Comparison

Delta SkyMiles® Gold American Express Card vs Delta SkyMiles Reserve: card comparison

Which is the best for you: Delta SkyMiles® Gold American Express card or Delta SkyMiles Reserve? Check out the comparison and learn about their benefits, such as rewards, insurance, and more!

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by Aline Augusto

Published on 03/07/2022

Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve: which is the best?

Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve? Source: The Mister Finance.
Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve? Source: The Mister Finance.

Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve? If you love traveling, you have come to the right place because today, we will compare two credit cards that are the best for those who spend time crossing the world. 

American Express is known for its fantastic rewards card, and Delta is a leader in domestic and international travel to over 300 destinations in 60 countries.

Now, imagine both companies together to offer you the best traveling experiences and rewards!

It won’t be easy to decide which credit card is the greatest. But we are here to help you with that.

American Express logo

How to get a Delta SkyMiles® Gold American Express

Get the best traveling experience with Delta SkyMiles® Gold American Express credit card! Check out how to apply!

Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve Business

How do you get the Delta SkyMiles Reserve AmEx?

Do you love amazing travel experiences and card rewards? Read more to know how to get the Delta SkyMiles Reserve American Express card!

Delta SkyMiles® Gold American Express CardDelta SkyMiles Reserve Card
Sign-up bonus75,000 Bonus Miles (after $2,000 in purchases within the first 3 months – limited offer)125,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs), after $5,000 in purchases within the first 3 months
Annual fee$0 intro annual fee for the first year, then $99$550
Rewards2X Miles on dining and groceries;
2X Miles on Delta purchases;
1X Miles on all other eligible purchases
3X Miles on Delta purchases;
1X Miles on other purchases
Other perksFirst Checked Bag Free;
$100 Delta Flight Credit;
20% Back on In-flight Purchases;
Priority Boarding;
Car Rental Loss and Damage Insurance;
Global Assist® Hotline;
Purchase Protection;
Extended Warranty;
American Express® Experiences;
Amex Send & Split™;
Fraud Protection;
Pay It Plan It®;
Miles for each additional card you add.
Receive a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate every year;
Receive Two Delta Sky Club One-Time Guest Passes every year;
15,000 Medallion Qualification Miles (MQMs) after spending $30,000 on purchases each calendar year (up to 4);
Complimentary Access to Delta Sky Club®;
Access to Complimentary Upgrades;
Complimentary Access to The Centurion® Lounge;
First Checked Bag Free;
Fee Credit for Global Entry or TSA Precheck®;
Baggage Insurance Plan;
20% Back on In-flight Purchases;
Trip Delay and Cancellation coverage;
Car Rental Loss and Damage Insurance;
Premium Global Assist® Hotline;
Return and purchase protection;
Extended Warranty;
Concierge Services;
American Express Experiences®;
Amex Send & Split™;
Cell phone protection;
Fraud Protection; 
Pay It Plan It®; and more.
APRFrom 15.74% to 24.74% (variable)From 15.74% to 24.74% (variable)

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Delta SkyMiles® Gold American Express Card

Learn more about this card. Source: The Mister Finance.
Learn more about this card. Source: The Mister Finance.

The Delta SkyMiles® Gold American Express Card is definitely one of a kind. It offers rewards on every eligible purchase, a great welcome bonus, no foreign transaction fees, and all American Express and Delta privileges you would love.

Besides that, it comes with a protection and insurance package, so you can enjoy peace of mind while traveling around the world.

One of the best features of this credit card is that the annual fee can be waived in the first year. Then, considering all the benefits that come along with the card, the annual fee of $99 doesn’t seem expensive.

Delta SkyMiles Reserve 

Learn more about this card. Source: The Mister Finance.
Learn more about this card. Source: The Mister Finance.

On the other hand, you should meet a Delta SkyMiles Reserve credit card if you want more privileges and exclusivity.

The annual fee of $550 is justified by the fact that you earn a considerable package of benefits, as shown in the table above.

In fact, if we decide to go through each point of the list, we will stay here forever.

In summary, you get insurance, protection, coverage, concierge services, assistance, exclusive access, and priorities.     

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Benefits of Delta SkyMiles® Gold American Express credit card

This Gold one comes with rewards that can be redeemed for bookings and more. You earn 1X Miles for all eligible purchases, and you can double them with dining, groceries, and on Delta purchases.

Also, American Express provides you with all assistance, insurance, and protection you need whether you are traveling or not.

Furthermore, you get access to AMEX experiences and other privileges, including boarding priority.

Benefits of Delta SkyMiles Reserve credit card

The Reserve one gives you all the Gold offers plus an extensive list of extra benefits. If you enjoy traveling with privileges and exclusivity, this one is the right choice for you.

Besides earning the triple miles on Delta purchases, you get concierge services, insurance, coverage, protection, access to lounges, the possibility of upgrades, and premium services.

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Disadvantages of Delta SkyMiles® Gold American Express Card 

Unfortunately, this card doesn’t accept all credit scores in the application. So, you must have at least a good credit to be considered.

Also, it charges a $99 annual fee after the first year.

Disadvantages of Delta SkyMiles Reserve 

Besides the fact that you need to have high credit score punctuation to apply for it and get accepted, this credit card charges a trifle $550 annual fee.  

Delta SkyMiles® Gold American Express Card or Delta SkyMiles Reserve: which you should choose?

Both cards are great options for those who love traveling and like to have some privileges and exclusivity on their trips.

However, I would suggest you stick with the Delta SkyMiles® Gold American Express credit card if you need to choose one of them.

This one offers a good package of benefits and rewards with a reasonable annual fee.

However, if you can pay $550 as an annual fee to get a more extensive list of benefits, apply for a Delta SkyMiles Reserve.

If you can’t or don’t meet the requirements to hold one of these cards, then check out the Huntington Bank Voice Rewards card full review as a third option!

Huntington Bank voice rewards credit card fundo branco

Huntington Bank Voice Rewards card full review

Earn 3X rewards on a select category of your choose with Huntington Bank Voice Rewards credit card. Learn more about this card!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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