Amex Business Gold vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Business Gold wins 3-2. Small businesses — 4x on top 2 spend categories from a list of 6. Bank of America Customized Cash is still the right call if choose your 3% category each month — no rotation needed..
Side-by-side
| Criterion | Amex Business Gold | Bank of America Customized Cash |
|---|---|---|
| Annual fee | · $375 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 4% (shopping) | · 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 70,000 Membership Rewards points after $10,000 spend in 3 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Amex Business Gold
- 4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
- $20 monthly FedEx + Grubhub credit
- $240 Amex Business Line of Credit access
- No foreign transaction fees
Bank of America Customized Cash
- 3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
- 2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
- 1% on everything else
- No annual fee
FAQ
›Amex Business Gold vs Bank of America Customized Cash: which is better?
Amex Business Gold wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Business Gold for its best categories, Bank of America Customized Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.