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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Platinum Chase Sapphire Preferred

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

Lower annual fee: Chase Sapphire Preferred

American Express

Delta SkyMiles Platinum

Annual fee
$350
Network
amex
Welcome value
—
Min spend
$4,000 / 6mo

Top earning rates

  • 3×Delta Purchases · Delta SkyMiles
  • 3×Hotels
  • 2×U.S. Supermarkets · Delta SkyMiles
  • 2×Dining

Key benefits

  • Annual Delta Main Companion Certificate · $350
  • $150 Delta Stays Credit · $150
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $120 Rideshare Credit · $10
  • $120 Resy Credit · $10
Full American Express Delta SkyMiles Platinum review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred 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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