Delta SkyMiles® Gold American Express Card vs. Citi Simplicity®
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 →
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →WealthSpott Verdict
Citi Simplicity® 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
Citi Simplicity®
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
40,000 miles
None
Rewards Rate
1x-2x
0%
Rewards Type
Miles
None
0% Intro APR
N/A
0% for 12 months
Regular APR
21.49%-29.49% Variable
18.49%-28.99% 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)
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
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