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All comparisons
Head-to-head, 2026

American Express Blue Business Plus American Express Delta SkyMiles Gold

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Business Plus

American Express

Blue Business Plus

Annual fee
$0
Network
amex
Welcome value
~$300
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Eligible purchases · Membership Rewards
  • 2×Eligible purchases on AmexTravel.com · Membership Rewards
  • 1×All other eligible purchases · Membership Rewards

Key benefits

  • Car Rental Loss and Damage Insurance · $0
  • Amex Special Ticket Access · $0
  • Purchase Protection · $0
  • Year-End Summary · $0
  • Expanded Buying Power · $0
Full American Express Blue Business Plus review

American Express

Delta SkyMiles Gold

Annual fee
$150
Network
amex
Welcome value
—
Min spend
$3,000 / 6mo

Top earning rates

  • 2×Restaurants worldwide, plus takeout and delivery in the U.S.
  • 2×U.S. Supermarkets
  • 2×Delta purchases
  • 1×All other eligible purchases

Key benefits

  • $200 Delta Flight Credit (Spend Tier) · $200
  • First Checked Bag Free · $140
  • $100 Delta Stays Credit · $100
  • $120 Rideshare Credit · $10
  • Zone 5 Priority Boarding · $0
Full American Express Delta SkyMiles Gold review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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