Delta SkyMiles® Gold American Express Card vs. American Express® Business Gold Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Delta SkyMiles® Gold American Express Card
American Express
4.1
Free first checked bag. 2x on Delta, restaurants, supermarkets.
Full review →American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →WealthSpott Verdict
Delta SkyMiles® Gold American Express Card and American Express® Business Gold Card are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Delta SkyMiles® Gold
American Express® Business
Annual Fee
$150/yr Best
$375/yr
Sign-up Bonus
40,000 miles
100,000 points
Rewards Rate
1x-2x
1x-4x
Rewards Type
Miles
Points
0% Intro APR
N/A
N/A
Regular APR
21.49%-29.49% Variable
19.49%-27.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
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)
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
Not sure which card is right for you?
Browse all credit cards