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

American Express Delta SkyMiles Gold American Express Marriott Bonvoy Brilliant

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×Restaurants worldwide, plus takeout and delivery in the U.S.
  • 2×U.S. Supermarkets
  • 2×Delta purchases
  • 1×All other eligible purchases

Key benefits

  • $200 Delta Flight Credit (Spend Tier) · $200
  • First Checked Bag Free · $140
  • $100 Delta Stays Credit · $100
  • $120 Rideshare Credit · $10
  • Zone 5 Priority Boarding · $0
Full American Express Delta SkyMiles Gold review

American Express

Marriott Bonvoy Brilliant

Annual fee
$650
Network
amex
Welcome value
~$1,125
Min spend
$6,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy · Marriott Bonvoy
  • 3×Restaurants worldwide · Marriott Bonvoy
  • 3×Flights booked directly with airlines · Marriott Bonvoy
  • 2×All other eligible purchases · Marriott Bonvoy

Key benefits

  • Free Night Award · $638
  • American Express Venue Collection · $250
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $100 Marriott Bonvoy Property Credit · $100
  • Brilliant Dining Credit · $25
Full American Express Marriott Bonvoy Brilliant 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