Compare the Features and Benefits of American Express® Gold Card and
Delta SkyMiles® Gold American Express Card

💳 This card earns American Express Membership Rewards points. American Express often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!

You can see all past Transfer Bonuses from American Express Membership Rewards here.

Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔

The American Express Gold Card (and the Rose Gold version of the Amex Gold Card) is one of my favorite credit cards on the market.

While many cards have more bonus categories or more features, the simplicity of a card that earns 4X American Express Membership Rewards points on both dining (up to $50,000 annually; 1X thereafter) and at U.S. supermarkets (up to $25,000 annually; 1X thereafter), given how much of my monthly spend is in one of these two categories, makes it an easy top-of-wallet choice. 3X on airfare is also nice.

It helps that I have no problem at all using the included credits, living in a major metropolitan area. In fact, I’ve generally used both of the included credits at GrubHub and Uber Eats by the fifth of each month! The Resy credits are also easy to use if you live in a major metro area (although admittedly not as easy if you don’t!). And the $7 Dunkin’ credits come in handy if you live in a Dunkin’ heavy area (which we do).

While I wouldn’t make it my only credit card, it definitely complements other cards nicely. If you already have the American Express Platinum Card, for example, you’d be better off using the Platinum card for its many benefits and 5X on airfare (up to $500,000 on these purchases per calendar year), but using your Amex Gold Card for your groceries and restaurant expenses.

Keep in mind that all of your American Express Membership Rewards points accrue to one master account. As long as you have at least one card open that earns Membership Rewards points, your points will never expire.

This includes no-annual fee cards like the Blue Business Plus.

The Amex Gold is also featured in our 5 Best Credit Cards for Groceries / Supermarkets.

Rates and Fees for the American Express® Gold Card

The Delta SkyMiles Gold American Express Card charges a $0 introductory annual fee (then $150) and presents many ways for Delta Air Lines flyers to save money — whether they’re booking their flight with SkyMiles or are already in the air.

You’ll earn credit card rewards accordingly: 2x Delta miles on restaurants, at U.S. supermarkets and on eligible Delta purchases, plus 1x miles on other eligible purchases. Finally, if you manage to spend $10,000 or more on the card in a calendar year, a $100 Delta flight credit will be awarded to your account every year.

When it comes time to redeem SkyMiles, Delta Gold cardholders can save 15% off the sticker price for award flights. This benefit is automatically applied when you’re logged into your SkyMiles account on the Delta website or Fly Delta app and the flight is wholly operated by Delta.

Delta offers an impressive route network whether you want to fly within the U.S. or abroad, so you should find plenty of ways to redeem SkyMiles. Some of our favorite deals include Delta’s flash sales, where you can find domestic one-way tickets for as low as 3,500 SkyMiles.

Once you’re at the airport, you can enjoy a free checked bag and Main Cabin 1 priority boarding when flying Delta. Then, in the air, you can save 20% on inflight purchases, applied as a statement credit to your account.

If you’re not a frequent Delta flyer and are looking for even more options with your credit card rewards, consider opening a card that earns transferable rewards instead like Amex Membership Rewards points that transfer instantly to Delta SkyMiles. Not to be confused with the Delta SkyMiles Gold Amex Card, the Amex Gold Card earns Membership Rewards points but does not include benefits like the free checked bag.

Rates and Fees for the Delta SkyMiles® Gold American Express Card