Choosing between the Blue Cash Preferred Card from American Express ($95/yr) and the Delta SkyMiles Gold American Express Card ($150/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in groceries at 6% (up to $6,000/yr). 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas.
Perfect if: Your monthly spending stays within the bonus cap for maximum value.
Apply NowStrongest in travel at 2%. 2x miles on Delta, restaurants, and U.S. supermarkets. Free first checked bag and priority boarding on Delta.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Blue Cash Preferred Card from American Express | Delta SkyMiles Gold American Express Card |
|---|---|---|
| Annual Fee | $95 | $150 |
| Sign-Up Bonus | $250 after $3,000 spend in 6 months | 90,000 miles after $5,000 spend in 6 months |
| Foreign Transaction Fee | 2.7% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | <strong>3%</strong> | 2% |
| Dining Rewards | 1% | <strong>2%</strong> |
| Groceries Rewards | <strong>6% (up to $6,000/yr)</strong> | 2% |
| Gas Rewards | <strong>3%</strong> | 1% |
| Key Benefits | 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas. | 2x miles on Delta, restaurants, and U.S. supermarkets. Free first checked bag and priority boarding on Delta. |
Blue Cash Preferred Card from American Express pulls ahead for travel, groceries, gas spending.
Delta SkyMiles Gold American Express Card wins on dining.
The $55/year fee difference means Delta SkyMiles Gold American Express Card needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.