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All comparisons
Head-to-head, 2026

American Express Blue Cash Preferred American Express Delta SkyMiles® Gold Business Card

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 Cash PreferredBigger welcome offer: American Express Delta SkyMiles® Gold Business Card

American Express

Blue Cash Preferred

Annual fee
$95
Network
amex
Welcome value
$300
Min spend
$3,000 / 6mo

Top earning rates

  • 6×Groceries · Reward Dollar Balance
  • 6×Streaming · Reward Dollar Balance
  • 3×Gas · Reward Dollar Balance
  • 3×Transit · Reward Dollar Balance

Key benefits

  • Disney Streaming Credit · $10
  • Purchase Protection · $0
  • Extended Warranty · $0
  • Return Protection · $0
  • Car Rental Loss and Damage Insurance · $0
Full American Express Blue Cash Preferred review

American Express

Delta SkyMiles® Gold Business Card

Annual fee
$150
Network
amex
Welcome value
$660
Min spend
$4,000 / 6mo

Top earning rates

  • 2×Delta purchases · Delta SkyMiles
  • 2×Shipping · Delta SkyMiles
  • 2×Advertising · Delta SkyMiles
  • 2×Dining · Delta SkyMiles

Key benefits

  • $200 Delta Flight Credit (Spend Tier) · $200
  • $150 Delta Stays Credit · $150
  • First and Second Checked Bag Free · $140
  • $120 Rideshare Credit · $10
  • Take 15% Off Award Travel · $0
Full American Express Delta SkyMiles® Gold Business Card 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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