Bank of America® Travel Rewards credit card vs. Delta SkyMiles® Gold American Express Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
Full review →
Delta SkyMiles® Gold American Express Card
American Express
4.1
Free first checked bag. 2x on Delta, restaurants, supermarkets.
Full review →WealthSpott Verdict
Bank of America® Travel Rewards credit card wins on more measurable categories — particularly annual cost. Delta SkyMiles® Gold American Express Card may still win for your wallet depending on how you spend.
Feature
Bank of America®
Delta SkyMiles® Gold
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
25,000 points
40,000 miles
Rewards Rate
1.5x
1x-2x
Rewards Type
Points
Miles
0% Intro APR
0% for 15 billing cycles
N/A
Regular APR
19.24%-27.24% Variable Best
21.49%-29.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
Delta SkyMiles® Gold American Express Card
Pros
- Free first checked bag on Delta ($60+ per round trip)
- Priority boarding on Delta flights
- 2x on Delta, restaurants, and supermarkets
- No foreign transaction fee
Cons
- $150 annual fee
- Miles tied to Delta only
- Modest everyday earning rate (1x)
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