Bank of America® Business Advantage Customized Cash Rewards Mastercard® vs U.S. Bank Business Essentials Plus Visa Signature
Effective return by category
| Category | Bank of America® Business Advantage Customized Cash Rewards Mastercard® | U.S. Bank Business Essentials Plus Visa Signature |
|---|---|---|
| Office Supplies | 3.00% 3x · Capped Spending · $50,000 cap | 5.00% 5x · Capped Spending · $200,000 cap |
| Phone & Wireless | 3.00% 3x · Capped Spending · $50,000 cap | 5.00% 5x · Capped Spending · $200,000 cap |
| Business Services | 3.00% 3x · Capped Spending · $50,000 cap | 5.00% 5x · Capped Spending · $200,000 cap |
| Dining & Restaurants | 2.00% 2x · Capped Spending · $50,000 cap | 5.00% 5x · Capped Spending · $200,000 cap |
| Airfare | 1.00% 1x | 5.00% 5x · Capped Spending · $200,000 cap |
| Entertainment | 1.00% 1x | 5.00% 5x · Capped Spending · $200,000 cap |
| Shipping | 1.00% 1x | 5.00% 5x · Capped Spending · $200,000 cap |
| Utilities | 1.00% 1x | 5.00% 5x · Capped Spending · $200,000 cap |
| Gas Stations | 3.00% 3x · Capped Spending · $50,000 cap | 2.00% 2x |
| EV Charging | 3.00% 3x · Capped Spending · $50,000 cap | 2.00% 2x |
| Travel | 3.00% 3x · Capped Spending · $50,000 cap | 2.00% 2x |
| Everything else | 1.00% 1x | 2.00% 2x |
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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