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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Gold American Express Hilton Honors Surpass

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Bigger welcome offer: 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

Hilton Honors Surpass

Annual fee
$150
Network
amex
Welcome value
$990
Min spend
$3,000 / 3mo

Top earning rates

  • 12×Hilton purchases · Hilton Honors
  • 6×dining · Hilton Honors
  • 6×groceries · Hilton Honors
  • 6×gas · Hilton Honors

Key benefits

  • Free Night Reward · $300
  • Hilton Honors Gold Status · $250
  • Priority Pass Select · $250
  • National Emerald Club Executive Status · $100
  • No Foreign Transaction Fees · $50
Full American Express Hilton Honors Surpass 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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