Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

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

Two strong travel cards for generalists and Delta loyalists.

The winner: Chase Sapphire Preferred® Card

80,000-mile

Welcome offer after spending $4,000 in first 3 months

  • Signup bonus worth $1,000 with Chase Ultimate Rewards
  • 1:1 point transfer to partner hotels and airlines
  • Up to $50 statement credit towards groceries
Apply now

With the Delta SkyMiles® Gold American Express Card, you’ll earn 40,000 miles after you spend $1,000 in the first 3 months and up to $50 back in statement credits on eligible US restaurant purchases during that same time frame. The Chase Sapphire Preferred® Card offers a similar number of points at 80,000 after you spend $4,000 in your first 3 months, though these points are in the Chase Ultimate Rewards program and are worth up to $1,000, compared to the $560 value of the Delta Gold card based on Finder’s current valuations. Your reward preferences will 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

★★★★★

4.3 / 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

Earn 40,000 bonus miles after you spend $1,000 in purchases on your new card in your first 3 months, plus up to $50 back in statement credits for eligible purchases at US restaurants in the same timeframe

80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries

Rewards
Rewards

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

5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other 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 $39
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

Read review

Read review

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

Name Product Welcome offer Rewards Annual fee Filter values
Delta SkyMiles® Gold American Express Card
Earn 40,000 bonus miles after you spend $1,000 in purchases on your new card in your first 3 months, plus up to $50 back in statement credits for eligible purchases at US restaurants in the same timeframe
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $560, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Terms apply, see rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $1,000 plus up to $50 statement credit towards groceries with this popular travel card.
loading

Compare up to 4 providers

Compare credit cards for travel

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site