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Head-to-head, 2026

American Express Delta SkyMiles Gold Chase Sapphire Reserve

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: Chase Sapphire Reserve

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

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
Full Chase Sapphire Reserve 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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