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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.

Megan Horner
Megan Horner

Updated

Fact checked

The winner: American Express® Gold Card

American Express® Gold Card logo

60,000-point

Welcome offer after spending $4,000 in first 6 months

  • Points on flights, dining and groceries
  • Annual dining and flight credits
  • Access hotel collections, Personalized Travel Service and more
Apply now
See rates & fees
The Delta SkyMiles® Gold American Express Card is great for Delta-specific perks and has a $99 ongoing annual fee after the first year intro. The American Express® Gold Card, on the other hand, is great for rewards, and its $250 annual fee 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.

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

Rates & Fees

American Express® Gold Card

American Express® Gold Card

Rates & Fees
finder.com's rating
finder.com's 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

35,000 miles after spending $1,000 in the first 3 months

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 all other purchases

3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
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 670 680
Card type
Card type Credit Other
Learn more
Learn more

Read review

Read review

Summary of card features

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

  • Priority boarding on Delta flights
  • Earn Delta SkyMiles
  • American Express purchase protection
  • Check first bag for free

American Express® Gold Card

American Express® Gold Card

  • Earn 4x points at restaurants. You'll also earn 4x points at US supermarkets up to 25,000 per calendar year. Earn 1x points after that and on everything else.
  • A solid 60,000-point welcome offer after you spend $4,000 within your first 6 months of account opening.
  • Get a great selection of travel benefits and credits, including a monthly $10 dining credit and $100 airline fee credit.

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

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card
35,000 miles after spending $1,000 in the first 3 months
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 $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees
Apply now
View details
American Express® Gold Card
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Apply now
View details
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