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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.

Megan Horner

Updated Feb 9, 2021. What changed?

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The Delta SkyMiles® Gold American Express Card differs from the Southwest Rapid Rewards® Premier Credit Card by offering a welcome offer of 70,000 miles after you spend $2,000 within your first 3 months. The Southwest Rapid Rewards Premier card, however, offers a much stronger bonus of one Southwest companion pass good until 2/28/2022 plus 30,000 points after spending $5,000 in the first three months.

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

	Delta SkyMiles® Gold American Express Card See rates & fees	Southwest Rapid Rewards® Premier Credit Card 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	70,000 miles after spending $2,000 in the first 3 months	Earn Companion Pass® through 2/28/2022 plus 30,000 points after spending $5,000 in the first 3 months
Rewards
Rewards	2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases	2x points on Southwest Airlines 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	Read review

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		70,000 miles after spending $2,000 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 $840, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Premier Credit Card		Earn Companion Pass® through 2/28/2022 plus 30,000 points after spending $5,000 in the first 3 months	2x points on Southwest Airlines and 1x points on all other purchases	$99		Earn a hugely valuable signup bonus with Companion Pass® through 2/28/2022 plus 30,000 points after spending $5,000 in the first 3 months.	See offer View details	Compare	loading Fetching your data...

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Megan Horner

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

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