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Delta SkyMiles® Gold American Express Card vs Chase Sapphire Reserve®

Two very different travel cards with a big difference in cost and perks.

The winner: Chase Sapphire Reserve®

60,000-point

Signup bonus after spending $4,000 in first 3 months

  • Not just for travel: Get DoorDash perks,10x points on Lyft and 3x on dining
  • Signup bonus worth $900 with Chase Ultimate Rewards
  • $300 annual travel credit
Apply now
The Delta SkyMiles® Gold American Express Card and the Chase Sapphire Reserve® are completely different credit cards. The Delta one is a mid-tier airline card that costs $99 from the second year and offers perks like free checked bags and priority boarding, while the Chase Sapphire Reserve® is a premium travel card with a $550 annual fee and premium perks like a $300 annual travel credit, Priority Pass lounge access, TSA PreCheck or Global entry application fee credit and more.

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

Terms apply, see rates & fees

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.0 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Delta rewards and perks with a low annual fee
  • Incredible signup bonus and premium travel perks
Welcome offer
Welcome offer

Earn 40,000 bonus miles after you spend $1,000 in purchases on your new card in your first 3 months, plus up to $50 back in statement credits for eligible purchases at US restaurants in the same timeframe

60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.

Rewards
Rewards

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

10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Purchase APR
Purchase APR

15.74% to 24.74% variable

16.99% to 23.99% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $99 $550
Balance transfer APR
Balance transfer APR

N/A

16.99% to 23.99% 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 $75
Interest-free period
Interest-free period 25 days 21 days
Minimum credit score
Minimum credit score 670 740
Card type
Card type Credit Credit
Learn more
Learn more

Read review

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Compare Delta SkyMiles® Gold American Express Card vs. Chase Sapphire Reserve®

Name Product Welcome offer Rewards Annual fee Filter values
Delta SkyMiles® Gold American Express Card
Earn 40,000 bonus miles after you spend $1,000 in purchases on your new card in your first 3 months, plus up to $50 back in statement credits for eligible purchases at US restaurants in the same timeframe
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 $560, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Terms apply, see rates & fees
Chase Sapphire Reserve®
60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
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 a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
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