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Delta SkyMiles® Gold American Express Card vs Southwest Rapid Rewards® Premier Credit Card

Mid-tier airline credit cards for the frequent flyer.

The winner: Southwest Rapid Rewards® Premier Credit Card

40,000-point

Signup bonus after spending $1,000 in first 3 months

  • Good for occasional Southwest flyers
  • Huge signup bonus worth thousands of dollars
  • Get 6,000 points each card anniversary
See offer

The Delta SkyMiles® Gold American Express Card differs from the Southwest Rapid Rewards® Premier Credit Card by offering a welcome offer of 40,000 miles after you spend $1,000 within your first 3 months, plus earn up to $50 back in statement credit for eligible purchases at US restuarants with your card for the first three months of card membership. The Southwest Rapid Rewards Premier card, however, offers 40,000 points after spending $1,000 in the first 3 months, plus earns 3x points on dining, including eligible delivery and takeout, for your first year. This doesn’t have the same immediate punch as the Capital One offering, but the extra earning on dining can pay off over the long run.

Find out more details about the two cards in the comparison table below.

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

Terms apply, see rates & fees

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.0 / 5.0

★★★★★

3.6 / 5.0
Best for
Best for
  • Delta rewards and perks with a low annual fee
  • Earning anniversary miles
Welcome offer
Welcome offer

Earn 40,000 bonus miles after spending $1,000 in the first 3 months.
Also, earn up to $50 back in statement credits for purchases at US restaurants within the first 3 months of membership

40,000 points after spending $1,000 in the first 3 months, plus 3x points on dining, including takeout and eligible delivery services, for the first year

Rewards
Rewards

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

2x points on Southwest 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 $99
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

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Compare Delta SkyMiles® Gold American Express Card vs. Southwest Rapid Rewards® Premier Credit Card

Name Product Welcome offer Rewards Annual fee Filter values
Delta SkyMiles® Gold American Express Card
Earn 40,000 bonus miles after spending $1,000 in the first 3 months.
Also, earn up to $50 back in statement credits for purchases at US restaurants within the first 3 months of membership
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other eligible purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership
Southwest Rapid Rewards® Premier Credit Card
40,000 points after spending $1,000 in the first 3 months, plus 3x points on dining, including takeout and eligible delivery services, for the first year
2x points on Southwest and 1x points on all other purchases
$99
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3x points on dining, including takeout and eligible delivery services, for the first year.
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