Delta SkyMiles Gold Business returns $0 over its fee and Bank of America Premium Rewards Elite returns $70, so the fee difference comes down to which categories you use.


| CATEGORY | DELTA SKYMILES GOLD BUSINESS | BANK OF AMERICA PREMIUM REWARDS ELITE |
|---|---|---|
| 🌎Travel | $150 | $330 |
| Total credits | $150 | $480 |
| Annual fee | $150 | $550 |
| Net value | +$0 | -$70 |
You use travel.
The Delta SkyMiles Gold Business is better with $0 net annual value compared to the Bank of America Premium Rewards Elite at -$70. The Delta SkyMiles Gold Business wins by $70/year.
The key differences: Bank of America Premium Rewards Elite has a $550 annual fee and $480 in annual benefits, while Delta SkyMiles Gold Business has a $150 annual fee and $150 in annual benefits. The annual fee difference is $400.
The Delta SkyMiles Gold Business has a lower annual fee at $150 compared to the Bank of America Premium Rewards Elite at $550. However, the Bank of America Premium Rewards Elite offers $480 in total annual benefits.
Yes, the Delta SkyMiles Gold Business offers better value with $0 net annual value compared to -$70 for the Bank of America Premium Rewards Elite. It also has a lower annual fee.
For these specific cards, Amex's Delta SkyMiles Gold Business offers better value with $0 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
The Bank of America Premium Rewards Elite is better for travel with $330 in annual travel benefits compared to $150 for the Delta SkyMiles Gold Business.
If you're deciding between the Delta SkyMiles Gold Business and Bank of America Premium Rewards Elite, the Delta SkyMiles Gold Business is the better choice with $0 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.