Compare up to 4 cards

2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	American Express Gold Card American Express · $325/yr	Delta SkyMiles Gold American Express Card American Express · $150/yr
Annual fee	$325	$150 Lowest Waived first year
Welcome offerCurrent public offer	As high as 100,000 points — offers vary	As high as 80,000 miles — offers vary
Rewards	American Express Membership Rewards	Delta SkyMiles
Foreign transaction fee	None	None
Network	American Express	American Express
Earn ratesPer $1 spent
Dining	4x Highest	2x
Grocery Stores	4x Highest	2x
Flights	3x Highest	1x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	—	$200 Delta flight credit $100 Delta Stays 20% inflight purchases · $20 per transaction
Rideshare & transit	$120 Uber Cash · $10 monthly	$10/mo rideshare · $10 monthly
Dining & delivery	$100 Resy credit · $50 every 6 months $120 dining credit · $10 monthly $84 Dunkin' credit · $7 monthly	—
Perks & access— means none on record
Hotel status & programs	$100 property credit at 1,300+ upscale hotels worldwide	—
Airline perks	—	First checked bag free for cardholder plus 8 companions Zone 5 Priority Boarding on Delta flights
Other perks	Amex Offers Early access to concerts and events 24/7 global travel assistance American Express Preferred Access Events with Amex & Presale Tickets No foreign transaction fees on international purchases	Amex Offers Early access to concerts and events 24/7 global travel assistance TakeOff 15 No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip Delay Insurance up to $300	—
Baggage	Baggage Insurance Plan up to $1,750	Baggage insurance up to $1,250 for carry-on items
Rental car	Secondary rental car insurance for damage and theft	Secondary car rental insurance coverage
Purchase & returns	Purchase Protection up to $10,000 per item for 90 days	Purchase protection for new items
Extended warranty	Extended Warranty up to one additional year · up to $10,000	Extended warranty adds 1 year to manufacturer warranty
Other protections	Zero liability protection on fraudulent charges Dispute Resolution and Fraud Protection	Zero liability protection on fraudulent charges
Pros & cons
Pros	4X points on dining worldwide - industry leading 4X at U.S. supermarkets up to $25k/year $424 in annual credits (face value) cover the $325 fee if you use at least $325 of them No foreign transaction fees Transfer to 19 airline and hotel partners	First checked bag free for you + 8 companions; second checked bag free on domestic Delta flights Priority boarding in Main Cabin 1 $120 rideshare credit ($10/month after first renewal; enrollment required) 2X miles on Delta, restaurants, and supermarkets No foreign transaction fees
Cons	$325 annual fee with no waived first year 4X grocery excludes Costco, Walmart, Target No lounge access included Limited non-food spending categories Amex acceptance less universal than Visa/MC	$150 annual fee after first year ($0 intro year) No companion certificate included No Delta Sky Club access Only 1X on most purchases SkyMiles have variable redemption value
	Card details	Card details

American Express Gold Card
American Express · $325/yr
Delta SkyMiles Gold American Express Card
American Express · $150/yr

Overview

Annual fee: American Express Gold Card
$325
Delta SkyMiles Gold American Express Card
$150
Lowest
Waived first year
Welcome offerCurrent public offer: American Express Gold Card
As high as 100,000 points — offers vary
Delta SkyMiles Gold American Express Card
As high as 80,000 miles — offers vary
Rewards: American Express Gold Card
American Express Membership Rewards
Delta SkyMiles Gold American Express Card
Delta SkyMiles
Foreign transaction fee: American Express Gold Card
None
Delta SkyMiles Gold American Express Card
None
Network: American Express Gold Card
American Express
Delta SkyMiles Gold American Express Card
American Express

Earn ratesPer $1 spent

Dining: American Express Gold Card
4x
Highest
Delta SkyMiles Gold American Express Card
2x
Grocery Stores: American Express Gold Card
4x
Highest
Delta SkyMiles Gold American Express Card
2x
Flights: American Express Gold Card
3x
Highest
Delta SkyMiles Gold American Express Card
1x
Everything else: American Express Gold Card
1x
Delta SkyMiles Gold American Express Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: American Express Gold Card
—
Delta SkyMiles Gold American Express Card
$200 Delta flight credit
$100 Delta Stays
20% inflight purchases · $20 per transaction
Rideshare & transit: American Express Gold Card
$120 Uber Cash · $10 monthly
Delta SkyMiles Gold American Express Card
$10/mo rideshare · $10 monthly
Dining & delivery: American Express Gold Card
$100 Resy credit · $50 every 6 months
$120 dining credit · $10 monthly
$84 Dunkin' credit · $7 monthly
Delta SkyMiles Gold American Express Card
—

Perks & access— means none on record

Hotel status & programs: American Express Gold Card
$100 property credit at 1,300+ upscale hotels worldwide
Delta SkyMiles Gold American Express Card
—
Airline perks: American Express Gold Card
—
Delta SkyMiles Gold American Express Card
First checked bag free for cardholder plus 8 companions
Zone 5 Priority Boarding on Delta flights
Other perks: American Express Gold Card
Amex Offers
Early access to concerts and events
24/7 global travel assistance
American Express Preferred Access
Events with Amex & Presale Tickets
No foreign transaction fees on international purchases
Delta SkyMiles Gold American Express Card
Amex Offers
Early access to concerts and events
24/7 global travel assistance
TakeOff 15
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: American Express Gold Card
Trip Delay Insurance up to $300
Delta SkyMiles Gold American Express Card
—
Baggage: American Express Gold Card
Baggage Insurance Plan up to $1,750
Delta SkyMiles Gold American Express Card
Baggage insurance up to $1,250 for carry-on items
Rental car: American Express Gold Card
Secondary rental car insurance for damage and theft
Delta SkyMiles Gold American Express Card
Secondary car rental insurance coverage
Purchase & returns: American Express Gold Card
Purchase Protection up to $10,000 per item for 90 days
Delta SkyMiles Gold American Express Card
Purchase protection for new items
Extended warranty: American Express Gold Card
Extended Warranty up to one additional year · up to $10,000
Delta SkyMiles Gold American Express Card
Extended warranty adds 1 year to manufacturer warranty
Other protections: American Express Gold Card
Zero liability protection on fraudulent charges
Dispute Resolution and Fraud Protection
Delta SkyMiles Gold American Express Card
Zero liability protection on fraudulent charges

Pros & cons

Pros: American Express Gold Card
4X points on dining worldwide - industry leading
4X at U.S. supermarkets up to $25k/year
$424 in annual credits (face value) cover the $325 fee if you use at least $325 of them
No foreign transaction fees
Transfer to 19 airline and hotel partners
Delta SkyMiles Gold American Express Card
First checked bag free for you + 8 companions; second checked bag free on domestic Delta flights
Priority boarding in Main Cabin 1
$120 rideshare credit ($10/month after first renewal; enrollment required)
2X miles on Delta, restaurants, and supermarkets
No foreign transaction fees
Cons: American Express Gold Card
$325 annual fee with no waived first year
4X grocery excludes Costco, Walmart, Target
No lounge access included
Limited non-food spending categories
Amex acceptance less universal than Visa/MC
Delta SkyMiles Gold American Express Card
$150 annual fee after first year ($0 intro year)
No companion certificate included
No Delta Sky Club access
Only 1X on most purchases
SkyMiles have variable redemption value

Card details

401 Popular Comparisons