The choice between the Delta SkyMiles® Gold American Express Card and the Chase Sapphire Preferred® Card comes down to how you travel.
If you primarily fly Delta, the perks from the Delta SkyMiles® Gold American Express Card make it worth holding. As you might expect from a co-branded airline credit card, it offers perks, including free checked bags and priority boarding. Terms apply (see rates and fees).
The Chase Sapphire Preferred® Card is a general travel rewards card and can't match those kinds of airline-specific perks. But if you don’t want to tie yourself down to a particular airline, it's a far more versatile and valuable choice. It earns elevated rewards on all travel, plus many popular everyday spending categories. Plus, you have more flexible redemption options — including at hotels — and you may be able to get more value when you redeem your points for travel booked through Chase.
The choice comes down to whether you prefer to be monogamous to one airline or you want to play the field. But even Delta fans can find great value from the Chase Sapphire Preferred® Card for lodging and non-Delta flights. Plus, there’s nothing that says you can’t have both.
How the cards compare
Annual fee
$0 intro for the first year, then $150
$95
Welcome bonus
Delta SkyMiles® Gold American Express Card
Earn 70,000 Bonus Miles after you spend $3,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 07/15/2026. Terms Apply.
Chase Sapphire Preferred® Card
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards
Delta SkyMiles® Gold American Express Card
- 2 miles per $1 spent on Delta purchases.
- 2 miles per $1 spent at restaurants worldwide.
- 2 miles per $1 spent at U.S. supermarkets.
- 1 mile per $1 spent on all other eligible purchases.
- Terms apply.
Chase Sapphire Preferred® Card
- 5 points per $1 spent on all travel booked through Chase.
- 3 points per $1 spent on dining (including eligible delivery services and takeout).
- 3 points per $1 spent on gas and EV charging.
- 3 points per $1 spent on select streaming services.
- 3 points per $1 spent on online grocery purchases (not including Target, Walmart and wholesale clubs).
- 3 points per $1 spent on vacation rentals through services like Airbnb and Vrbo.
- 2 points per $1 spent on other travel.
- 1 point per $1 spent on other purchases.
- Through September 2027: 5 points per $1 spent on Lyft.
Foreign transaction fees
Delta SkyMiles® Gold American Express Card
None.
Chase Sapphire Preferred® Card
None.
Other benefits
Delta SkyMiles® Gold American Express Card
- First and second checked bags are free for you. First checked bag is also free for up to 8 other passengers traveling on the same reservation.
- Up to $120 annual rideshare credit (on eligible U.S. rideshare purchases with eligible providers) upon card renewal each year. (Credit is distributed in $10 monthly statements.) Enrollment required.
- Priority boarding.
- 20% savings on eligible in-flight purchases.
- $200 Delta flight credit, good for future travel, after you spend $10,000 in eligible purchases in a calendar year.
- Terms apply.
Chase Sapphire Preferred® Card
- A $100 annual credit on hotel stays purchased through Chase.
- Up to $120 credit every four years for TSA PreCheck, Global Entry or Nexus.
- Transfer partners, including United, Southwest, JetBlue, Marriott and Hyatt.
- Complimentary DashPass subscription for DoorDash for at least one year (must activate by Dec. 31, 2027).
Learn more
🤓 Nerdy Tip
Both of these cards have premium versions that charge higher annual fees but offer more perks. They are the Chase Sapphire Reserve® and the Delta SkyMiles® Reserve American Express Card. Why you might want the Delta SkyMiles® Gold American Express Card
Free checked bags
Free checked bags can be a valuable perk, especially since up to eight of your travel companions on the same reservation can also check their bags for free. Without this benefit, you'd pay $45 one way for the first checked bag (and $55 for a second one). So if you and a companion were to take only one roundtrip Delta flight per year and you both checked a bag, you'd owe $180. The annual fee on this card costs you less than that: $0 intro for the first year, then $150. Terms apply.
🤓 Nerdy Tip
NerdWallet values Delta miles at 1.2 cents each. This is a baseline value, drawn from real-world data on hundreds of economy routes, not a maximized value. In other words, you should aim for award redemptions that offer 1.2 cents or more in value from your Delta miles. Other Delta perks
Cardholders also enjoy benefits that can smooth out the stresses of air travel: priority boarding, 20% off in-flight purchases and a $200 Delta flight credit if you spend more than $10,000 in a calendar year on the card. Terms apply.
You'll also qualify for an annual rideshare credit of up to $120 on eligible U.S. purchases. Just keep in mind that enrollment is required, and you won't get the full credit all at once. It's distributed in $10 monthly statements. Terms apply.
Why you might want the Chase Sapphire Preferred® Card
More rewards for everyday spending
While the Delta SkyMiles® Gold American Express Card offers 2 miles per $1 spent at restaurants and U.S. supermarkets, in addition to Delta purchases, the Chase Sapphire Preferred® Card outshines it in these categories. The card offers 3 points per $1 spent at restaurants and on online grocery purchases, in addition to at least 2 points per $1 spent on all travel, not just Delta purchases. It also earns 3 points per dollar on gas and EV charging.
Higher potential rewards value
Much of your everyday spending is more rewarding with the Chase Sapphire Preferred® Card — but it gets better. Normally, your points are worth a penny each when redeemed for cash back, but with this card, you can redeem points for travel via the Chase online portal at a potentially higher rate. That's a lot of bang for your buck.
Flexible redemption options
With the Chase Sapphire Preferred® Card, you can’t use your rewards to book flights directly with Delta. But you can do so if you go through Chase's online travel portal first. And you're not limited to Delta flights; you can book with a variety of airlines, hotels and car rental companies this way.
Or you can transfer your points to any of several airline and hotel travel partners, usually on a 1:1 basis (exception: Hyatt at 4:3). Transferring can often yield higher value for your points. Partners include Southwest, United, British Airways, Air France/KLM, Marriott and Hyatt, among others. Although Delta isn’t a partner, there’s a workaround: You can transfer points to a Delta partner airline, such as Air France, and book the Delta flight through that carrier.
🤓 Nerdy Tip
While neither card charges a foreign transaction fee, the Chase Sapphire Preferred® Card might be easier to use abroad since it runs on the Visa payment network, which has wider international acceptance than American Express. Which card is right for you?
When you’re planning a trip, do you always check Delta Air Lines first and usually end up booking that airline? If so, the Delta SkyMiles® Gold American Express Card is probably an ideal fit for your travel needs. You'll enjoy the perks such as priority boarding and free checked bags, as well as rewards on everyday spending. Just make sure you're using the perks enough to justify the cost of the annual fee.
But if your go-to flight-booking strategy is to compare prices and schedules across multiple carriers and then choose the one that works best for your budget and circumstances, the Chase Sapphire Preferred® Card will be a better fit.
To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.
