Bank of America® Customized Cash Rewards vs U.S. Bank Triple Cash Rewards Business Card
Side-by-side comparison
| Bank of America® Customized Cash Rewards | U.S. Bank Triple Cash Rewards Business Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 online cash rewards bonus | $750 cash back |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 3% |
| Phone & internet | 1% | 3% |
| Travel | 3% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $630 | $630 |
| Points type | Cash back only | Cash back only |
| 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 U.S. Bank Triple Cash Rewards Business Card about $630, 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 U.S. Bank Triple Cash Rewards Business Card has no annual fee, so its rewards are all profit. The two are effectively tied on value, with the Bank of America® Customized Cash Rewards marginally ahead, 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 U.S. Bank Triple Cash Rewards 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 U.S. Bank Triple Cash Rewards Business Card if your spending leans toward office supplies, phone & internet.