Business Advantage Customized Cash Rewards
By Alex Compton · Last verified
Pick your 3% category and let Preferred Rewards push it toward 5.25%.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $300 | $3,000 in 3 mo | Terms reconfirmed$300 online cash bonus | Archive record · no attached snapshot |
| 2024-06 | $300 | $3,000 in 3 mo | Terms reconfirmed$300 online cash bonus | Archive record · no attached snapshot |
| 2022-01 | $300 | $3,000 in 3 mo | Earliest record$300 online cash bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xCategory of your choiceGas and EV charging, office supply, travel, TV/telecom and wireless, computer services, or business consulting
- 2xDining
- 1xEverything else3% and 2% rates apply to the first $50,000 in combined choice category and dining purchases each year
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Preferred Rewards for Business boosts cash back 25% to 75%
- ✦Free employee cards
- ✦Travel accident and auto rental coverage
Why it earns its spot
- +3% in a category you pick, up to 5.25% with Platinum Honors
- +No annual fee
Where it costs you
- −$50,000 yearly cap on boosted categories
- −3% foreign transaction fee
- −1% everywhere else is below market
The Compound Verdict
A solid no fee workhorse if your business spends heavily in one of the six choice categories. With a Preferred Rewards for Business relationship the effective rate gets genuinely hard to beat. Without one, a flat 2% card probably serves you better.
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