American Express® Business Gold Card vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
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
Bank of America® Customized Cash Rewards wins on more measurable categories — particularly annual cost. American Express® Business Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Business
Bank of America®
Annual Fee
$375/yr
$0 Best
Sign-up Bonus
100,000 points
$200
Rewards Rate
1x-4x
1%-3%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 billing cycles
Regular APR
19.49%-27.49% Variable
19.24%-29.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
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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