Wells Fargo Reflect® vs. Delta SkyMiles® Gold American Express 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 →WealthSpott Verdict
Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. Delta SkyMiles® Gold American Express Card may still win for your wallet depending on how you spend.
Feature
Wells Fargo Reflect®
Delta SkyMiles® Gold
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
None
40,000 miles
Rewards Rate
0%
1x-2x
Rewards Type
None
Miles
0% Intro APR
0% intro APR for up to 21 months
N/A
Regular APR
18.24%-29.99% Variable Best
21.49%-29.49% Variable
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
670-850
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
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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