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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Gold American Express Hilton Honors Business

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
$4,000 / 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 Business

Annual fee
$195
Network
amex
Welcome value
—
Min spend
$6,000 / 6mo

Top earning rates

  • 12×Hotels · Hilton Honors
  • 5×Shipping · Hilton Honors
  • 5×Wireless_services · Hilton Honors
  • 5×Flights · Hilton Honors

Key benefits

  • $240 Hilton Credit · $60
  • Employee Cards · $0
  • Upgrade to Hilton Honors Diamond Status (Spend Tier) · $0
  • Complimentary National Car Rental Status · $0
  • Baggage Insurance Plan · $0
Full American Express Hilton Honors Business 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