Chase Sapphire Reserve® vs. Delta SkyMiles® Gold American Express Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
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
Delta SkyMiles® Gold American Express Card wins on more measurable categories — particularly annual cost. Chase Sapphire Reserve® may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Reserve®
Delta SkyMiles® Gold
Annual Fee
$550/yr
$150/yr Best
Sign-up Bonus
60,000 points
40,000 miles
Rewards Rate
1x-10x
1x-2x
Rewards Type
Points
Miles
0% Intro APR
N/A
N/A
Regular APR
22.49%-29.49% Variable
21.49%-29.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
720-850
670-850
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
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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