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All comparisons
Head-to-head, 2026

American Express Blue Cash Preferred American Express Delta SkyMiles Platinum

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 Preferred

American Express

Blue Cash Preferred

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

Top earning rates

  • 6×U.S. supermarkets
  • 6×Select U.S. streaming subscriptions
  • 3×Gas at U.S. gas stations
  • 3×Transit

Key benefits

  • $120 Disney Streaming Credit · $10
  • Global Assist® Hotline · $0
  • Purchase Protection · $0
  • American Express Venue Collection · $0
  • Amex Special Ticket Access · $0
Full American Express Blue Cash Preferred review

American Express

Delta SkyMiles Platinum

Annual fee
$350
Network
amex
Welcome value
—
Min spend
$4,000 / 6mo

Top earning rates

  • 3×Delta flights and Delta Vacations
  • 3×Hotels
  • 2×Restaurants
  • 2×U.S. Supermarkets

Key benefits

  • Annual Delta Main Companion Certificate · $350
  • $150 Delta Stays Credit · $150
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $120 Resy Credit · $10
  • $120 Rideshare Credit · $10
Full American Express Delta SkyMiles Platinum 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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