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Introduction Bank of America’s Business Advantage Cash Rewards credit card is a surprisingly simple credit card targeted toward small business owners. The card offers 3% rewards in your chosen category, 2% cash back on dining and 1% cash back on all other purchases. The card has no annual fee. The 3% and 2% rate is capped at the first $50,000 in combined spending each calendar year. While there are cards that earn more rewards in business and travel categories, few cards offer the ability to select from as many categories as the Business Advantage Cash Rewards card offers. Additionally, the ability to change your 3% bonus category month-to-month is a unique feature that opens up some interesting opportunities for those seeking to maximize rewards.

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