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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Gold American Express Marriott Bonvoy 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 Marriott Bonvoy Business

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 Business

Annual fee
$125
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy®
  • 4×Restaurants worldwide
  • 4×Standalone U.S. gas stations
  • 2×All other eligible purchases

Key benefits

  • Additional Free Night Award (Spend Tier) · $263
  • Annual Free Night Award · $263
  • American Express Venue Collection · $250
  • Amex Event Perks · $0
  • Amex Special Ticket Access · $0
Full American Express Marriott Bonvoy 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.

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