Wells Fargo Active Cash vs Delta SkyMiles® Gold American Express Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

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

Free Checked Bags

Priority Boarding

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Trip Protections

Travel and Emergency Assistance Services

No Fees for Authorized Users

No Foreign Transaction Fees

Amex Offers

Wells Fargo Active Cash

Annual Fee

Avg. Min. Credit Score

670-850

APR on purchases

0% Intro APR (on purchases for 12 months, 19.74%-24.74% thereafter)

APR on balance transfers

0% Intro APR (on balance transfers for 12 months, 19.74%-24.74% thereafter)

Ongoing APR

19.74%-24.74% (Variable)

Balance transfers fees

3% for 120 days from account opening, then up to 5%, min: $5

Best Multiplier

2x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Get $200 when you spend $1,000 within 3 months.

Rating

(0) Our Review

Review

This card is no longer available at Your Best Credit Cards. Please see our Card Explorer to find the card that is right for you.

Unique Card Benefits

Free Checked Bags

Priority Boarding

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Trip Protections

Travel and Emergency Assistance Services

No Fees for Authorized Users

No Foreign Transaction Fees

Amex Offers

Delta SkyMiles® Gold American Express Card

Annual Fee

$0 Introductory Annual Fee for the first year, then $150 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

APR on purchases

APR on balance transfers

Ongoing APR

20.49%-29.49% (Variable)

Balance transfers fees

Best Multiplier

2x Airfare

2x Dining Out / Food Delivery

2x Groceries

1x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.012

Bonus Offer

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. Terms Apply.

Rating

(3.88) Our Review

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.

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

Unique Card Benefits

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 Fees for Authorized Users

yes

No Foreign Transaction Fees

yes

Amex Offers

yes