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Bank of America Customized Cash Rewards vs Delta SkyMiles Gold American Express Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bank of America Customized Cash RewardsBank of America | Delta SkyMiles Gold American Express CardAmerican Express |
|---|---|---|
| Rating | 4.3/5 | 4.1/5 |
| Annual Fee | $0 | $150 |
| APR | 17.49% - 27.49% | 19.49% - 28.49% |
| Signup Bonus | $200 online cash rewards bonus after spending $1,000 in 90 days | 55,000 bonus miles after spending $3,000 in 6 months |
| Rewards Rate | 6% in a category of your choice first year (3% + 3% first-year bonus), 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap), 1% on everything else | 2X on Delta purchases, restaurants, and U.S. supermarkets, 1X on everything else |
| Credit Score | good | good |
| Pros | Choose your own 3% category from six options 2% at grocery stores and wholesale clubs Preferred Rewards members can boost cash back up to 75% | Free first checked bag saves $70+ per round trip Priority boarding on all Delta flights 2X on Delta, dining, and supermarkets covers common spend |
| Cons | $2,500 quarterly cap on 3% and 2% categories combined Best value requires Bank of America banking relationship Only 1% on non-category purchases | $150 annual fee is high for a mid-tier airline card SkyMiles have lower cpp value than some competitors No lounge access or travel credits |
| View Details → | View Details → |
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Verdict
Our Pick: Bank of America Customized Cash Rewards
With a 4.3/5 rating, the Bank of America Customized Cash Rewards edges out the Delta SkyMiles Gold American Express Card (4.1/5). No annual fee makes it easy to justify. The BofA Customized Cash Rewards lets you pick your top 3% category, making it the most flexible no-fee cash back card. Pair it with a Bank of America checking account and Preferred Rewards to boost earnings up to 5.25%.