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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Gold American Express Hilton Honors Aspire

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
—
Min spend
$3,000 / 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
  • Second checked bag free on domestic Delta flights · $140
  • First checked bag free · $140
  • $100 Delta Stays Credit · $100
  • $120 Rideshare Credit · $10
Full American Express Delta SkyMiles Gold review

American Express

Hilton Honors Aspire

Annual fee
$550
Network
amex
Welcome value
~$600
Min spend
$6,000 / 6mo

Top earning rates

  • 14×Hotels and resorts within the Hilton Portfolio · Hilton Honors
  • 7×Flights and car rentals · Hilton Honors
  • 7×U.S. Restaurants · Hilton Honors
  • 3×All other eligible purchases · Hilton Honors

Key benefits

  • Free Night Reward at $30k (Spend Tier) · $350
  • Annual Free Night Reward · $350
  • $219 CLEAR+ Credit · $219
  • $200 Flight Credit · $50
  • Complimentary Hilton Honors Diamond Status · $0
Full American Express Hilton Honors Aspire 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