Network

Key Benefits

Pros

• +No annual fee makes it easy to keep long-term
• +2x miles on Delta purchases and restaurants worldwide
• +20% back on in-flight Delta purchases
• +No foreign transaction fees
• +Pay with Miles feature for partial flight redemptions

• +No annual fee ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

Cons

• −No free checked bag or priority boarding
• −Weak 10,000 mile welcome bonus compared to premium Delta cards
• −1x on non-category spend limits earning potential
• −Rewards locked in Delta SkyMiles (no transfer partners)
• −No elite status boost or companion certificate

• −Only Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard

Network

Key Benefits

Pros

• +No annual fee makes it easy to keep long-term
• +2x miles on Delta purchases and restaurants worldwide
• +20% back on in-flight Delta purchases
• +No foreign transaction fees
• +Pay with Miles feature for partial flight redemptions

• +No annual fee ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

Cons

• −No free checked bag or priority boarding
• −Weak 10,000 mile welcome bonus compared to premium Delta cards
• −1x on non-category spend limits earning potential
• −Rewards locked in Delta SkyMiles (no transfer partners)
• −No elite status boost or companion certificate

• −Only Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard

Network

Key Benefits

Pros

• +No annual fee makes it easy to keep long-term
• +2x miles on Delta purchases and restaurants worldwide
• +20% back on in-flight Delta purchases
• +No foreign transaction fees
• +Pay with Miles feature for partial flight redemptions

• +No annual fee ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

Cons

• −No free checked bag or priority boarding
• −Weak 10,000 mile welcome bonus compared to premium Delta cards
• −1x on non-category spend limits earning potential
• −Rewards locked in Delta SkyMiles (no transfer partners)
• −No elite status boost or companion certificate

• −Only Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard