FIRST CARD
VSSECOND CARD
American Express Delta SkyMiles Reserve or Bank of America Premium Rewards?
Bank of America Premium Rewards returns $30 over its fee and American Express Delta SkyMiles Reserve returns $60, so the fee difference comes down to which categories you use.
American Express Delta SkyMiles ReserveAmerican Express · $650 fee · 4 credits
Bank of America Premium RewardsBank of America · $95 fee · 2 credits
NET VALUE-$60$590 credits
NET VALUE+$30$125 credits
| CATEGORY | DELTA SKYMILES RESERVE | BANK OF AMERICA PREMIUM REWARDS |
|---|---|---|
| 🌎Travel | $200 | $125 |
| 🍽️Food & Dining | $240 | — |
| 🚗Transportation | $120 | — |
| Lounge Access | — |
AMERICAN EXPRESSAmerican Express Delta SkyMiles Reserve
FEE$650
CREDITS$590
NET-$60
Category wins3 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
BEST NET VALUE
TAKE THE AMEX DELTA SKYMILES RESERVE IF
You use food & dining, travel, transportation. Food & Dining and Transportation alone are worth $360 here and nothing on the Bank of America Premium Rewards.
Where to use each card
AMEX DELTA SKYMILES RESERVE
BANK OF AMERICA PREMIUM REWARDS
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Start tracking freeFrequently asked questions
Which is better, American Express Delta SkyMiles Reserve or Bank of America Premium Rewards?
The Bank of America Premium Rewards is better with $30 net annual value compared to the American Express Delta SkyMiles Reserve at -$60. The Bank of America Premium Rewards wins by $90/year.
What's the difference between American Express Delta SkyMiles Reserve and Bank of America Premium Rewards?
The key differences: American Express Delta SkyMiles Reserve has a $650 annual fee and $590 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $555.
Which has a lower annual fee, American Express Delta SkyMiles Reserve or Bank of America Premium Rewards?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the American Express Delta SkyMiles Reserve at $650. However, the American Express Delta SkyMiles Reserve offers $590 in total annual benefits.
Is the Bank of America Premium Rewards worth it compared to the American Express Delta SkyMiles Reserve?
Yes, the Bank of America Premium Rewards offers better value with $30 net annual value compared to -$60 for the American Express Delta SkyMiles Reserve. It also has a lower annual fee.
Amex vs Bank of America: which issuer is better?
For these specific cards, Bank of America's Bank of America Premium Rewards offers better value with $30 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for food_and_dining?
The American Express Delta SkyMiles Reserve is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Bank of America Premium Rewards.