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Delta SkyMiles® Gold American Express Card vs Chase Sapphire Preferred® Card

Two strong travel cards for generalists and Delta loyalists.

With the Delta SkyMiles® Gold American Express Card, you’ll earn 70,000 Bonus Miles after spending $2,000 in purchases on your new card in your first 3 months. This offer expires 11/10/2021. Additionally, you’ll get your first checked bag free on Delta flights. You’ll also earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership. The Chase Sapphire Preferred® Card offers a much greater number of points at 60,000 after you spend $4,000 in your first 3 months. These points are in the Chase Ultimate Rewards program and are worth up to $750, compared to the $980 value of the Delta Gold card based on Finder’s current valuations. Your reward preferences will ultimately determine which card is more valuable to you.

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

Terms apply, see rates & fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.0 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Delta rewards and perks with a low annual fee
  • Travel rewards and a great signup bonus
Welcome offer
Welcome offer

Limited Time Offer: 70,000 miles after spending $2,000 in your first 3 months. Offer expires 11/10/2021

60,000 points after spending $4,000 in the first 3 months.

Rewards
Rewards

2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on other eligible purchases

5x points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases

Purchase APR
Purchase APR

15.74% to 24.74% variable

15.99% to 22.99% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $99 $95
Balance transfer APR
Balance transfer APR

N/A

15.99% to 22.99% variable
Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 21 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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