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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles® Gold Business Card American Express 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 Delta SkyMiles® Gold Business CardBigger welcome offer: American Express Platinum

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

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
$1,750
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Flights booked directly with airlines or Amex Travel · Membership Rewards
  • 5×Prepaid hotels booked through Amex Travel · Membership Rewards
  • 1×All other purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $600 Hotel Credit · $300
  • $300 Equinox Credit · $300
  • American Express Venue Collection™ · $250
Full American Express 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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