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COMPARE/DELTA SKYMILES GOLD BUSINESS VS THE RITZ-CARLTON CREDIT CARD
FIRST CARD
SECOND CARD

Delta SkyMiles Gold Business or The Ritz-Carlton Credit Card?

Delta SkyMiles Gold Business returns $0 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

Delta SkyMiles Gold Business
Delta SkyMiles Gold BusinessAmerican Express · $150 fee · 1 credits
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE+$0$150 credits
NET VALUE-$120$330 credits
BEST NET VALUE
Delta SkyMiles Gold Business
AMERICAN EXPRESSDelta SkyMiles Gold Business
FEE$150
CREDITS$150
NET+$0
Category wins0 of 1
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins1 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel.

Where to use each card

DELTA SKYMILES GOLD BUSINESS

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THE RITZ-CARLTON CREDIT CARD
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Frequently asked questions

Which is better, Delta SkyMiles Gold Business or The Ritz-Carlton Credit Card?

The Delta SkyMiles Gold Business is better with $0 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Delta SkyMiles Gold Business wins by $120/year.

What's the difference between Delta SkyMiles Gold Business and The Ritz-Carlton Credit Card?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits, while Delta SkyMiles Gold Business has a $150 annual fee and $150 in annual benefits. The annual fee difference is $300.

Which has a lower annual fee, Delta SkyMiles Gold Business or The Ritz-Carlton Credit Card?

The Delta SkyMiles Gold Business has a lower annual fee at $150 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the Delta SkyMiles Gold Business worth it compared to the Ritz-Carlton Credit Card?

Yes, the Delta SkyMiles Gold Business offers better value with $0 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Amex vs Chase: which issuer is better?

For these specific cards, Amex's Delta SkyMiles Gold Business offers better value with $0 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for travel?

The Ritz-Carlton Credit Card is better for travel with $300 in annual travel benefits compared to $150 for the Delta SkyMiles Gold Business.

Should I get the Delta SkyMiles Gold Business?

If you're deciding between the Delta SkyMiles Gold Business and The Ritz-Carlton Credit Card, the Delta SkyMiles Gold Business is the better choice with $0 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
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American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE DELTA SKYMILES GOLD BUSINESS COMPARISONS

MORE THE RITZ-CARLTON CREDIT CARD COMPARISONS