Choosing between the Chase Sapphire Preferred Card ($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 travel at 5% via portal. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
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 | Chase Sapphire Preferred Card | Delta SkyMiles Gold American Express Card |
|---|---|---|
| Annual Fee | $95 | $150 |
| Sign-Up Bonus | 75,000 points after $5,000 spend in 3 months | 90,000 miles after $5,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | <strong>5%</strong> | 2% |
| Dining Rewards | <strong>3%</strong> | 2% |
| Groceries Rewards | <strong>3%</strong> | 2% |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | 2x miles on Delta, restaurants, and U.S. supermarkets. Free first checked bag and priority boarding on Delta. |
Chase Sapphire Preferred Card pulls ahead for travel, dining, groceries spending.
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.