Bank of America Customized Cash Rewards Credit Card vs Amex Delta SkyMiles Reserve Business Card

Side-by-side comparison of Bank of America Customized Cash Rewards Credit Card and Amex Delta SkyMiles Reserve Business Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bank of America Customized Cash Rewards Credit Card	Amex Delta SkyMiles Reserve Business Card
Issuer	Bank of America	American Express
Network	Visa	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$650.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Category of your choice (up to $2.5K combined w/ grocery per quarter)	3.0%	1.0% (base)
Supermarkets	2.0%	1.0% (base)
Wholesale Clubs	2.0%	1.0% (base)
Airline	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	18.24% - 28.24%	12.74% - 21.74%
Cash Advance APR	29.99%	28.74%
Penalty APR	N/A	29.99%
Late Fee	$40	$40
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	—	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard