Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

American Express Delta SkyMiles® Gold Business Card American Express Schwab 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 Delta SkyMiles® Gold Business Card

American Express

Delta SkyMiles® Gold Business Card

Annual fee
$150
Network
amex
Welcome value
$1,080
Min spend
$6,000 / 6mo

Top earning rates

  • 2×Delta purchases · Delta SkyMiles
  • 2×U.S. shipping · Delta SkyMiles
  • 2×U.S. advertising in select media · Delta SkyMiles
  • 1×All other purchases · Delta SkyMiles

Key benefits

  • 1x mile on All Other Purchases · $161
  • $150 Delta Flight Credit (Spend Tier) · $150
  • First Checked Bag Free · $140
  • 2x miles on Shipping & Advertising · $120
  • TakeOff 15% (Award Booking Discount) · $100
Full American Express Delta SkyMiles® Gold Business Card review

American Express

Schwab Platinum

Annual fee
$895
Network
amex
Welcome value
$800
Min spend
$8,000 / 6mo

Top earning rates

  • 5×flights · Membership Rewards
  • 5×hotels · Membership Rewards
  • 1×all other purchases · Membership Rewards

Key benefits

  • Global Lounge Collection · $325
  • Equinox Credit · $300
  • Fine Hotels + Resorts Program · $250
  • Hilton Honors Gold Status · $200
  • Airline Fee Credit · $200
Full American Express Schwab 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.

Get my personal answer