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All comparisons
Head-to-head, 2026

American Express Delta Reserve American Express 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 Gold

American Express

Delta Reserve

Annual fee
$650
Network
amex
Welcome value
$600
Min spend
$10,000 / 6mo

Top earning rates

  • 3×Delta Purchases · Delta SkyMiles
  • 1×Eligible purchases · Delta SkyMiles

Key benefits

  • Companion Certificate · $350
  • $200 Delta Stays Credit · $200
  • First Checked Bag Free · $140
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $240 Resy Credit · $20
Full American Express Delta Reserve review

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Prepaid hotel reservations · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards
  • 2×Other eligible purchases · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
Full American Express 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.

Get my personal answer