Bank of America Business Advantage Customized Cash Rewards vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, Bank of America Business Advantage Customized Cash Rewards or Sapphire Reserve for Business?

The Sapphire Reserve for Business has a public bonus (150,000 points, worth roughly $2,595), while the Bank of America Business Advantage Customized Cash Rewards doesn't advertise one right now.

Is the Bank of America Business Advantage Customized Cash Rewards's $0 annual fee worth it compared to the Sapphire Reserve for Business?

The Bank of America Business Advantage Customized Cash Rewards has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Bank of America Business Advantage Customized Cash Rewards.

Can I have both the Bank of America Business Advantage Customized Cash Rewards and Sapphire Reserve for Business?

Yes, since they're from different issuers (Bank of America and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Bank of America Business Advantage Customized Cash Rewards or the Sapphire Reserve for Business first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Business Advantage Customized Cash Rewards: no published min spend. Sapphire Reserve for Business: $20,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.