Bank of America® Customized Cash Rewards vs Delta SkyMiles® Reserve
Side-by-side comparison
| Bank of America® Customized Cash Rewards | Delta SkyMiles® Reserve | |
|---|---|---|
| Annual fee | No annual fee | $650 |
| Welcome offer | $200 online cash rewards bonus | |
| Dining | 3x | 1x |
| Groceries | 2x | 1x |
| Gas | 3x | 1x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $491 | $292 |
| Points type | Cash back only | Locked to Delta SkyMiles |
| Network | Visa | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Bank of America® Customized Cash Rewards earns about $491 a year in rewards and the Delta SkyMiles® Reserve about $292, valuing every point at a flat 1 cent. The Bank of America® Customized Cash Rewards has no annual fee, so its rewards are all profit. The Delta SkyMiles® Reserve charges $650, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Bank of America® Customized Cash Rewards delivers more total value, about $849 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Delta SkyMiles® Reserve currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bank of America® Customized Cash Rewards if your spending leans toward dining, groceries, gas.