Head to head

Delta SkyMiles Platinum American Express Card vs. Bank of America Customized Cash Rewards credit card

On the criteria below, Delta SkyMiles Platinum American Express Card wins 3 of 5. The verdict depends on which criteria matter to you.

Delta SkyMiles Platinum American Express Card

Amex

Bank of America Customized Cash Rewards credit card

Bank of America

At a glance

Delta SkyMiles Platinum American Express Card wins 3 of 5 criteria here, making it the stronger all-rounder.

Delta SkyMiles Platinum 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.

Pick the Delta SkyMiles Platinum 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 1 (1 tie)

First-year math Delta SkyMiles Platinum American Express Card

Delta SkyMiles Platinum 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 $350 cheaper to keep.
Earning ceiling Tie

Same peak earning rate.
Travel insurance Delta SkyMiles Platinum American Express Card

Delta SkyMiles Platinum American Express Card carries built-in travel insurance.
Foreign transactions Delta SkyMiles Platinum American Express Card

Delta SkyMiles Platinum American Express Card has a lower (or zero) foreign transaction fee.

By the numbers

Annual fee: $350; Free
Welcome offer (typical value): $1,080; $200
First-year net: +$730; +$200
Peak earning rate: 3×; 3×
Top categories: Airfare, Hotels Resorts, Dining; Choice Category, Grocery
Lounge access: No; No
Travel insurance: Yes; No
Elite status: Yes; No
Foreign transaction fee: None; 3.00%
Reward currency: Delta SkyMiles; Cashback

Full review Delta SkyMiles Platinum American Express Card

Full review Bank of America Customized Cash Rewards credit card

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.