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American Express® Gold Card vs Delta SkyMiles® Gold American Express Card
This comparison aims to help users decide between the American Express® Gold Card and the Delta SkyMiles® Gold American Express Card. Both cards offer unique benefits tailored to different types of users, making it essential to understand their features and advantages.
Card Overviews
American Express® Gold Card
The American Express® Gold Card is designed for those who enjoy dining out and shopping at supermarkets. It offers a robust rewards program, ideal for food enthusiasts and frequent travelers looking to earn valuable Membership Rewards® points.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is tailored for Delta Airlines frequent flyers. It provides benefits that enhance the travel experience, particularly for those who regularly fly with Delta, offering savings and rewards on flights and travel-related purchases.
Detailed Feature Comparison
| Feature | American Express® Gold Card | Delta SkyMiles® Gold American Express Card |
|---|---|---|
| Annual Fee | $325 | $0 introductory annual fee for the first year, then $150 |
| Welcome Bonus | 60,000 Membership Rewards® Points after spending $6,000 in first 6 months | 50,000 Bonus Miles after spending $2,000 in first 6 months |
| Rewards Structure | 4X points at restaurants and supermarkets, 3X on flights, 2X on prepaid hotels, 1X on other purchases | 2X Miles on Delta purchases, U.S. supermarkets, and restaurants; 1X on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Uber Cash, Dunkin' Credit, Resy Credit, Dining Credit, The Hotel Collection | Free first checked bag, priority boarding, Delta Flight Credit, Delta Stays Credit |
Rewards Highlights
American Express® Gold Card
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Delta SkyMiles® Gold American Express Card
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
- Earn 1X Miles on all other eligible purchases.
Pros and Cons
American Express® Gold Card
- Pros:
- High rewards rate on dining and supermarkets.
- Generous welcome bonus.
- Multiple dining and travel credits.
- Cons:
- High annual fee.
- Requires significant spending to maximize rewards.
Delta SkyMiles® Gold American Express Card
- Pros:
- Low introductory annual fee.
- Benefits specifically for Delta flyers.
- Free checked bag on Delta flights.
- Cons:
- Lower rewards rate compared to other cards.
- Limited to Delta-related benefits.
Who Should Consider Which Card?
The American Express® Gold Card is ideal for individuals who frequently dine out or shop at supermarkets and wish to earn substantial rewards points for their everyday spending. Conversely, the Delta SkyMiles® Gold American Express Card is better suited for travelers who fly with Delta Airlines often and want to take advantage of airline-specific perks and savings.
Conclusion
Ultimately, choosing between the American Express® Gold Card and the Delta SkyMiles® Gold American Express Card depends on your personal spending habits and travel preferences. Consider your lifestyle and how each card's features align with your financial goals before making a decision.