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CardCurator — Rewards Intelligence
Quick Answer

The The Business Platinum Card from American Express edges out the Bank of America Customized Cash Rewards for most cardholders — it wins on 3 of 4 comparison categories and offers 300,000 pts signup bonus earns more (up to 5x vs 3x). The Bank of America Customized Cash Rewards is the better choice if you want no or lower annual fee.

Card Comparison

Bank of America Customized Cash Rewards vs The Business Platinum Card from American Express

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Customized Cash Rewards card art
Bank of America Cash Rewards
Bank of America Customized Cash Rewards
Bank of America
More Info
The Business Platinum Card from American Express card art
American Express Membership Rewards
The Business Platinum Card from American Express
American Express
More Info
Annual Fee
No annual fee
$895/yr
Foreign Fees
None
None
Signup Bonus
$200 credit
Spend $1,000 in 3 months
was $500
300,000 points
Spend $20,000 in 3 months
was 200k pts
Top Earn Rates
  • Choice Category 3x
  • Grocery Stores 2x
  • All Other Purchases 1x
  • Flights (Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • Purchases $5,000+ 1.5x
Reward Type
cashback
miles
Pts Value
~1.00¢/pt points · industry est.
~1.10¢/pt points · industry est.
Key Credits
None
  • Dell Technologies Credit $200
  • Indeed Credit $360
  • Adobe Credit $150
  • +4 more
Card Perks
None listed
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +5 more
Transfer Partners
Cash back only
  • Flying Blue
  • Delta SkyMiles
  • JetBlue TrueBlue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
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Common Questions: Bank of America Customized Cash Rewards vs The Business Platinum Card from American Express

Is the Bank of America Customized Cash Rewards or The Business Platinum Card from American Express better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Bank of America Customized Cash Rewards currently offers $200 signup bonus (spend $1,000 in 3 months). The Business Platinum Card from American Express offers 300,000 pts signup bonus (spend $20,000 in 3 months). The Business Platinum Card from American Express has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Bank of America Customized Cash Rewards and the The Business Platinum Card from American Express?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Customized Cash Rewards is from Bank of America and The Business Platinum Card from American Express is from American Express, so they're governed by separate bank policies.