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Blue Cash Everyday® Card from American Express vs Delta SkyMiles® Gold American Express Card
Introduction
This comparison aims to help you decide between the Blue Cash Everyday® Card from American Express and the Delta SkyMiles® Gold American Express Card. Both cards offer unique benefits tailored to different spending habits and rewards preferences, making it essential to evaluate their features closely.
Card Overviews
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card is designed for everyday spenders who want to earn cash back on common purchases without an annual fee. Its rewards structure is particularly beneficial for families and individuals who shop frequently at supermarkets, gas stations, and online retailers.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is targeted towards frequent travelers, especially those who fly with Delta Airlines. It offers valuable travel rewards, including bonus miles, travel credits, and perks that enhance the flying experience, making it ideal for those who prioritize travel rewards.
Detailed Feature Comparison
| Feature | Blue Cash Everyday® Card | Delta SkyMiles® Gold Card |
|---|---|---|
| Annual Fee | $0 | $0 introductory for the first year, then $150 |
| Welcome Bonus | Earn a $200 statement credit after spending $2,000 in the first 6 months | Earn 50,000 Bonus Miles after spending $2,000 in the first 6 months |
| Rewards Structure | 3% Cash Back at U.S. supermarkets, online retailers, and gas stations (up to $6,000 per year), then 1% | 2X Miles on Delta purchases, U.S. supermarkets, and restaurants; 1X Miles on other purchases |
| Foreign Transaction Fee | 3% | None |
| Other Fees | Late Payment Fee, Returned Payment Fee | Late Payment Fee, Returned Payment Fee |
| Additional Benefits | Cash back can be redeemed as statement credits or at Amazon.com checkout | Free checked bag on Delta flights, priority boarding, Delta Flight Credit |
Rewards Highlights
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 Mile on all other eligible purchases.
Blue Cash Everyday® Card from American Express
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- 1% Cash Back on other purchases.
Pros and Cons
Blue Cash Everyday® Card from American Express
- Pros: No annual fee, generous cash back on everyday purchases, flexible redemption options.
- Cons: Cash back may not be as valuable for travel rewards, foreign transaction fees apply.
Delta SkyMiles® Gold American Express Card
- Pros: Valuable travel rewards, no foreign transaction fees, benefits for Delta flyers.
- Cons: Annual fee after the first year, rewards are primarily useful for Delta travel.
Who Should Consider Which Card?
If you frequently shop at supermarkets, gas stations, and online retailers, the Blue Cash Everyday® Card from American Express may be the best choice for you, offering significant cash back on everyday purchases. On the other hand, if you are a frequent Delta traveler and value travel perks such as free checked bags and priority boarding, the Delta SkyMiles® Gold American Express Card would be more beneficial.
Conclusion
Ultimately, your decision should hinge on your individual spending patterns and financial goals. Both cards offer distinct advantages tailored to different lifestyles—whether maximizing cash back on everyday spending or earning travel rewards for your next trip.