Costs & Pricing

Metric	Business Advantage Customized Cash Rewards	Engine X
Annual fee	$0	$0
Employee card fee	$0 (no published cap on number)	$0; unlimited physical and virtual cards
Purchase APR	16.74%–26.74% variable after intro (creditworthiness-based; Prime + margin not printed on marketing summary)	N/A — charge card. No purchase interest if paid by due date. No published purchase APR range. Marketing “0%” means no annual fee plus charge-card float until the due date, not an intro APR.
Intro APR (purchases)	0% for 7 billing cycles, then 16.74%–26.74% variable	Not offered (not a revolving product)
Foreign transaction fee	3%	$0 (International Transaction Fee: $0 / None). Ordinary Visa FX conversion still applies (rate not separately itemized).
Late payment fee	Not disclosed on public product pages	$40 per late payment

Rewards & Value

Metric	Business Advantage Customized Cash Rewards	Engine X
Base earn rate	1% on all other Net Purchases (PRFB can lift to 1.25%/1.50%/1.75%)	1.5% back in Engine points on Qualifying Card Purchases (everyday / off-Engine spend, including flights even if booked on Engine)
Welcome bonus	$500 cash rewards after at least $5,000 in purchases in the first 90 days (live public online offer, 3 Sep 2026)	20,000 Engine points after the company activates an Engine X card and completes $2,000 in Qualifying Off-Platform Purchases within 30 days of first Card activation. Off-platform = card spend not booked through Engine.com. Engine travel bookings do not count. Employee/additional-card off-platform spend does count (company-level). First-time Engine X customer; one bonus per company. Offer ends 11:59 p.m. ET, 31 December 2026 (incentive terms updated 1 Jun 2026).
Redemption value	1¢ per 1% (cash is cash). No travel portal, no transfer partners.	Official cents-per-point not disclosed. Points have no cash value and are redeemable only through the program. Checkout shows a point-to-dollar value before confirm. Secondary (TPG, 20 Aug 2026): statement credit described at ~50% of booking value — unofficial; do not hard-code 1¢ or 0.5¢ as issuer fact. Disclose user-selectable factor: 1.0× if redeemed for Engine bookings; 0.5× if using TPG’s statement-credit haircut.
Transfer partners	None	Not offered (no Chase/Amex/airline transfers)

Credit & Eligibility

Metric	Business Advantage Customized Cash Rewards	Engine X
Personal guarantee	Required in substance — cards are backed by personal credit; owner/authorized officer applies	Official apply page: “We also do not require personal guarantees.” Program terms: company is the liable party. Owner KYC still collected. Confirm no hidden guaranty in the Issuing Bank Terms accepted at offer.
Credit check	Hard personal pull on applying owner/authorized officer (treat as hard unless a prequalification tool says otherwise — none advertised)	Official: no hard pull, will not impact personal credit score. Soft-pull vs none-at-all on a bureau file is not separately named. Last-4 SSN is for identity verification (CIP), not described as a full credit pull.
Employee cards	Free; no published numeric cap; employee-transaction monitoring. Per-card sub-limits Unclear vs the separate CORP product.	Unlimited physical + instant virtual, including 1099 / temporary workers. Spend controls by employee, project, expense type, category, merchant, transaction. Physical cards ~8 business days. Company remains liable.
Product type	Revolving small-business credit card	Business charge card + spend-management card (pay-in-full each cycle; assigned line of credit; no revolving APR). Not a consumer credit card. Sibling: Direct Bill (credit line limited to Engine hotel/flight/car bookings — not this card).

Pros & Cons

Business Advantage Customized Cash Rewards

Pros

• $0 annual fee and $0 employee-card fees
• Monthly-switchable 3% category plus 2% dining (first $50k combined); PRFB can take choice to 5.25%
• Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
• Cash redeems to deposit, statement, or check; no expiration while open
• In good standing, issuer says the card stays off personal credit reports

Cons

• 3% foreign-transaction fee
• 3%/2% share one $50,000 calendar cap, then 1% (+ PRFB)
• Headline 'up to' rates require business checking and $20k–$100k combined balances
• Personal-credit underwriting and personal liability; not a no-PG startup card
• Intro APR is short and purchases-only; 5% BT fee with no 0% BT

Engine X

Pros

• $0 annual fee and $0 employee/virtual-card fees
• 6% (scaling to 10%) Engine points on Engine hotel and rental-car bookings — unusual on-platform travel earn at $0 fee
• No personal guarantee and no hard personal credit pull (official apply language)
• Charge card + Autopay + spend controls + unlimited cards for employees and 1099s; travel booking, policy, and folios in one dashboard
• $0 foreign-transaction fee in the fee table

Cons

• Elevated earn does not apply to flights or off-Engine hotels; marketing “up to 10% on travel” is broader than the legal category
• Pay-in-full charge card; $40 late / $40 returned-payment fees; no revolver
• Points have no cash value; official ¢/point not published; statement-credit value may haircut vs booking (secondary)
• Sole proprietors ineligible; U.S. entity + EIN required
• No published lounge, TSA/Global Entry, or card-insurance benefits guide; product is new (Mar 2026) so limit ranges and servicing quality are thinly documented

Verdict

Business Advantage Customized Cash Rewards

Customized is the category SKU, not the flat 1.5% Unlimited card. It wins when gas, office supply, travel, telecom, computer services, or consulting plus dining stay under $50k combined. After the cap, or if you will not enroll in PRFB, Unlimited is usually simpler. Poor fit for foreign spend, ad-heavy businesses, or anyone who needs no personal guarantee.

Engine X

Engine X is a TMC + charge card, not Direct Bill and not Ramp/Brex. Most SMBs stay Silver (6% / 1.5%). Skip it if travel will not move onto Engine, if you need revolving credit or transferable miles, or if you are a sole prop. Confirm the live 20,000-point offer (through 31 Dec 2026) requires $2,000 off-Engine spend within 30 days of first card activation.