Bank of America® Customized Cash Rewards vs United Club℠ Business Card
Side-by-side comparison
| Bank of America® Customized Cash Rewards | United Club℠ Business Card | |
|---|---|---|
| Annual fee | No annual fee | $695 |
| Welcome offer | $200 online cash rewards bonus | 110,000 miles |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 3% | 2% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $630 | $699 |
| Points type | Cash back only | Locked to United MileagePlus |
| 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 United Club℠ Business Card about $699, 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 United Club℠ Business Card charges $695, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Bank of America® Customized Cash Rewards delivers more total value, about $626 a year more for a typical spender, 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 United Club℠ Business 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 Bank of America® Customized Cash Rewards if your spending leans toward travel. Pick the United Club℠ Business Card if your spending leans toward advertising, shipping, office supplies.