Delta SkyMiles® Gold American Express Card vs. Chase Freedom Flex®
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 →
WealthSpott Verdict
Chase Freedom Flex® wins on more measurable categories — particularly annual cost. Delta SkyMiles® Gold American Express Card may still win for your wallet depending on your spending patterns.
Feature
Delta SkyMiles® Gold
Chase Freedom Flex®
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
40,000 miles
$200
Rewards Rate
1x-2x
1%-5%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
21.49%-29.49% Variable
20.49%-29.24% Variable Best
Foreign Transaction Fee
None Best
Yes
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)
Chase Freedom Flex®
Pros
- 5% in rotating categories + 3% dining/drugstores
- No annual fee
- Pairs well with Sapphire for point transfers
Cons
- Must activate rotating categories quarterly
- 3% foreign transaction fee
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