Intro APR
None
0% for 15 billing cycles
Regular APR
18.49%-26.49% Best
19.24%-29.24% Variable
Foreign Transaction Fee
—
Yes
Recommended Credit Score
670+
670-850
American Express Blue Business Cash Card
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
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