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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles® Platinum Business Card American Express Gold

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

Lower annual fee: American Express Gold

American Express

Delta SkyMiles® Platinum Business Card

Annual fee
$350
Network
amex
Welcome value
$1,000
Min spend
$8,000 / 6mo

Top earning rates

  • 3×Delta purchases · Delta SkyMiles
  • 3×hotels · Delta SkyMiles
  • 1.5×transit · Delta SkyMiles
  • 1.5×shipping · Delta SkyMiles

Key benefits

  • 1.5x-3x Delta SkyMiles Earning · $300
  • Annual Companion Certificate (Main Cabin) · $300
  • $2,500 MQD Headstart · $250
  • $150 Delta Stays Credit · $150
  • Free First Checked Bag · $140
Full American Express Delta SkyMiles® Platinum Business Card review

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
$1,000
Min spend
$8,000 / 6mo

Top earning rates

  • 4×dining · Membership Rewards
  • 4×grocery · Membership Rewards
  • 3×flights · Membership Rewards
  • 2×travel · Membership Rewards

Key benefits

  • $100 The Hotel Collection Credit · $100
  • Car Rental Loss and Damage Insurance · $75
  • $100 Resy Credit · $50
  • Baggage Insurance Plan · $50
  • No Foreign Transaction Fees · $35
Full American Express Gold 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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