Bank of America® Customized Cash Rewards vs Chase Sapphire Reserve for Business℠
Side-by-side comparison
| Bank of America® Customized Cash Rewards | Chase Sapphire Reserve for Business℠ | |
|---|---|---|
| Annual fee | No annual fee | $795 |
| Welcome offer | $200 online cash rewards bonus | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 3% | 4% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $630 | $666 |
| Points type | Cash back only | Transfers to airlines & hotels |
| Network | Visa | 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 Bank of America® Customized Cash Rewards earns about $630 a year in rewards and the Chase Sapphire Reserve for Business℠ about $666, valuing every point at a flat 1 cent. The Bank of America® Customized Cash Rewards has no annual fee, so its rewards are all profit. The Chase Sapphire Reserve for Business℠ charges $795, but carries about $435 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Bank of America® Customized Cash Rewards delivers more total value, about $542 a year more for a typical spender, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the Chase Sapphire Reserve for Business℠ earns points you can move to travel partners for outsized value, while the Bank of America® Customized Cash Rewards pays plain cash back. Favor the Chase Sapphire Reserve for Business℠ if you will use travel transfers, the Bank of America® Customized Cash Rewards if you want simplicity. On the sign-up bonus, the Chase Sapphire Reserve for Business℠ currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Sapphire Reserve for Business℠ if your spending leans toward travel.