Gold Delta SkyMiles® vs Southwest Rapid Rewards Premier | finder.com

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

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Mid-tier airline credit cards for the frequent flyer.

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 after your first Delta purchase in the same timeframe 60,000 bonus points after spending $2,000 on purchases in the first 3 months
Rewards
Rewards

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

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

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

17.99% to 26.99% variable

18.24% to 25.24% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $95 $99
Balance transfers
Balance transfers APR: 17.99% to 26.99% variable

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

APR: 18.24% to 25.24% variable

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

Cash advance
Cash advance

APR: 27.49% variable

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

APR: 27.24% 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 $38 Up to $37
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

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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
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
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
$450
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you spend $5,000 in purchases on your new card in your first 3 months. Rates & fees
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% 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
1x points on all purchases with 2% point value when you redeem for airfare or cash back
17.24% variable
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
17.24% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.

Compare up to 4 providers

Compare top American Express cards

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