Delta SkyMiles Platinum vs American Express® Gold Card
Delta SkyMiles Platinum
$350/yr
6.0/10
VS
American Express® Gold Card
$325/yr
7.5/10
Quick Answer
Delta SkyMiles Platinum charges $350/yr with 1X base rewards. American Express® Gold Card charges $325/yr with 1X base rewards. American Express® Gold Card offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
American Express® Gold Card
Lower annual fee ($350 vs $325)
Rewards Earning
Delta SkyMiles Platinum
5 earning categories
Benefits & Protection
American Express® Gold Card
6 benefits vs 0
Statement Credits
American Express® Gold Card
$240 in annual credits
Flexibility
American Express® Gold Card
Transferable points to airline/hotel partners
OUR PICK
American Express® Gold Card wins for most people
The $25 fee difference is hard to justify unless you maximize premium benefits.
Apply for American Express® Gold CardPREMIUM PICK
Delta SkyMiles Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Delta SkyMiles PlatinumRewards Earning: Detailed Comparison
Delta SkyMiles Platinum
| Delta purchases | 3.0X |
| Hotels (direct) | 3.0X |
| US supermarkets | 2.0X |
| Dining worldwide | 2.0X |
| Everything else | 1.0X |
American Express® Gold Card
| Dining | 4.0X |
| U.S. Supermarkets | 4.0X (up to $25,000) |
| Flights | 3.0X |
| Everything Else | 1.0X |
Card Benefits: Detailed Comparison
Delta SkyMiles Platinum (0 benefits)
See full review for benefits details.
American Express® Gold Card (6 benefits)
- Trip Delay Insurance (up to $500)
- Baggage Insurance Plan
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)