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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 GoldBigger 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

Marriott Bonvoy Brilliant

Annual fee
$650
Network
amex
Welcome value
$665
Min spend
$6,000 / 6mo

Top earning rates

  • 6×Marriott Bonvoy hotels · Marriott Bonvoy
  • 3×dining · Marriott Bonvoy
  • 3×flights · Marriott Bonvoy
  • 2×all other purchases · Marriott Bonvoy

Key benefits

  • Annual Free Night Award (up to 85k pts) · $600
  • Marriott Bonvoy Platinum Elite Status · $400
  • Brilliant Earned Choice Award · $300
  • Priority Pass Select Membership · $250
  • 25 Annual Elite Night Credits · $250
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.

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