Amex Delta SkyMiles Gold vs Bank of America Premium Rewards
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Bank of America Premium Rewards wins 3-1. BoA Preferred Rewards clients — up to 2.625x with $100K relationship. 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 Premium Rewards |
|---|---|---|
| Annual fee | · $150 | $95 |
| Joining fee | = None | = None |
| Top reward rate | = 2% (travel) | = 2% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 40,000 SkyMiles after $2,000 spend in 6 months | = 60,000 points after $4,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | 700 | · 720 |
| Editorial rating | · 4.3/5 | 4.4/5 |
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 Premium Rewards
- 2x on travel + dining
- 1.5x on everything else
- Up to 75% bonus for Preferred Rewards (Platinum Honors tier)
- $100 annual airline incidental credit
- $100 Global Entry/TSA PreCheck credit
FAQ
›Amex Delta SkyMiles Gold vs Bank of America Premium Rewards: which is better?
Bank of America Premium Rewards 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 Premium Rewards 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 Premium Rewards: 60,000 points after $4,000 spend in 90 days.