Chase Sapphire Preferred® Card vs. Delta SkyMiles® Gold American Express Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
Full review →
Delta SkyMiles® Gold American Express Card
American Express
4.1
Free first checked bag. 2x on Delta, restaurants, supermarkets.
Full review →WealthSpott Verdict
Chase Sapphire Preferred® Card wins on more measurable categories — particularly annual cost. Delta SkyMiles® Gold American Express Card may still win for your wallet depending on how you spend.
Feature
Chase Sapphire Preferred®
Delta SkyMiles® Gold
Annual Fee
$95/yr Best
$150/yr
Sign-up Bonus
60,000 points
40,000 miles
Rewards Rate
1x-5x
1x-2x
Rewards Type
Points
Miles
0% Intro APR
N/A
N/A
Regular APR
21.49%-28.49% Variable
21.49%-29.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
Delta SkyMiles® Gold American Express Card
Pros
- Free first checked bag on Delta ($60+ per round trip)
- Priority boarding on Delta flights
- 2x on Delta, restaurants, and supermarkets
- No foreign transaction fee
Cons
- $150 annual fee
- Miles tied to Delta only
- Modest everyday earning rate (1x)
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