Delta SkyMiles Gold Card vs. Amex Gold

Picking a new credit card isn’t always easy, and that’s especially true when you’re trying to decide between the best airline credit cards and the best travel credit cards. With co-branded airline cards, you may have the chance to score frequent flyer perks, such as free checked bags and priority boarding. However, flexible travel cards tend to come with more general benefits, and you can use your points in a multitude of ways.

One common airline vs. travel card comparison is the Delta SkyMiles® Gold American Express Card versus the American Express® Gold Card. Both of these credit cards can be lucrative in their own right. However, they each shine (and fall short) in different areas.

If you like the idea of both cards but can’t seem to decide between them, read on to learn more — including how each one could help you score free travel and other exciting perks.

Main card details

Delta SkyMiles Gold vs. Amex Gold highlights

As you try to decide which one of these cards might work better for your needs, consider how each one stands out in the following categories:

Welcome bonus winner

Amex Gold

• Why it won

  The Amex Gold card’s welcome offer is personalized, so you might be eligible for as high as 100,000 Membership Rewards points by completing the welcome offer requirements. But that also means you might be eligible for a smaller offer or no offer at all, and you won’t know until you apply. American Express Membership Rewards can be worth up to 2.0 cents each, according to Bankrate’s valuations, making the American Express Gold Card’s potentially 100,000-point welcome offer (earned after spending $6,000 in the first six months) worth $2,000.

  Comparatively, the SkyMiles Gold card has an offer of: Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025. This is worth about $800, based on our valuation of miles earned in the Delta SkyMiles frequent flyer program of 1.2 cents, on average.

  However, it’s worth noting that SkyMiles Gold cardholders only have to spend $2,000 within their first six months of card opening to earn the welcome bonus, rather than spending $6,000 for the Amex Gold. That comes out to about $333 per month, compared to the Amex Gold’s much higher $1,000 monthly spending requirement.

Rewards rate winner

Amex Gold

• Why it won

  The earning rate on the American Express Gold Card is far superior, considering this card gives you 4X Membership Rewards points at restaurants worldwide on up to $50,000 spent (then 1X points) and on up to $25,000 spent on groceries at U.S. supermarkets each year (then 1X points), 3X points on flights booked directly with airlines or on AmexTravel.com, 2X points on prepaid hotels booked through AmexTravel.com and 1X points on everything else.

  The Delta SkyMiles Gold American Express Card offers a maximum of 2X miles in its bonus categories, which include Delta purchases, groceries at U.S. supermarkets and purchases at restaurants worldwide (including takeout and delivery in the U.S.).

Annual Fee winner

Delta SkyMiles Gold

• Why it won

  The Delta SkyMiles Gold wins in this category, considering it charges a $0 introductory annual fee for the first year, then $150. annual fee, which is waived the first year.

  While the rewards categories above are important, you’ll spend a lot more to carry the Amex Gold Card than you will the Delta SkyMiles Gold. And, the Amex Gold Card’s $325 annual fee isn’t waived the first year.

Which card earns the most?

The amount of rewards you can earn depends on your spending habits and the way you use your card. However, the following spending example shows how much an average family might earn with either card.

Delta SkyMiles Gold vs. Amex Gold spending example

Imagine you’re the average family of four with two kids ages 12 and 13. According to the United States Department of Agriculture (USDA), you might spend an average of $17,436 per year ($1,453 per month) on groceries while following a moderate budget.

Let’s also imagine you spend $4,800 per year ($400 per month) on dining out (including takeout and delivery), $4,000 on flights booked directly with Delta each year and $12,000 per year ($1,000 per month) on miscellaneous purchases. Here’s how your rewards earnings would pan out for both cards:

With the Delta SkyMiles Gold, you would earn 64,472 miles — worth approximately $774 within a year — at a 2.0-cent average point valuation. With the American Express Gold Card, you would earn 112,944 Membership Rewards points — worth up to $2,259 — within a year, at a 2.0 cents average point valuation.

As you can see, even after accounting for the Amex Gold’s $325 annual fee, your annual earnings could still be worth up to $1,934, notably higher than the Delta SkyMiles Gold’s earnings.

Why should you get the Delta SkyMiles Gold?

With the prior spending example set aside, there are other compelling reasons to pick up the Delta SkyMiles Gold. Consider the following benefits and how they might work in your favor.

• Additional benefits

  Delta SkyMiles Gold American Express Card benefits include priority boarding, 20 percent statement credit back on in-flight purchases made with Delta and a free first-checked bag. Considering checked bags with Delta start at $35 each way (and the free first checked bag benefit applies to up to nine people on the same reservation), the average family of four could save $280 per round-trip flight with this perk alone if each person travels with a checked bag.

  You’ll also receive a $200 Delta flight credit to be used for future travel after spending $10,000 in purchases on the card in a calendar year. Plus, you’ll get a $100 yearly statement credit for prepaid hotels or vacation rentals booked through Delta Stays.

  In addition to its Delta-specific perks, the Delta SkyMiles Gold comes with some generic travel benefits, like baggage insurance and car rental loss and damage insurance, when you use your card to pay for the ticket or rental.

• Redemption options

  The Delta SkyMiles program lets you redeem your rewards for flights with Delta and SkyTeam partners to more than 1,000 destinations around the world. You can also redeem miles for seat upgrades, Delta Vacations, SkyMiles Experiences and more.

  With the Delta SkyMiles Gold, you’ll receive 15 percent off when booking a Delta-operated award flight with miles through your SkyMiles account. The discount will be automatically reflected on eligible flights, but doesn’t apply to partner-operated flights or taxes and fees.

• Recommended credit score

  Individuals need good or excellent credit to qualify for the Delta SkyMiles Gold. This typically entails a FICO credit score of 670 or higher, although individuals with scores of 700 or better may be more likely to qualify.

Why should you get the Amex Gold?

While it charges a $325 annual fee, there are plenty of reasons the Amex Gold is well worth it. Consider the following perks the card offers:

• Additional benefits

  Amex Gold benefits include an annual dining credit worth up to $120 (up to $10 monthly, enrollment required) for purchases made at select merchants, up to $100 in credit with the Hotel Collections when you book at least two consecutive nights through AmexTravel.com and up to $120 annually in Uber Cash ($10 per month).

  Cardholders also qualify for extended warranties on eligible items that come with a manufacturer’s warranty, as well as purchase protection against damage or theft. The card also comes with travel protections, like baggage insurance and car rental loss and damage insurance.

• Redemption options

  American Express Membership Rewards points are considerably more flexible than Delta SkyMiles. You can use these points to book flights and other travel through American Express Travel, but you can also transfer your points at a (typically) 1:1 ratio to American Express’s transfer partners — a list that includes Delta as well as other frequent flyer and hotel loyalty programs.

  Other redemption options include gift cards, merchandise, statement credits and more. However, these options typically offer far lower value than redeeming your points for travel.

• Recommended credit score

  Individuals need good or excellent credit to qualify for the Delta SkyMiles Gold. This typically entails a FICO credit score of 670 or higher, although individuals with scores of 700 or better may be more likely to qualify.

The bottom line

There are plenty of reasons to consider either of these popular travel credit cards, but the right option for you boils down to the annual fee you’re comfortable with and the perks you want the most. While the Delta SkyMiles Gold stands out in terms of the Delta-specific benefits and welcome bonus, the Amex Gold offers a better earning rate on everyday purchases, more flexible rewards and dining-related perks.

Note that if you haven’t had these cards already, you could potentially sign up for both and get the best of both worlds. There are also other American Express credit cards to check out, as well as a handful of Delta Air Lines credit cards worth exploring.