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Delta SkyMiles® Gold American Express Card vs. Delta SkyMiles® Platinum American Express Card

Both cards are fine choices if you often fly Delta.

Updated

Fact checked

Pick the Delta SkyMiles® Gold American Express Card if you want Delta perks — such as priority boarding and your first checked bag free per flight — for a $99 ongoing annual fee after the first-year intro. Go with the $250-annual-fee Delta SkyMiles® Platinum American Express Card if you want those benefits in addition to Status Boost and an annual Domestic Main Cabin round-trip companion certificate.

As of January 30, 2020, the cards have diverged further: The lower-priced option offers a $100 Delta Flight Credit after you spend $10,000 in a calendar year, and the other will offer 3x miles on hotel stays and Delta spending.

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

Rates & Fees

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.0 / 5.0

★★★★★

4.0 / 5.0
Best for
Best for
  • Delta rewards and perks with a low annual fee
  • Delta perks with a stellar welcome offer
Welcome offer
Welcome offer

35,000 miles after spending $1,000 in the first 3 months

40,000 miles and 5,000 MQMs after spending $2,000 in the first 3 months plus $100 after making a Delta purchase in the first 3 months

Rewards
Rewards

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

3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases

Purchase APR
Purchase APR

15.74% to 24.74% variable

15.74% to 24.74% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $99 $250
Balance transfer APR
Balance transfer APR 15.74% to 24.74% variable

15.74% to 24.74% variable

Cash advance
Cash advance

APR: 25.24% variable

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

APR: 25.24% 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 $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Which card should you choose?

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

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

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

  • Check your first bag for free
  • Strong welcome offer
  • Priority boarding

What’s next?

Both cards are great choices for Delta regulars. If you’re choosing between them, consider whether you want an annual companion certificate or think you’ll qualify for the Status Boost. If either is the case, you may want the Delta SkyMiles® Platinum American Express Card.

If you’re not convinced about either card, there are many other airline-branded and travel cards to compare.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
The World of Hyatt Credit Card
25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
9x points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
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Compare more American Express credit cards

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