Delta SkyMiles Gold American Express Card vs Delta SkyMiles Platinum American Express Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Delta SkyMiles Gold American Express Card
Estimated value every year on typical spending
$404/ year
Every year, after the annual fee. Year one adds a $880 welcome bonus: $1,284
Delta SkyMiles Platinum American Express Card
Estimated value every year on typical spending
$271/ year
Every year, after the annual fee. Year one adds a $990 welcome bonus: $1,261
The short answer
- On typical spending, the Delta SkyMiles Gold American Express Card comes out ahead: about $404 a year after its fee, against $271 for the Delta SkyMiles Platinum American Express Card.
- The Delta SkyMiles Gold American Express Card costs $200 less a year to hold.
Side by side
| Delta SkyMiles Gold American Express Card | Delta SkyMiles Platinum American Express Card | |
|---|---|---|
| Annual fee | $150 | $350 |
| Rewards | 2X miles on Delta purchases, at restaurants, and at U.S. supermarkets; 1X miles on all other eligible purchases | 3X Miles on Delta purchases and at hotels; 2X Miles on dining and groceries; 1X Mile on other purchases |
| Welcome bonus | $250 Statement Credit and as high as 80,000 Bonus Miles after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. | Earn a $300 Statement Credit and up to 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card within the first 6 months of Card Membership. |
| Credits counted | $92/yr | $159/yr |
| Intro APR | Not listed | Not listed |
| Regular APR | 19.74% to 28.74% variable | 19.74% to 28.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Not specified | Not specified |
Yearly rewards by category
| Category (monthly spend) | Delta SkyMiles Gold American Express Card | Delta SkyMiles Platinum American Express Card |
|---|---|---|
| groceries ($500) | $132 | $132 |
| dining ($400) | $106 | $106 |
| gas ($200) | $26 | $26 |
| travel ($300) | $40 | $40 |
| everything else ($1,200) | $158 | $158 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Delta SkyMiles Gold American Express Card or the Delta SkyMiles Platinum American Express Card?
On typical spending the Delta SkyMiles Gold American Express Card is worth more: about $404 a year after its fee, against $271 for the Delta SkyMiles Platinum American Express Card. Which is better for you depends on where you spend most; see the category answers below.
Which has the lower annual fee?
The Delta SkyMiles Gold American Express Card ($150 a year, against $350).
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.