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* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
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Compare the Features and Benefits of Delta SkyMiles® Gold American Express Card and
Citi® Double Cash Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
No Fees for Authorized Users
Free Checked Bags
Priority Boarding
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Trip Protections
Travel and Emergency Assistance Services
No Foreign Transaction Fees
Amex Offers
0% Intro APR on Balance Transfers
Concierge Services
Free Access to Credit Score
Annual Fee
$0 Introductory Annual Fee for the first year, then $150 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on balance transfers
-
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
2x Airfare

Applies only to airfare booked directly with Delta Air Lines; otherwise earn 1X

2x Dining Out / Food Delivery
2x Groceries

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 65,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.88) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

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.

miles-delta-skymiles-gold-american-express-card

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

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
Free Checked Bags
yes
Priority Boarding
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
Amex Offers
yes
0% Intro APR on Balance Transfers
no
Concierge Services
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
580-850 *
APR on balance transfers
0% Intro APR (on balance transfers for 18 months, 19.24%-29.24% thereafter)
Ongoing APR
19.24%-29.24% (Variable)
Balance transfers fees
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Best Multiplier
2x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.016
Bonus Offer
There is no bonus offer at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Citi Double Cash® Card isn’t a card loaded with features and benefits.

But it has one killer feature that makes the card a must-have for nearly everyone and that’s the simple fact that it earns 2% cash back on all of your everyday purchases. Technically, you earn 1% when you spend and 1% when you pay, but semantics aside, you’re earning 2% cash back on absolutely all eligible purchases.

everyday-purchases-citi-double-cash

And before we forget, it also comes with a pretty amazing intro offer for balance transfers, as outlined in the Key Facts at the top of the page.

You don’t have to think about bonus categories with this credit card. The answer to “what will I earn here” is always 2%.

Just one caveat: the Double Cash does not come with many expected benefits, like extended warranty or purchase protection. For those reasons, you may want to use another card for high value merchandise purchases.

That said, why is it a must have credit card for nearly everyone? Three reasons:

1) There is no consumer credit card issued by a major bank that earns a higher % of cash back with no annual fee. None.

2) You can use this as your one credit card if you are completely averse to using multiple credit cards (although you’ll need to be aware of the foreign transaction fees charged if you travel internationally). But even better is to use this as your “default” card. What I mean by that is you may have a card that earns 4X on dining and groceries and another that earns 3% on drugstores, but that’s it. What about an insurance payment? What about daycare?

On most other credit cards, if you aren’t spending in a bonus category, you only earn 1X or 1% back. For example, the Citi Premier Card pays 3X in certain categories (Air/Hotel, Gas, Restaurants and Supermarkets) and 1X in everything else. So you can “Double Up” by having both cards.

The Citi Double Cash card earns 2X Thank You® points on everything. If your purchase is in a Citi Premier card bonus category, go ahead and make the purchase with your Citi Premier card. If it’s in any other category, make the purchase with your Double Cash card. That way, you’ll get one percent when you make the purchase and another percent when you pay it. With a Double Cash card in your pocket, you can always take it out when you have no bonus category available, ensuring that you never, ever earn less than 2% back on any purchases.

3) While you’ll earn cash back rewards with this card, it earns it as ThankYou® points. If you only have the Double Cash alone, that keeps things simple. It’s cash! You can cash out as a statement credit, via direct deposit to your bank account, or by check.

Pair with a Citi Premier® card – a great credit card strategy

In that case, once again, you simply pair this card with a Citi Premier credit card. That would allow you to pool all of your ThankYou® points together and, because of the Premier, you’ll unlock access to all of the transfer options listed below, the best kind of credit card rewards:

Citi ThankYou Transfer PartnersTransfer RatioApproximate Transfer Time *
AeroMexico1:1Generally instant
Air France Flying Blue1:1Instant
Avianca LifeMiles1:1Instant.
Cathay Pacific AsiaMiles1:1Instant
Etihad Guest1:1Instant
Emirates1:!Instant
Eva Air1:1~1-3 days
Jet Airways InterMiles1:1Instant
JetBlue TrueBlue1:1Instant
Malaysia Airlines Enrich1:1~1-7 days
Qantas1:1Instant to 1 day
Qatar Privilege Club1:1~2 days
Singapore Airlines1:1~1-2 days
Thai Orchid Plus1:1~3-7 days
Turkish Airlines Miles&Smiles1:11-2 days
Virgin Atlantic1:1Instant to 2 days
Hotels
Choice Hotels1:2 (Citi Prestige / Premier / Chairman cards)

1:1.5 (No fee Citi ThankYou cards)
Instant
Wyndham Rewards1:1 (Citi Prestige / Premier / Chairman cards)

1:0.8 (No fee Citi ThankYou cards)
TBD
Accor Live Limitless1:0.5TBD

What are some of the ways you can use Citi ThankYou® points for outsized value with a Citi Premier?

We outline all of that on the Citi Premier card page, since that is the card that unlocks these features. Please take a look at the Citi Premier review for everything you need to know about using Citi ThankYou® points.

The Citi Trifecta: Add the Citi Premier and then a Citi Rewards+ Card for a 10% Points Rebate

You can make your Citi Premier and Citi Double Cash rewards combo even more rewarding if you add in a no-annual fee Citi Rewards+ card.

Each calendar year, Citi will rebate back 10% of the first 100,000 ThankYou® Points that you spend, so you can get back up to 10,000 points per year Best of all, it isn’t tied in any way to your spending on the card. Just having it in your profile and linked to the same ThankYou account will ensure that you get the rebate.

Citi Application Rules

Citi won’t approve more than 2 cards in a 60-day period, although we recommend 65 days, just to be safe. This means that if you decide to apply for the Double Cash and combo with a Citi Premier and Citi Rewards+ card, you’ll have to pick one to wait and apply for on Day 66. We’d recommend getting the Rewards+ last, since the benefits are when you redeem.

Bottom Line

The Citi Double Cash is quite simply a card that should be in 99% of wallets. The 2% cash back on everything (1% when you buy and 1% when you pay your bill), with no annual fee, is too good to pass up, even if you are using it in conjunction with other credit cards to maximize your bonus categories – as you should be!

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
Free Checked Bags
no
Priority Boarding
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Travel and Emergency Assistance Services
no
No Foreign Transaction Fees
no
Amex Offers
no
0% Intro APR on Balance Transfers
yes
Concierge Services
yes
Free Access to Credit Score
yes

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