Amex Delta SkyMiles Gold vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Bank of America Customized Cash wins 3-1. Choose your 3% category each month — no rotation needed. Amex Delta SkyMiles Gold is still the right call if delta loyalists — free first checked bag pays for the fee with one round trip..
Side-by-side
| Criterion | Amex Delta SkyMiles Gold | Bank of America Customized Cash |
|---|---|---|
| Annual fee | · $150 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 2% (travel) | 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 40,000 SkyMiles after $2,000 spend in 6 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
Amex Delta SkyMiles Gold
- 2x miles on Delta + restaurants + US supermarkets
- $200 Delta flight credit annually
- Free first checked bag (worth ~$60 each way)
- Priority Boarding (Zone 5)
- 15% miles discount on award flights
Bank of America Customized Cash
- 3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
- 2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
- 1% on everything else
- No annual fee
FAQ
›Amex Delta SkyMiles Gold vs Bank of America Customized Cash: which is better?
Bank of America Customized Cash wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Delta SkyMiles Gold for its best categories, Bank of America Customized Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Delta SkyMiles Gold: 40,000 SkyMiles after $2,000 spend in 6 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.