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Side-by-side

Delta SkyMiles Reserve Business American Express Card vs Bank of America Travel Rewards

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/yr; the Bank of America Travel Rewards from Bank of America at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Delta SkyMiles Reserve Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($590 more in estimated value) than the Bank of America Travel Rewards's. Get the Delta SkyMiles Reserve Business American Express Card first; revisit the Bank of America Travel Rewards after you've earned that bonus.

FeatureDelta SkyMiles Reserve Business American Express CardBank of America Travel Rewards
Annual fee$650$0
Sign-up bonus70,000 miles25,000 points
Bonus value (est.)$840$250
Min spend to unlock bonus$6,000 in 6 mo$1,000 in 3 mo
IssuerAmerican ExpressBank of America
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersNoneNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • 1.5x everywhere
  • No annual fee
  • No foreign tx fees
  • Preferred Rewards boost
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 70,000 miles
Read the full review
Bank of America Travel Rewards
$0/yr · 25,000 points

Editorial take: Delta SkyMiles Reserve Business American Express Card

Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

Editorial take: Bank of America Travel Rewards

The no-fee version of Premium Rewards. Only shines with BoA's Preferred Rewards boost, otherwise the Capital One VentureOne or Wells Fargo Autograph beat it.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Bank of America Travel Rewards?
The Delta SkyMiles Reserve Business American Express Card has the bigger bonus, 70,000 miles, worth roughly $840, versus 25,000 points (~$250) on the Bank of America Travel Rewards.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Bank of America Travel Rewards?
Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The Bank of America Travel Rewards at $0/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Business American Express Card and Bank of America Travel Rewards?
Yes, since they're from different issuers (American Express and Bank of America) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Delta SkyMiles Reserve Business American Express Card or the Bank of America Travel Rewards first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $6,000 spend in 6 months. Bank of America Travel Rewards: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.