Amex Gold Card vs. Delta Platinum Card [Detailed Comparison]

American Express does a superb job of offering a variety of rewards-earning cards that can fit nearly every consumer’s lifestyle and spending mix. Today we’re looking at just 2 of these popular cards that, while different in many ways, also share some common attributes.

The American Express^® Gold Card and the Delta SkyMiles^® Platinum American Express Card can provide value for the frequent traveler, but one card may be a better fit for you over the other.

Whether you’re a Delta frequent flyer looking for a card to compliment your airline loyalty program or a traveler who flies a variety of airlines (including Delta), today’s comparison highlights how each card earns rewards, your options at redemption time, and the benefits you can expect to receive.

Hang with us as we look at how each card can add great value for the right cardholder.

Amex Gold Card vs. Delta Platinum Card — Overview

With so much information to digest, it can be helpful to provide a side-by-side comparison to help you sort out the long list of card attributes.

Here’s how the Amex Gold card and Delta Platinum card compare in each category:

This list is just a sampling of the core benefits that come with our featured cards. You’ll want to consult the Guide to Benefits for each card for detailed descriptions and additional terms and conditions.

Some benefits require registration, adding your eligible card as a default payment, or there may be minimum spending requirements. Please review these requirements prior to executing any of the mentioned offers.

Hot Tip: Check out more of our detailed comparisons with a head-to-head look at The Platinum Card^® from American Express vs. the Delta Platinum card and the Amex Gold card vs. the Delta SkyMiles^® Gold American Express Card.

The Value of a Welcome Bonus Offer

Both the Amex Gold card and Delta Platinum card offer the opportunity to earn a large number of rewards in the first few months after card approval when meeting minimum spending requirements.

The value of these welcome offers can vary depending on your chosen redemption option, but because of flexibility, we value Membership Rewards earned on the Amex Gold card to be more valuable than SkyMiles earned on the Delta Platinum card.

We’ll talk shortly about how both rewards currencies can be redeemed for plenty of travel options, but first, here’s a snapshot of current welcome bonuses you can expect to receive on our featured cards:

Amex Gold Card

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 + up to $100 back. (This targeted offer was independently researched and may not be available to all applicants.)

Delta Platinum Card

Bottom Line: Both of our featured cards come with generous welcome bonuses that can be earned in the first months after card approval. While Membership Rewards are generally more valuable than SkyMiles, the actual value of your welcome bonus will depend on how you redeem your rewards. 

Membership Rewards Points vs. Delta SkyMiles

The Amex Gold card earns Membership Rewards points while the Delta Platinum card earns Delta SkyMiles. Redemption options also differ.

Let’s look closer at how each of the cards earns rewards and the options you’ll have at redemption time.

Earning

While you’ll earn rewards on every purchase you make with either card, specific bonus categories can accelerate your earnings.

Here’s how the cards compare when earning rewards in bonus category spending and on all other purchases:

Bottom Line: The Amex Gold card offers strong earnings on flights, at restaurants, and at U.S. supermarkets, while the Delta Platinum card’s strongest earnings are on Delta flights and hotels. 

Redeeming

The Amex Gold card earns flexible Membership Rewards points that can be transferred to travel partners for excellent potential value. The Delta frequent flyer, however, will find plenty of useful travel redemption options for SkyMiles earned on the Delta Platinum card.

Here are the options for redeeming those hard-earned points and miles:

All redemption options are not created equal. To learn more about how to receive good value for your points and miles, you’ll enjoy our articles on the best ways to redeem your Membership Rewards points and some of the best redemption options for your Delta SkyMiles.

Bottom Line: The best redemption option for Membership Rewards points may be realized by transferring points to airline partners to purchase award flights. Delta SkyMiles are not as flexible, but good value can still be found when redeeming miles for Delta and SkyTeam member award flights. 

Delta Air Lines Benefits

While you’d expect the airline-branded Delta Platinum card to offer Delta benefits, the Amex Gold card also offers benefits a Delta loyalist can appreciate.

Here are some of the Delta-specific benefits you can expect on each of our featured cards:

Bottom Line: If you’re a current Delta Medallion elite member and already receive some of the benefits offered by the Delta Platinum card, you may want to consider the Amex Gold card with elevated earnings on select everyday purchases, plus plenty of ways to redeem points for Delta flights and upgrades.

Travel Benefits and Protections

Travel benefits and protections are complimentary perks that come with the Amex Gold card and Delta Platinum card.

Here are some of the most useful you’ll find on both cards:

• Secondary Car Rental Insurance — Pay for the entire car rental with your card, decline the agency’s CDW/LDW coverage, and receive secondary coverage for damage and theft for your rental car. Secondary coverage means you must first file a claim with other applicable insurance before card coverage applies. Cardholders also have the option to purchase Premium Protection for 1 low fee ($12.95 to $24.95) that covers the entire rental period. Terms apply.
• Trip Delay Insurance — When a trip is delayed 12 hours or more, you could receive up to $300 per covered trip with a maximum of 2 claims per 12 consecutive months.
• Baggage Insurance — Receive up to $1,250 per person, per covered trip, for carry-on baggage that becomes damaged, lost, or stolen. Checked baggage coverage has a limit of $500 per person, per covered trip. Coverage is secondary to any other coverage, including that which is offered by the airline.
• No Foreign Transaction Fees — Both of our featured cards travel well with no foreign transaction fees on foreign purchases.

Additional Travel Benefits and Protections

Here are the additional travel benefits and protections you can expect with each specific card:

Amex Gold Card

• Benefits at The Hotel Collection — Enjoy elite-style benefits such as a room upgrade, when available, and a $100 property credit when you book a 2-night or more prepaid stay via AmexTravel.com.

Delta Platinum Card

• Global Entry or TSA PreCheck Credit — Up to $100 Global Entry or up to $85 TSA PreCheck application fee statement credit.

Bottom Line: Both of our featured cards come with core travel benefits and protections including car rental insurance, trip delay coverage, baggage insurance, and no foreign transaction fees. The Delta Platinum card offers additional travel benefits, like a Global Entry or TSA PreCheck fee reimbursement.

Shopping Benefits and Protections

Both the Amex Gold Card and Delta Platinum card come with shopping benefits that can save you money and make it possible for you to earn greater rewards on select purchases.

Additionally, you’ll find coverage that can offer protection if you experience a covered loss on eligible items purchased with your card.

Here are some of the key shopping benefits and protections that come with both cards:

• Amex Offers — Access your online card account and view up to 100 Amex Offers that can save you money or help you earn additional points or miles. Add the offers you wish to use to your card and make the associated purchase to receive the bonus savings or earnings.
• ShopRunner Membership — Receive free 2-day shipping and discounts at over 100 retailers with this complimentary membership.
• Purchase Protection — Purchase an eligible item with your card and receive coverage for damage or theft for up to 90 days from the purchase date. Coverage limits are $1,000 per claim, a maximum of $50,000 per card account.
• Extended Warranty — For eligible items purchased with your card, the manufacturer’s warranty of 5 years or less will be extended for 1 year.
• Amex Auto Purchasing Program — Enjoy preferred pricing at select dealerships, $2,000 in post-purchase benefits, and the ability to charge a minimum of $2,000 of the purchase price to your card.

Additional Shopping Benefits and Protections

In addition to the above shopping benefits and protections, the Amex Gold card and Delta Platinum card offer these benefits:

Amex Gold Card

• Monthly Dining Credit — Receive up to $10 each month, up to $120 each year, for purchases made at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Uber Cash — Add your Amex Gold card to your Uber account and receive up to $10 each month, up to $120 each year, in Uber Cash. Uber Cash can be used for U.S. Uber rides or Uber Eats.
• New $100 Resy Credit: $100 annual statement credit ($50 semi-annually), redeemable at any U.S. Resy restaurant and other eligible Resy purchases. Enrollment required through your Amex account.
• New Dunkin’ Credit: $84 annual statement credit ($7/month), redeemable at Dunkin’ locations. Enrollment required.

Delta Platinum Card

• Cell Phone Protection — Pay your monthly cell phone bill with your card and receive up to $800 per claim if your phone is damaged or stolen. There is a $50 deductible per claim and a limit of 2 claims per 12-month period.

Annual Fees and Adding Authorized Users

Additional fees can play a role in whether a card will provide you with bottom-line economic value.

Here’s how the fees charged annually and for adding authorized users on the Amex Gold card and Delta Platinum card compare:

Annual Fees

The Amex Gold card and the Delta Platinum card each charge an annual fee. The Amex Gold card charges an annual fee of $325 (rates & fees), while the Delta Platinum card incurs a $350 (rates & fees) annual fee.

Adding Authorized Users

The Amex Gold card allows for up to 5 additional users at no extra charge. After that, each additional card is $35 (rates & fees). The Delta Platinum card does not charge for authorized users (rates & fees).

Hot Tip: Watch for promotional emails or log in to your online card account to see if you have bonus offers for adding authorized users. Note that minimum spending requirements may apply, but these offers can provide significant additional points or miles to your account when adding additional users. 

There are so many great rewards-earning card options available that it can be tough to narrow your selection to just 2.

If you’re a frequent Delta flyer, however, it could make sense to have a Delta-branded card to earn more on Delta purchases and receive Delta-centric benefits. You can review all the best cards for Delta flyers in our article that digs deeper and compares Delta-branded card benefits.

The Amex Gold card could serve as a great card to supplement the Delta Platinum card with its stellar earnings on flights, U.S. supermarket purchases, and at restaurants worldwide. The card functions perfectly as an everyday spending card with travel earnings and benefits frequent travelers can utilize.

If you tend to fly a variety of airlines, eat out often, and spend a lot at the supermarket, the Amex Gold card would be a fine choice. The card’s overall earning potential, travel redemption options, and travel and shopping benefits deliver a lot of value for this consumer profile.

Whichever card you choose, you’ll want the card that matches and rewards your spending mix, has an annual fee you’re comfortable paying, and provides benefits that offer definable value to you.

If you want to review additional travel rewards card options, our listing of some of the best cards available will be of interest.

For the car rental collision damage coverage benefit of the American Express^® Gold Card and Delta SkyMiles^® Platinum 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/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of the American Express^® Gold Card and Delta SkyMiles^® Platinum American Express Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York state residents, there is a $10,000 aggregate maximum limit for all covered persons per covered Trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply.  Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the American Express^® Gold Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Delta SkyMiles^® Platinum American Express Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip delay insurance coverage benefit of the American Express^® Gold Card and Delta SkyMiles^® Platinum American Express Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.  

For the extended warranty benefit of the American Express^® Gold Card and Delta SkyMiles^® Platinum American Express Card, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the cell phone protection benefit of the Delta SkyMiles^® Platinum American Express Card, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12-month period. Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG company.