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

American Express Delta SkyMiles Gold American Express Graphite Business Cash Unlimited 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 Delta SkyMiles Gold

American Express

Delta SkyMiles Gold

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. supermarkets · Delta SkyMiles
  • 2×restaurants · Delta SkyMiles
  • 1×all other purchases · Delta SkyMiles

Key benefits

  • $200 Delta Flight Credit (Spend Tier) · $200
  • TakeOff 15 · $150
  • First Checked Bag Free · $140
  • 1X Base Earning Rate · $124
  • 2X on U.S. Supermarkets · $120
Full American Express Delta SkyMiles Gold review

American Express

Graphite Business Cash Unlimited Card

Annual fee
$295
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 2×all other purchases

Key benefits

  • $200 Annual Amex Travel Credit · $200
  • Car Rental Loss and Damage Insurance · $50
  • No Foreign Transaction Fees · $50
  • $15 Monthly Gas Credit · $15
  • $10 Monthly Wireless Credit · $10
Full American Express Graphite Business Cash Unlimited 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.

Get my personal answer