home/cards/compare/american express® business gold card vs bank of america® customized cash rewards credit card for students
Card comparisonSide by side
American Express® Business Gold Card vs Bank of America® Customized Cash Rewards Credit Card for Students
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
Pair snapshot
2
cards
A-B
comparison
Comparison table
The numbers, lined up.
How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
Swipe horizontally to compare all columns
| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | American Express | Bank of America |
Card Network | ||
Card Type Data: 2/2 cards | business | student |
Card Tier Data: 2/2 cards | Premium | Entry Level |
Credit Score | — | Good(700-749) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $375 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | 17.74% – 28.49% | 17.49% – 27.49% |
Intro APR | — | 0% for 15 months |
| Rewards | ||
Welcome Bonus | Earn 200,000 points | Earn $200 |
Bonus Value | $2,000 | $200 |
Reward Rate Data: 2/2 cards | 4x pts on top 2 eligible categories | 6% back on choice category (first year) |
Reward Program Data: 2/2 cards | Membership Rewards | BofA Rewards |
| Earning Rates | ||
| All Other Purchases | — | 1% backUnlimited 1% cash back on all other purchases. |
| All other eligible purchases | 1x pts | — |
| Choice Category (After First Year) | — | 3% backAfter the first year, earn 3% cash back in your choice category. Subject to quarterly limits. |
| Choice Category (First Year) | — | 6% backEarn 3% cash back + 3% first-year cash back bonus in the category of your choice (gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings). Subject to quarterly limits. |
| Flights and prepaid hotels | 3x ptsBooked on AmexTravel.com. | — |
| Grocery Stores and Wholesale Clubs | — | 2% backAutomatic 2% cash back at grocery stores and wholesale clubs. Subject to quarterly limits. |
| Top 2 eligible categories | 4x ptsEarned on the two categories where the business spends the most in each billing cycle from U.S. media advertising; U.S. electronic goods retailers and software and cloud system providers; U.S. restaurants; U.S. gas stations; transit; and monthly U.S. wireless telephone service charges. Applies to the first $150,000 in combined eligible purchases each calendar year, then 1X thereafter. | — |
| Benefits | ||
Key Benefits |
|
|
