Delta SkyMiles® Gold American Express Card vs. IHG One Rewards Premier
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 →
IHG One Rewards Premier
Chase
4.2
140,000-point bonus. 26x at IHG. 4th night free on award stays.
Full review →WealthSpott Verdict
IHG One Rewards Premier 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
IHG One Rewards
Annual Fee
$150/yr
$99/yr Best
Sign-up Bonus
40,000 miles
140,000 points
Rewards Rate
1x-2x
3x-26x
Rewards Type
Miles
Points
0% Intro APR
N/A
N/A
Regular APR
21.49%-29.49% Variable
21.49%-28.49% Variable
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)
IHG One Rewards Premier
Pros
- 140,000-point sign-up bonus
- Free night certificate annually
- Fourth night free on reward stays
- Platinum Elite status
Cons
- $99 annual fee
- Points tied to IHG ecosystem
- Points worth less per point than Marriott/Hilton
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