Amex Delta Gold vs Amex Delta Reserve
Two Delta SkyMiles cards compared
Verified July 2026
The Amex Delta Gold ($150) undercuts the Amex Delta Reserve ($650) on annual fee. Pick the Amex Delta Gold for everyday Restaurants spending (2x); pick the Amex Delta Reserve for everyday Delta purchases spending (3x).
At a Glance
Delta SkyMiles Gold American Express Card
- Annual Fee
- $150
- Signup Bonus
- 90,000 points
- Network
- Amex
- Points Currency
- Delta SkyMiles
- Earning Rates
-
Restaurants 2xDelta Purchases 2xU.S. Supermarkets 2xAll Other Purchases 1x
Delta SkyMiles Reserve American Express Card
- Annual Fee
- $650
- Signup Bonus
- 125,000 points
- Network
- Amex
- Points Currency
- Delta SkyMiles
- Earning Rates
-
Delta Purchases 3xAll Other Purchases 1x
Category Breakdown
How they compare across key categories
Annual Fee
Amex Delta Gold winsAmex Delta Gold $150 vs Amex Delta Reserve $650
Welcome Bonus
Amex Delta Reserve winsAmex Delta Gold: 90,000 points after $5,000 in 6 months vs Amex Delta Reserve: 125,000 points after $9,000 in 6 months
Top Earning Rate
Amex Delta Reserve winsAmex Delta Gold: 2x on Restaurants vs Amex Delta Reserve: 3x on Delta purchases
Perks & Credits
TieAmex Delta Gold: 7 listed benefits vs Amex Delta Reserve: 7 listed benefits
Transfer Partners
TieAmex Delta Gold: Delta SkyMiles (earn directly) vs Amex Delta Reserve: Delta SkyMiles (earn directly)
Perks & Benefits
Delta SkyMiles Gold American Express
- Rideshare Credit ($120)
- Delta Flight Credit ($200)
- Delta Stays Credit ($100)
- In-flight Purchases
- Free Checked Bags
- Priority Boarding
- Award Flight Discount
Delta SkyMiles Reserve American Express
- Delta Sky Club Access
- Resy Restaurant Credit ($240)
- Rideshare Credit ($120)
- Delta Stays Credit ($200)
- Global Entry/TSA PreCheck Credit ($120)
- Annual Companion Certificate
- MQD Headstart
Which Is Right for You?
Get the Amex Delta Gold if...
- Lower $150 annual fee
- Earns 2x on Restaurants
- Earns 2x on Delta purchases
- Rideshare Credit ($120)
Get the Amex Delta Reserve if...
- Premium benefits to offset the $650 fee
- Earns 3x on Delta purchases
- Delta Sky Club Access
Frequently Asked Questions
Is the Amex Delta Gold or Amex Delta Reserve better?
The Amex Delta Gold ($150) undercuts the Amex Delta Reserve ($650) on annual fee. Pick the Amex Delta Gold for everyday Restaurants spending (2x); pick the Amex Delta Reserve for everyday Delta purchases spending (3x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Amex Delta Gold or Amex Delta Reserve?
The Amex Delta Gold has the lower annual fee at $150, versus $650 for the Amex Delta Reserve.
Which card earns points faster?
The Amex Delta Gold earns up to 2x on Restaurants, while the Amex Delta Reserve earns up to 3x on Delta purchases.
Can I have both the Amex Delta Gold and the Amex Delta Reserve?
Yes. They're issued independently, so you can hold both and earn Delta SkyMiles and Delta SkyMiles side by side.
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The Business Platinum Card from American Express
Business · Annual fee $895
200,000 points
after $20,000 in 3 months
- Hotel credit ($600)
- Dell credit ($1150)
- Adobe credit ($250)
American Express Business Gold Card
Business · Annual fee $375
200,000 points
after $15,000 in 3 months
- ChatGPT Business Statement Credit ($300)
- FedEx, Grubhub and Office Supply Statement Credit ($240)
- Walmart+ Statement Credit ($155)
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Hotel credit ($600)
- Digital entertainment credit ($300)
- Uber Cash and One credit ($320)
American Express Gold Card
Personal · Annual fee $250
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Disney Streaming credit ($120)
Chase Sapphire Preferred
Personal · Annual fee $95
100,000 points
after $5,000 in 3 months
- Chase Travel hotel credit ($100)
- Global Entry/TSA PreCheck credit ($120)
- DoorDash DashPass ($120)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Travel credit ($300)
- The Edit hotel credit ($500)
- Dining credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.