Bank of America Atmos Rewards Ascent Visa Signature vs Business Advantage Customized Cash Rewards
Both are Bank of America cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Atmos Rewards Ascent Visa Signature 1.6% 1x base rate
- Business Advantage Customized Cash Rewards 1.0% 1% base rate
Dining
- Business Advantage Customized Cash Rewards 2.0% 2%
- Atmos Rewards Ascent Visa Signature 1.6% 1x base rate
Gas
- Atmos Rewards Ascent Visa Signature 3.1% 2x
- Business Advantage Customized Cash Rewards 1.0% 1% base rate
Streaming
- Atmos Rewards Ascent Visa Signature 3.1% 2x
- Business Advantage Customized Cash Rewards 1.0% 1% base rate
Phone & internet
- Atmos Rewards Ascent Visa Signature 3.1% 2x
- Business Advantage Customized Cash Rewards 1.0% 1% base rate
Flights
- Atmos Rewards Ascent Visa Signature 4.7% 3x
- Business Advantage Customized Cash Rewards 1.0% 1% base rate
Public transit
- Atmos Rewards Ascent Visa Signature 3.1% 2x
- Business Advantage Customized Cash Rewards 1.0% 1% base rate
Rideshare & taxis
- Atmos Rewards Ascent Visa Signature 3.1% 2x
- Business Advantage Customized Cash Rewards 1.0% 1% base rate
What the numbers are doing
Business Advantage Customized Cash Rewards lets you choose one category to earn 3% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.
The table is earn rate only — annual fees are not netted out of it. These cards charge Atmos Rewards Ascent Visa Signature $95 and Business Advantage Customized Cash Rewards $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: Atmos Rewards Ascent Visa Signature takes everything else, gas, streaming and phone & internet, plus 3 more; Business Advantage Customized Cash Rewards takes dining.
| Category | Best card |
|---|---|
| Everything else | Atmos Rewards Ascent Visa Signature1.6% |
| Dining | Business Advantage Customized Cash Rewards2.0% |
| Gas | Atmos Rewards Ascent Visa Signature3.1% |
| Streaming | Atmos Rewards Ascent Visa Signature3.1% |
| Phone & internet | Atmos Rewards Ascent Visa Signature3.1% |
| Flights | Atmos Rewards Ascent Visa Signature4.7% |
| Public transit | Atmos Rewards Ascent Visa Signature3.1% |
| Rideshare & taxis | Atmos Rewards Ascent Visa Signature3.1% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Atmos Rewards Ascent Visa Signature — 1.6%
- Business Advantage Customized Cash Rewards — 1.0%
Dining
- Business Advantage Customized Cash Rewards — 2.0%
- Atmos Rewards Ascent Visa Signature — 1.6%
Gas
- Atmos Rewards Ascent Visa Signature — 3.1%
- Business Advantage Customized Cash Rewards — 1.0%
Streaming
- Atmos Rewards Ascent Visa Signature — 3.1%
- Business Advantage Customized Cash Rewards — 1.0%
Phone & internet
- Atmos Rewards Ascent Visa Signature — 3.1%
- Business Advantage Customized Cash Rewards — 1.0%
Flights
- Atmos Rewards Ascent Visa Signature — 4.7%
- Business Advantage Customized Cash Rewards — 1.0%
Public transit
- Atmos Rewards Ascent Visa Signature — 3.1%
- Business Advantage Customized Cash Rewards — 1.0%
Rideshare & taxis
- Atmos Rewards Ascent Visa Signature — 3.1%
- Business Advantage Customized Cash Rewards — 1.0%
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