Atmos™ Rewards Visa Signature® Business Card vs Bank of America® Business Advantage Customized Cash Rewards Mastercard®

Atmos™ Rewards Visa Signature® Business CardAtmos™ Rewards Visa Signature® Business Card

Bank of America

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Bank of America® Business Advantage Customized Cash Rewards Mastercard®Bank of America® Business Advantage Customized Cash Rewards Mastercard®

Bank of America

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Annual Fee
$99
No Annual Fee
Card Type
Business
Business
Rewards Currency
Alaska Mileage Plan Miles
Cash Back
Point Value
1.45¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
80,000 Alaska Mileage Plan Miles after $4,000 in 120 days
$200 after $1,000 in 90 days

Effective return by category

CategoryAtmos™ Rewards Visa Signature® Business CardBank of America® Business Advantage Customized Cash Rewards Mastercard®
Gas Stations2.90%
2x
3.00%
3x · $50,000 cap
EV Charging2.90%
2x
3.00%
3x · $50,000 cap
Office Supplies1.45%
1x
3.00%
3x · $50,000 cap
Travel1.45%
1x
3.00%
3x · $50,000 cap
Business Services1.45%
1x
3.00%
3x · $50,000 cap
Phone & Wireless1.45%
1x
3.00%
3x · $50,000 cap
Shipping2.90%
2x
1.00%
1x
Transit & Rideshare2.90%
2x
1.00%
1x
Dining & Restaurants1.45%
1x
2.00%
2x · $50,000 cap
Everything else1.45%
1x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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