Delta Gold vs. Delta Platinum Card
Delta Gold vs. Delta Platinum Card
Delta SkyMiles® Gold American Express Card vs. Delta SkyMiles® Platinum American Express Card: Which is Right for You?
When it comes to choosing a credit card, it’s important to consider the rewards and perks that come with it. Two popular options for Delta frequent flyers are the Delta SkyMiles® Gold American Express Card and the Delta SkyMiles® Platinum American Express Card. Both cards offer solid welcome bonuses, reward rates, and travel perks. In this article, we will compare these two cards to help you decide which one is the right pick for you.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is best suited for occasional or casual Delta flyers. It comes with an annual fee of $0 intro for the first year, then $99, and a welcome bonus offer of 40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening.
One of the key benefits of the Delta SkyMiles® Gold American Express Card is that it earns 2x miles at U.S. supermarkets and restaurants worldwide, 2x miles on Delta purchases, and 1x mile on all other eligible purchases. Additionally, if you spend at least $10,000 in purchases on the card in a calendar year, you’ll receive a $100 Delta flight credit, helping to offset the annual fee.
However, it’s important to note that other cards offer better bonuses on spending at restaurants and U.S. supermarkets, as well as bonus rewards on travel, including airfare. The value of Delta SkyMiles is also subjective, with an average worth of 1.1 cents each, based on Insider’s points and miles valuations.
Delta SkyMiles® Platinum American Express Card
For more frequent Delta flyers, the Delta SkyMiles® Platinum American Express Card may be a better choice. Although it comes with a higher annual fee of $250, it offers additional benefits that can make it worthwhile.
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New cardholders of the Delta SkyMiles® Platinum American Express Card can earn a welcome bonus of 50,000 bonus miles after spending $3,000 on their new card within the first six months. This significant bonus helps offset the higher annual fee.
One of the standout features of the Delta SkyMiles® Platinum American Express Card is the ability to earn Medallion® Qualification Miles (MQMs) that contribute towards Delta elite status through its Status Boost benefit. This benefit can be invaluable for frequent flyers working towards achieving a higher status level.
The Delta SkyMiles® Platinum American Express Card also offers up to a $100 credit to cover the application fee for Global Entry or TSA PreCheck, making it convenient for travelers. Additionally, cardholders receive an annual Delta companion certificate upon account renewal, allowing them to bring a companion on a domestic flight for only the cost of taxes and fees.
For Delta Sky Club access while flying, cardholders of the Delta SkyMiles® Platinum American Express Card can avail themselves of discounted access at $50 per visit. Alternatively, the Delta SkyMiles® Reserve American Express Card offers complimentary Delta Sky Club access when flying Delta, but at a higher annual fee of $550.
Business Versions: Delta Gold Business Card vs. Delta Platinum Business Card
In addition to the personal versions of the Delta credit cards, there are also business versions available. The Delta SkyMiles® Gold Business American Express Card and the Delta SkyMiles® Platinum Business American Express Card offer similar benefits to their personal counterparts.
The Delta SkyMiles® Gold Business American Express Card comes with a welcome bonus of 50,000 bonus miles after spending $2,000 on the card within the first three months. The Delta SkyMiles® Platinum Business American Express Card offers an even higher welcome bonus of 60,000 bonus miles for spending $3,000 on the card within the same timeframe.
To qualify for a business credit card, it’s not necessary to own a full-time business. Even freelancers or individuals with side gigs may be eligible to apply for a business credit card.
Which Delta Credit Card Should You Choose?
If you are a casual Delta flyer, the Delta SkyMiles® Gold American Express Card is likely the better fit for you. Its welcome bonus offer and ongoing benefits make it an appealing choice. However, if you are a frequent flyer and value additional perks like the annual companion certificate, MQM Boost, and higher earning rates, the Delta SkyMiles® Platinum American Express Card may be the right pick for you. The application fee credit for Global Entry or TSA PreCheck can also help justify the higher annual fee if you don’t already have a card offering this benefit.
Ultimately, the choice between the Delta SkyMiles® Gold American Express Card and the Delta SkyMiles® Platinum American Express Card depends on your travel habits, spending patterns, and the value you place on the benefits provided by each card. Consider your own preferences and needs to make an informed decision that aligns with your financial goals and travel aspirations.