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Chase Freedom Unlimited® vs Delta SkyMiles® Gold American Express Card
This comparison aims to help users decide between the Chase Freedom Unlimited® and the Delta SkyMiles® Gold American Express Card. Both cards offer unique benefits tailored to different spending habits and travel preferences.
Card Overviews
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is designed for users who want a versatile cash back card with no annual fee. It offers a straightforward rewards structure and is ideal for those who frequently make purchases across various categories.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is perfect for frequent Delta travelers. It provides valuable travel benefits, including miles on Delta purchases and complimentary services that enhance the flying experience. The introductory annual fee makes it an attractive option for new cardholders.
Detailed Feature Comparison
| Feature | Chase Freedom Unlimited® | Delta SkyMiles® Gold American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 Introductory Annual Fee for the first year, then $150 |
| Welcome Bonus | Earn a $250 Bonus after spending $500 in the first 3 months | Earn 50,000 Bonus Miles after spending $2,000 in the first 6 months |
| Rewards Structure | 5% on travel through Chase Travel, 3% on drugstores and dining, 1.5% on all other purchases | 2X Miles on Delta purchases, U.S. supermarkets, and restaurants; 1X Miles on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No minimum to redeem cash back | $200 Delta Flight Credit after spending $10,000 in a calendar year |
| Additional Benefits | Free credit monitoring, no expiration on cash back | Free checked bag, 15% off when using miles, priority boarding |
Rewards Highlights
- 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.
Pros and Cons
Chase Freedom Unlimited®
- Pros:
- No annual fee
- Flexible cash back rewards
- Generous sign-up bonus
- No minimum redemption requirements
- Cons:
- Cash back is less valuable than travel rewards for frequent travelers
- Limited travel-specific benefits
Delta SkyMiles® Gold American Express Card
- Pros:
- Travel benefits for Delta flyers
- Free first checked bag
- Significant welcome bonus
- Discounts on award travel
- Cons:
- Annual fee after the first year
- Rewards primarily focused on Delta purchases
Who Should Consider Which Card?
The Chase Freedom Unlimited® is ideal for users who want a straightforward cash back card without an annual fee and who appreciate flexibility in their redemption options. It's suitable for those who make a wide variety of purchases across different categories.
The Delta SkyMiles® Gold American Express Card, on the other hand, is best for frequent Delta travelers who can take advantage of the travel perks and benefits it offers. If you often fly with Delta and value earning miles for travel-related expenses, this card may be a better fit.
Conclusion
When deciding between the Chase Freedom Unlimited® and the Delta SkyMiles® Gold American Express Card, consider your individual spending patterns and travel habits. Each card has unique advantages tailored to different preferences, so choose the one that aligns best with your financial goals.