Bank of America® Business Advantage Customized Cash Rewards Mastercard® vs Ink Business Cash® Credit Card

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

Bank of America

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Ink Business Cash® Credit CardInk Business Cash® Credit Card

Chase

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Business
Business
Rewards Currency
Cash Back
Chase Ultimate Rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $1,000 in 90 days
75,000 Chase Ultimate Rewards after $6,000 in 180 days

Effective return by category

CategoryBank of America® Business Advantage Customized Cash Rewards Mastercard®Ink Business Cash® Credit Card
Office Supplies3.00%
3x · Capped Spending · $50,000 cap
5.00%
5x · Capped Spending · $25,000 cap
Phone & Wireless3.00%
3x · Capped Spending · $50,000 cap
5.00%
5x · Capped Spending · $25,000 cap
Internet & Cable1.00%
1x
5.00%
5x · Capped Spending · $25,000 cap
Gas Stations3.00%
3x · Capped Spending · $50,000 cap
2.00%
2x · Capped Spending · $25,000 cap
Business Services3.00%
3x · Capped Spending · $50,000 cap
1.00%
1x
EV Charging3.00%
3x · Capped Spending · $50,000 cap
1.00%
1x
Travel3.00%
3x · Capped Spending · $50,000 cap
1.00%
1x
Dining & Restaurants2.00%
2x · Capped Spending · $50,000 cap
2.00%
2x · Capped Spending · $25,000 cap
Everything else1.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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