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Delta SkyMiles® Gold American Express Card vs Delta SkyMiles® Platinum Business American Express Card
This comparison aims to help you decide between the Delta SkyMiles® Gold American Express Card and the Delta SkyMiles® Platinum Business American Express Card. Both cards cater to frequent Delta travelers but differ in features, fees, and rewards structures. Understanding these differences will guide you in selecting the card that best aligns with your travel and spending habits.
Delta SkyMiles® Gold American Express Card Overview
The Delta SkyMiles® Gold American Express Card is designed for individual travelers who frequently fly with Delta Airlines. It offers a low introductory annual fee and valuable benefits tailored for leisure travelers, such as free checked bags and discounts on award travel.
Delta SkyMiles® Platinum Business American Express Card Overview
The Delta SkyMiles® Platinum Business American Express Card is aimed at small business owners who travel often with Delta. This card provides a higher rewards rate on business-related expenses, along with additional perks like a companion certificate and statement credits for hotel bookings and rideshare services.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Gold American Express Card | Delta SkyMiles® Platinum Business American Express Card |
|---|---|---|
| Annual Fee | $0 introductory annual fee for the first year, then $150 | $350 |
| Welcome Bonus | Earn 50,000 Bonus Miles after spending $2,000 in eligible purchases in first 6 months | Earn 70,000 Bonus Miles after spending $6,000 in purchases in first 6 months |
| Rewards Structure | 2X Miles on Delta purchases, U.S. supermarkets, and restaurants; 1X on other purchases | 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Free checked bag, priority boarding, $200 Delta Flight Credit | Companion certificate, up to $200 statement credit for hotels, MQD Headstart |
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.
Delta SkyMiles® Platinum Business American Express Card
- Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Pros and Cons
Delta SkyMiles® Gold American Express Card
- Pros:
- Lower annual fee with an introductory offer
- Free checked bags on Delta flights
- 15% discount on award travel
- Cons:
- Lower welcome bonus compared to business card
- Fewer business-oriented benefits
Delta SkyMiles® Platinum Business American Express Card
- Pros:
- Higher welcome bonus and rewards rate on eligible business purchases
- Companion certificate enhances travel value
- Additional credits for rideshare and dining
- Cons:
- Higher annual fee
- More complex rewards structure
Who Should Consider Which Card?
- Delta SkyMiles® Gold American Express Card: Best for individual travelers who fly with Delta occasionally and want a low-cost card with straightforward benefits.
- Delta SkyMiles® Platinum Business American Express Card: Ideal for business owners or frequent travelers who can maximize the higher rewards rate and additional perks that cater to business expenses.
Conclusion
In conclusion, both the Delta SkyMiles® Gold American Express Card and the Delta SkyMiles® Platinum Business American Express Card offer valuable rewards and benefits tailored for Delta travelers. Your choice should depend on your travel frequency, spending habits, and whether you prefer a lower annual fee or enhanced business features. Evaluate your personal needs to make the best decision for your financial goals.