Delta SkyMiles® Gold American Express Card or IHG One Rewards Premier Credit Card?
IHG One Rewards Premier Credit Card returns $21 over its fee and Delta SkyMiles® Gold American Express Card returns $50, so the fee difference comes down to which categories you use.
| CATEGORY | DELTA SKYMILES® GOLD AMERICAN EXPRESS CARD | IHG ONE REWARDS PREMIER CREDIT CARD |
|---|---|---|
| 🌎Travel | $100 | $50 |
| 🍽️Food & Dining | — | $40 |
| Hotel Free Night Certificates | — | |
| Total credits | $100 | $120 |
| Annual fee | $150 | $99 |
| Net value | -$50 | +$21 |
You use travel.
You use food & dining. Food & Dining alone is worth $40 here and nothing on the Delta SkyMiles® Gold American Express Card.
Frequently asked questions
Which is better, Delta SkyMiles® Gold American Express Card or IHG One Rewards Premier Credit Card?
The IHG One Rewards Premier Credit Card is better with $21 net annual value compared to the Delta SkyMiles® Gold American Express Card at -$50. The IHG One Rewards Premier Credit Card wins by $71/year.
What's the difference between Delta SkyMiles® Gold American Express Card and IHG One Rewards Premier Credit Card?
The key differences: Delta SkyMiles® Gold American Express Card has a $150 annual fee and $120 in annual benefits, while IHG One Rewards Premier Credit Card has a $99 annual fee and $100 in annual benefits. The annual fee difference is $51.
Which has a lower annual fee, Delta SkyMiles® Gold American Express Card or IHG One Rewards Premier Credit Card?
The IHG One Rewards Premier Credit Card has a lower annual fee at $99 compared to the Delta SkyMiles® Gold American Express Card at $150. However, the Delta SkyMiles® Gold American Express Card offers $100 in total annual benefits.
Is the IHG One Rewards Premier Credit Card worth it compared to the Delta SkyMiles® Gold American Express Card?
Yes, the IHG One Rewards Premier Credit Card offers better value with $21 net annual value compared to -$50 for the Delta SkyMiles® Gold American Express Card. It also has a lower annual fee.
Amex vs Chase: which issuer is better?
For these specific cards, Chase's IHG One Rewards Premier Credit Card offers better value with $21 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Should I get the IHG One Rewards Premier Credit Card?
If you're deciding between the Delta SkyMiles® Gold American Express Card and IHG One Rewards Premier Credit Card, the IHG One Rewards Premier Credit Card is the better choice with $21 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.