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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

50,000 miles after spending $2,000 in the first 3 months

60,000 miles and 5,000 MQMs after spending $3,000 in the first 3 months

Rewards
Rewards

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

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

Read review

Read review

Summary of card features

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
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
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 $1,000. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn 4x points at restaurants worldwide. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Hilton Honors American Express Card
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
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.
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