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

Mid-tier airline credit cards for the frequent flyer.

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The Gold Delta SkyMiles® Credit Card from American Express differs from the Southwest Rapid Rewards® Premier Credit Card by offering a $0 intro annual fee for the first year, reverting to $95 thereafter (see rates & fees). The Southwest Rapid Rewards Premier card, however, starts with a $99 annual fee right off the bat. But if you often travel overseas, the Southwest Rapid Rewards Premier being a Visa could be more useful.

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

Gold Delta SkyMiles® Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

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

60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe

40,000 points after spending $1,000 in the first 3 months plus 20,000 points after spending $12,000 in the first 12 months

Rewards
Rewards

2x miles on Delta purchases and 1x miles on all other purchases

2x points on Southwest Airlines and 1x points on all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

17.49% to 26.49% variable

17.99% to 24.99% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $95 $99
Balance transfers
Balance transfers APR: 17.49% to 26.49% variable

Fee: $5 or 3% of the transaction, whichever is greater

APR: 17.99% to 24.99% variable

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

Cash advance
Cash advance

APR: 26.99% variable

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

APR: 26.99% 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 $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

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Which card should you choose?

Gold Delta SkyMiles® Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

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

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

  • $99 annual fee
  • Earn 6,000 anniversary points each year
  • Earn reward flights with no blackout dates
  • No foreign transaction fees

Compare travel credit cards

Name Product Filter values Rewards Purchase APR Annual fee
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
16.74% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
N/A
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.49% to 26.49% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
18.99% to 25.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
18.49% to 25.49% variable
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.

Compare up to 4 providers

Compare top American Express cards

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