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Delta SkyMiles® Gold American Express Card vs American Express® Gold Card

One offers better airline-specific perks, while the other offers superior rewards.

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Megan Horner
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The Delta SkyMiles® Gold American Express Card is great for Delta-specific perks and has a $99 ongoing annual fee (Terms apply, see rates & fees) after the first year intro. The American Express® Gold Card, on the other hand, is great for rewards, and its $250 annual fee (Terms apply, see rates & fees) is largely offset by its annual travel credits.

The American Express® Gold Card pays superior rewards: 4x points at US supermarkets on up to $25,000 a year in purchases, then 1x points. It also offers 4x points at restaurants and 3x points on eligible flights. The Delta SkyMiles® Gold American Express Card gives you perks such as your first checked bag free on each flight and Main Cabin 1 priority boarding. Earn 70,000 Bonus Miles after spending $2,000 in purchases on your new card in your first 3 months and earn to back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership.

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

Terms apply, see rates & fees

American Express® Gold Card

American Express® Gold 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
  • Generous points on dining and US supermarkets
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 6 months
Rewards
Rewards

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

4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases
Purchase APR
Purchase APR

15.74% to 24.74% variable

See Pay Over Time APR

Annual fee
Annual fee $0 intro annual fee the first year, then $99 $250
Cash advance
Cash advance

APR: 25.24% variable

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

APR: 25.24% 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
Interest-free period
Interest-free period 25 days 25 days
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Other
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Learn more

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