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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 and the ability to earn 70,000 Bonus Miles after spending $2,000 in purchases on your new card in your first 3 months.

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: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.

60,000 points after spending $4,000 in the first 6 months
Rewards
Rewards

Earn 2X Miles on Delta purchases,at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Mile on all other eligible purchases.

4x Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x on flights booked directly with airlines or on amextravel.com
Purchase APR
Purchase APR

17.24% to 26.24% 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: 26.74% variable

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

APR: 25.99% 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
Interest-free period
Interest-free period 25 days 25 days
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Other
Learn more
Learn more

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