The Delta SkyMiles Platinum American Express Card edges out the Bank of America Premium Rewards for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 3x vs 2x). The Bank of America Premium Rewards is the better choice if you want no or lower annual fee.
Bank of America Premium Rewards vs Delta SkyMiles Platinum American Express Card
Get the clearer winner first, see the specific exception case, and only personalize further if the decision is genuinely close.
Delta SkyMiles Platinum American Express Card is the better choice for most people.
Delta SkyMiles Platinum American Express Card wins the measurable comparison on this page. Choose Bank of America Premium Rewards only if best if you will actually use recurring statement credits and premium benefits..
Best if your main priority is the larger current welcome offer.
Review Delta SkyMiles Platinum American Express CardBest if you will actually use recurring statement credits and premium benefits.
Review Bank of America Premium RewardsWhy we picked this winner
- Delta SkyMiles Platinum American Express Card wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Delta SkyMiles Platinum American Express Card reaches 3x; Bank of America Premium Rewards reaches 2x.
- Annual fee: Delta SkyMiles Platinum American Express Card is $350/yr; Bank of America Premium Rewards is $95/yr.
- Current public bonus values are approximately $600 and $1000.
High-confidence recommendation
The winner has a clear edge in multiple measurable categories, so most readers do not need a deeper personalization step before acting.
Which Card Comes Out Ahead?
Delta SkyMiles Platinum American Express Card is the stronger all-around option for most people in this matchup because it wins more measurable categories in our scoring model. Bank of America Premium Rewards still makes sense if your spending pattern lines up better with its fee profile, issuer rules, or rewards ecosystem.
Best if you will actually use recurring statement credits and premium benefits.
Best if your main priority is the larger current welcome offer.
Why you can trust this answer
CardCurator compares measurable card economics first, then uses deeper rewards intelligence from program data, transfer partners, award charts, and live bonuses when a decision depends on the ecosystem behind the card rather than the card headline alone.
Personalize this answer without sharing sensitive data
Start with a few signals that usually decide close matchups: rough monthly spend, your top category, annual-fee tolerance, and whether you already hold either card.
This step is meant to break close ties without asking for uploads, account creation, or exact spending data.
Delta SkyMiles Platinum American Express Card
Assumptions: default assumptions
Delta SkyMiles Platinum American Express Card still comes out ahead after a light personalization pass, which suggests the recommendation is fairly robust.
- Travel 2x
- Dining 2x
- All Other Purchases 1.5x
- Delta Purchases 3x
- Hotel Purchases 3x
- Restaurants 2x
- Airline Incidental Credit $100
- TSA PreCheck / Global Entry $100
- Delta In-Flight Purchases $100
- Delta Lounge Day Passes $100
- CLEAR Plus Credit $189
- +1 more
- First Checked Bag Free
- Second Checked Bag Free
- Priority Boarding
- +3 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Delta SkyMiles Platinum American Express Card edges out the Bank of America Premium Rewards for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 3x vs 2x). The Bank of America Premium Rewards is the better choice if you want no or lower annual fee. On raw upside, Delta SkyMiles Platinum American Express Card tops out at 3x versus 2x for Bank of America Premium Rewards. Current signup bonus values are roughly $600 for Bank of America Premium Rewards and $1000 for Delta SkyMiles Platinum American Express Card. Summary generated July 26, 2026. Source: https://cardcurator.ai/compare/bank-of-america-premium-rewards-vs-delta-skymiles-platinum-american-express-card
- Delta SkyMiles Platinum American Express Card wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Delta SkyMiles Platinum American Express Card reaches 3x; Bank of America Premium Rewards reaches 2x.
- Annual fee: Delta SkyMiles Platinum American Express Card is $350/yr; Bank of America Premium Rewards is $95/yr.
- Current public bonus values are approximately $600 and $1000.
Common Questions: Bank of America Premium Rewards vs Delta SkyMiles Platinum American Express Card
Is the Bank of America Premium Rewards or Delta SkyMiles Platinum American Express Card better for dining?
Bank of America Premium Rewards earns 2x on dining; Delta SkyMiles Platinum American Express Card earns 2x on dining. Bank of America Premium Rewards wins for dining.
Which has the higher signup bonus in 2026?
Bank of America Premium Rewards currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). Delta SkyMiles Platinum American Express Card offers 100,000 pts signup bonus (spend $6,000 in 6 months). Delta SkyMiles Platinum American Express Card has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Premium Rewards and the Delta SkyMiles Platinum American Express Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Premium Rewards is from Bank of America and Delta SkyMiles Platinum American Express Card is from American Express, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.