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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.

Updated

Fact checked

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

35,000 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 Rates & Fees

Annual fee
Annual fee $0 intro annual fee the first year, then $99 $250
Balance transfer APR
Balance transfer APR 15.74% to 24.74% variable

See Rates & Fees

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

Which card should you choose?

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 35,000-point welcome offer after you spend $4,000 within your first 3 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 credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
The World of Hyatt Credit Card
25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
9x points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
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