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Bank of America Atmos Rewards Visa Signature Business Card vs Customized Cash Rewards

Both are Bank of America cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Atmos Rewards Visa Signature Business Card 1.6% 1x base rate
  2. Customized Cash Rewards 1.0% 1% base rate

Groceries

  1. Customized Cash Rewards 2.0% 2%
  2. Atmos Rewards Visa Signature Business Card 1.6% 1x base rate

Gas

  1. Atmos Rewards Visa Signature Business Card 3.1% 2x
  2. Customized Cash Rewards 1.0% 1% base rate

Wholesale clubs

  1. Customized Cash Rewards 2.0% 2%
  2. Atmos Rewards Visa Signature Business Card 1.6% 1x base rate

Shipping

  1. Atmos Rewards Visa Signature Business Card 3.1% 2x
  2. Customized Cash Rewards 1.0% 1% base rate

Flights

  1. Atmos Rewards Visa Signature Business Card 4.7% 3x
  2. Customized Cash Rewards 1.0% 1% base rate

Public transit

  1. Atmos Rewards Visa Signature Business Card 3.1% 2x
  2. Customized Cash Rewards 1.0% 1% base rate

Rideshare & taxis

  1. Atmos Rewards Visa Signature Business Card 3.1% 2x
  2. Customized Cash Rewards 1.0% 1% base rate

What the numbers are doing

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 Visa Signature Business Card $70 and Customized Cash Rewards $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Atmos Rewards Visa Signature Business Card takes everything else, gas, shipping and flights, plus 2 more; Customized Cash Rewards takes groceries and wholesale clubs.

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Pass content preview
CategoryBest card
Everything elseAtmos Rewards Visa Signature Business Card1.6%
GroceriesCustomized Cash Rewards2.0%
GasAtmos Rewards Visa Signature Business Card3.1%
Wholesale clubsCustomized Cash Rewards2.0%
ShippingAtmos Rewards Visa Signature Business Card3.1%
FlightsAtmos Rewards Visa Signature Business Card4.7%
Public transitAtmos Rewards Visa Signature Business Card3.1%
Rideshare & taxisAtmos Rewards Visa Signature Business Card3.1%

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

  1. Atmos Rewards Visa Signature Business Card — 1.6%
  2. Customized Cash Rewards — 1.0%

Groceries

  1. Customized Cash Rewards — 2.0%
  2. Atmos Rewards Visa Signature Business Card — 1.6%

Gas

  1. Atmos Rewards Visa Signature Business Card — 3.1%
  2. Customized Cash Rewards — 1.0%

Wholesale clubs

  1. Customized Cash Rewards — 2.0%
  2. Atmos Rewards Visa Signature Business Card — 1.6%

Shipping

  1. Atmos Rewards Visa Signature Business Card — 3.1%
  2. Customized Cash Rewards — 1.0%

Flights

  1. Atmos Rewards Visa Signature Business Card — 4.7%
  2. Customized Cash Rewards — 1.0%

Public transit

  1. Atmos Rewards Visa Signature Business Card — 3.1%
  2. Customized Cash Rewards — 1.0%

Rideshare & taxis

  1. Atmos Rewards Visa Signature Business Card — 3.1%
  2. Customized Cash Rewards — 1.0%
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