The Bank of America Premium Rewards and Delta SkyMiles Platinum American Express Card are closely matched. Bank of America Premium Rewards wins on 2 categories (60,000 pts signup bonus); Delta SkyMiles Platinum American Express Card wins on 2 ($13 signup bonus). The better pick depends on your spending patterns.
Bank of America Premium Rewards vs Delta SkyMiles Platinum American Express Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Bank of America Premium Rewards and Delta SkyMiles Platinum American Express Card are close enough that the better pick depends on where you spend most, how much value you get from perks, and whether you prefer one rewards ecosystem over the other.
Best if your main priority is the larger current welcome offer.
Best if you care most about stronger category earning on everyday spend.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- 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 Bank of America Premium Rewards and Delta SkyMiles Platinum American Express Card are closely matched. Bank of America Premium Rewards wins on 2 categories (60,000 pts signup bonus); Delta SkyMiles Platinum American Express Card wins on 2 ($13 signup bonus). The better pick depends on your spending patterns. On raw upside, Bank of America Premium Rewards tops out at 2x versus 3x for Delta SkyMiles Platinum American Express Card. Current signup bonus values are roughly $600 for Bank of America Premium Rewards and $13 for Delta SkyMiles Platinum American Express Card. Updated June 4, 2026. Source: https://cardcurator.ai/compare/bank-of-america-premium-rewards-vs-delta-skymiles-platinum-american-express-card
- Bank of America Premium Rewards wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bank of America Premium Rewards reaches 2x; Delta SkyMiles Platinum American Express Card reaches 3x.
- Annual fee: Bank of America Premium Rewards is $95/yr; Delta SkyMiles Platinum American Express Card is $350/yr.
- Current public bonus values are approximately $600 and $13.
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 $13 signup bonus. Bank of America Premium Rewards 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.