Delta SkyMiles Gold American Express Card vs. Bank of America Customized Cash Rewards credit card
On the criteria below, Delta SkyMiles Gold American Express Card wins 3 of 5. The verdict depends on which criteria matter to you.
Delta SkyMiles Gold American Express Card
Amex
Bank of America Customized Cash Rewards credit card
Bank of America
Delta SkyMiles Gold American Express Card wins 3 of 5 criteria here, making it the stronger all-rounder.
Delta SkyMiles Gold American Express Card wins on first-year math, travel insurance, and foreign transactions; Bank of America Customized Cash Rewards credit card wins on annual fee and earning ceiling.
Pick the Delta SkyMiles Gold American Express Card if year-one math is your priority; take the Bank of America Customized Cash Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
3 vs 2- First-year math Delta SkyMiles Gold American Express Card
Delta SkyMiles Gold American Express Card wins on bonus value minus annual fee.
- Annual fee Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card is $150 cheaper to keep.
- Earning ceiling Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card earns more on its best category (3× vs 2×).
- Travel insurance Delta SkyMiles Gold American Express Card
Delta SkyMiles Gold American Express Card carries built-in travel insurance.
- Foreign transactions Delta SkyMiles Gold American Express Card
Delta SkyMiles Gold American Express Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $150
- Free
- Welcome offer (typical value)
- $960
- $200
- First-year net
- +$810
- +$200
- Peak earning rate
- 2×
- 3×
- Top categories
- Dining, U.S. Supermarkets, Airfare
- Choice Category, Grocery
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Delta SkyMiles
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.