Edited by: Jessica Merritt
& Juan Ruiz
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The American Express® Gold Card and The Platinum Card® from American Express often get confused with the Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Platinum American Express Card. This is understandable because the cards have similar names, but the cards are actually quite different. Each has unique offerings of earning, redemption, and benefits.
Today, we’re focusing on 2 of these popular cards, the Amex Gold card and the Delta Gold card. We’ll clarify how each card earns rewards, what your options are for redeeming those rewards, and some of the travel and shopping benefits you can expect to receive with either card.
Join us as we compare these 2 popular American Express-issued cards to help you determine which may be the better match for your needs.
Before we dive into the details of our featured cards, let’s quickly summarize our comparison of the Amex Gold card and Delta Gold card.
Here are the core benefits of each card:
|American Express® Gold Card
|Delta SkyMiles® Gold American Express Card
|Earn 60,000 points when you spend $6,000 on purchases in the first 6 months.
|Earn 70,000 miles after you spend $3,000 in purchases in your first 6 months.
|2x miles on Delta purchases and at restaurants and U.S. supermarkets
|Delta and SkyTeam award flights, Delta seat upgrades, Delta Vacations, gift cards, magazines, merchandise, Apple products, charitable donations
|20% rebate as a statement credit for eligible inflight purchases
|Delta Air Lines Benefits
|Top Travel Benefits/Protections
|Top Shopping Benefits/Protections
|Amex Offers, purchase protection, extended warranty, complimentary ShopRunner membership
|$250 (rates & fees)
|$0 introductory annual fee for the first year, then $150 (rates & fees)
A welcome bonus is an opportunity to accumulate a large number of rewards in a short period of time. You’ll earn a welcome bonus on either card after meeting minimum spending requirements within the first 3 months after being approved for the card.
Membership Rewards points and Delta SkyMiles vary in value depending on which redemption option you utilize. We value Membership Rewards at 2.2 cents each and Delta SkyMiles at 1.2 cents each. But, ultimately, the actual value you receive will depend on how you choose to redeem your rewards.
Here’s a snapshot of the current welcome bonus you can expect on each of our featured cards:
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
This card provides bonus SkyMiles on all purchases, along with a free checked bag, priority boarding, and discounted award flights.
Frequent Delta flyers will love the Delta SkyMiles® Gold American Express Card. The card offers great benefits that will help save you money, effectively mimics low-level elite status with Delta SkyMiles, and helps you earn miles even faster, all for a low annual fee. Let’s dive into the benefits to see if the Delta Gold card is a good fit for your needs.
Whether you’re looking for a domestic plane ticket to travel across the U.S. or a business class experience across the ocean, you can use points and miles to accomplish these goals. How those rewards are earned will differ depending on your card selection.
Let’s look at how our featured cards differ when it comes to earning these rewards currencies:
|Bonus Earning Category
|Amex Gold Card
|Delta Gold Card
|3x points on flights booked directly with the airline or through AmexTravel.com
|2x miles on Delta purchases
|Restaurants and U.S. Supermarkets
|2x miles at restaurants and at U.S. supermarkets
|1x point on all other eligible purchases
|1x mile on all other eligible purchases
Earning a lot of rewards is great, but the real value of earning rewards surfaces at redemption time.
Here are the redemption options you’ll have with Membership Rewards compared to Delta SkyMiles:
|Amex Gold Card
|Delta Gold Card
|Transfer to Travel Partners
|Transfer Membership Rewards points to 20+ Amex transfer partners
|No transfer partners, but miles can be used to book award flights with SkyTeam member airlines
|Redeem for Flights
|Via AmexTravel.com for 1 cent in value per point
|With Delta and SkyTeam partners
|Additional Redemption Options
|Merchandise, gift cards, statement credits, upgrade with points, Pay With Points, book eligible travel via AmexTravel.com, charitable donations
|Gift cards, magazines, Delta Vacations, Delta Experiences, and charitable donations
Statement credits and spending offers provide direct value if you can use these offers.
When deciding on a new credit card, you’ll want to consider the annual fee and whether the card provides enough value to make paying that fee worthwhile. And if it’s important to have authorized users on your account, you’ll want to be aware of the cost of doing so.
Here’s how our featured cards stack up when it comes to annual fees and authorized users:
Travel benefits and protections can save you money and provide peace of mind during your travels.
Here’s how the cards compare in this category:
The Amex Gold card does not provide any specific flight benefits.
The Delta Gold card offers Delta-associated flight benefits, including:
Reserve and pay for your entire rental with either card, decline the rental agency’s CDW or LDW coverage, and receive secondary coverage for damage or theft of the rental car. Secondary coverage means that you must first file a claim with any other applicable insurance.
Fortunately, both cards offer the option to secure Amex Premium Protection for 1 price that covers the entire rental period. This coverage ranges from $12.95 to $24.95, depending on the location and coverage selected.
For trip delays of more than 12 hours, the Amex Gold card provides up to $300 of coverage for additional eligible expenses, up to 2 claims per eligible card per 12-month period. The Delta Gold card does not offer trip delay insurance.
Both cards offer lost or damaged luggage insurance that provides up to $1,250 for carry-on bags and $500 for checked bags. A $10,000 limit applies to New York residents.
If you’re an international traveler, either of these cards is great to have in your wallet:
Both the Amex Gold card and Delta Gold card come with benefits and protections that can save you money and provide protection for eligible items purchased with your card.
Both of our featured cards come with a valuable option for receiving discounts and additional earnings on select purchases. Amex Offers can save you hundreds, or even thousands, of dollars each year. When you log in to your online card account, you’ll see as many as 100 offers available. Add the offer to your card, make the associated purchase, and receive a statement credit or additional earnings.
Both cards offer purchase protection for eligible items purchased with the card for up to 90 days from the date of purchase for theft, loss, or damage. The Delta Gold card offers maximum coverage of $1,000 per eligible item, while the Amex Gold card offers maximum coverage of $10,000 per eligible item. Both cards have a purchase protection maximum of $50,000 per calendar year.
Both cards offer an additional 1 year of protection for eligible items purchased with your card with a manufacturer’s warranty of 5 years or less. Coverage is limited to $10,000 per item, up to $50,000 in a calendar year.
You’ll receive a complimentary ShopRunner membership with either card upon registration. Membership offers free 2-day shipping, free returns, and special offers with dozens of merchants.
While the Amex Gold card could be the winner if your spending mix includes supermarket, dining, and flight purchases, the Delta Gold card could deliver some value at a lower annual fee for the frequent Delta flyer.
If you’re willing to pay the higher fee on the Amex Gold card, you could receive greater earnings for certain expenditures.
If, for example, you spent $25,000 at a U.S. supermarket on the Amex Gold card, you would earn 100,000 Membership Rewards points that could be worth $2,200 (or more) in value when transferred to travel partners. When transferring points to partner Delta, you would receive 100,000 Delta SkyMiles. That same $25,000 spent at the supermarket on the Delta Gold card would earn just 50,000 SkyMiles, which is worth $600 by our valuations.
but you don’t receive Delta flight benefits on the Amex Gold card.
If you’re an avid Delta flyer, you may want to explore the best Delta-branded card options available, especially if elite status, flight benefits, Delta Sky Club access, or earning a lot of Delta SkyMiles are important to you.
If you’d like to learn more about how the Amex Gold card compares with other top travel rewards cards, check out these related articles where we dive deep into specific card comparisons.
For the car rental collision damage coverage benefit of the American Express® Gold Card and Delta SkyMiles® Gold American Express Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Delta SkyMiles® Gold American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
If you like to travel and you spend a lot at U.S. supermarkets and on dining out, the card could be more than worth it.
The card functions well as an everyday spending card, yet it offers earnings on select travel and presents high-value redemption opportunities.
The Amex Gold card does not offer airport lounge access. If worldwide lounge access is important to you, you’ll want to consider the Amex Platinum card, which offers worldwide access to more than 1,400 lounges, including the prestigious Centurion Lounges.
If you fly Delta even a few times a year, a Delta-branded credit card is worth it. The savings of having a free checked bag for you and your traveling companions alone could offset any annual fee.
Priority boarding, discounts on inflight purchases, earning miles for free flights, and Amex offers can offer additional value for the Delta Air Lines flyer.
While you cannot transfer Delta SkyMiles to other airlines, you can use your SkyMiles to book award flights with SkyTeam Alliance airline partners.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.