Amex Graphite Business Cash Unlimited Card vs Bank of America® Customized Cash Rewards
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | Bank of America® Customized Cash Rewards | |
|---|---|---|
| Annual fee | $295 | No annual fee |
| Welcome offer | $1,500 cash back | $200 online cash rewards bonus |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 3% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $630 |
| Points type | Cash back only | Cash back only |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Amex Graphite Business Cash Unlimited Card earns about $900 a year in rewards and the Bank of America® Customized Cash Rewards about $630, valuing every point at a flat 1 cent. The Amex Graphite Business Cash Unlimited Card charges $295, which you clear through its rewards and perks. The Bank of America® Customized Cash Rewards has no annual fee, so its rewards are all profit. The two are close on value, but the Bank of America® Customized Cash Rewards edges ahead by about $25 a year, mostly because it earns more where you spend most, on travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Amex Graphite Business Cash Unlimited Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Amex Graphite Business Cash Unlimited Card if your spending leans toward advertising, shipping, office supplies. Pick the Bank of America® Customized Cash Rewards if your spending leans toward travel.