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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Customized Cash Rewards vs United Club Business

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
United Club Business card art
United MileagePlus
United Club Business
Chase
More Info
Annual Fee
No annual fee
$695/yr
Foreign Fees
None
None
Signup Bonus
$200 credit
Spend $1,000 in 3 months
8,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Choice Category 3x
  • Grocery Stores 2x
  • All Other Purchases 1x
  • United Purchases 4x
  • Dining 2x
  • Hotel Stays 2x
Reward Type
cashback
miles
Key Credits
None
  • Global Entry/TSA PreCheck Credit $120
  • IHG Rewards Credit $120
Card Perks
None listed
  • United Club Membership
  • Free First and Second Checked Bags
  • Premier Access
  • +1 more
Transfer Partners
Cash back only
No transfer partners
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Common Questions: Bank of America Customized Cash Rewards vs United Club Business

Is the Bank of America Customized Cash Rewards or United Club Business better for dining?

Bank of America Customized Cash Rewards has no dining bonus; United Club Business earns 2x on dining.

Which has the higher signup bonus in 2026?

Bank of America Customized Cash Rewards currently offers $20000 signup bonus (spend $1,000 in 3 months). United Club Business offers 8,000 pts signup bonus (spend $5,000 in 3 months). Bank of America Customized Cash Rewards 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 United Club Business?

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 United Club Business is from Chase, so they're governed by separate bank policies.