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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.

Updated

Fact checked

The winner: Chase Sapphire Reserve®

Chase Sapphire Reserve® logo

50,000-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 $750 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

Rates & Fees

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Rates & Fees

finder.com's rating
finder.com's 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

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

50,000 points after spending $4,000 in the first 3 months

Rewards
Rewards

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

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

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

Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Signup bonus. Earn 50,000 bonus points when you spend $4,000 in your first 3 months of card membership. This is worth $750 if you redeem through the Chase Ultimate Rewards travel portal.
  • Earn rewards points. Earn 3x points on travel and dining at restaurants worldwide and 1x points on all other purchases. The 3x points can be worth 4.5% back if redeemed on travel purchases through the Chase Ultimate Rewards. You also earn 10x points on Lyft purchases until March 2022. This can be worth up to 15% back in travel purchases via the Chase Ultimate Rewards portal.
  • Annual travel credit. Get $300 in statement credit as reimbursement for your travel purchases every year on your card account anniversary.

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

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Delta SkyMiles® Gold American Express Card
35,000 miles after spending $1,000 in the first 3 months
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 $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. 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
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
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