Delta SkyMiles® Gold American Express Card or Chase Sapphire Reserve?
Chase Sapphire Reserve returns $2,276 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 | SAPPHIRE RESERVE |
|---|---|---|
| 🌎Travel | $100 | $1,050 |
| 🍽️Food & Dining | — | $840 |
| 🎭Entertainment & Media | — | $552 |
| ✨Lifestyle | — | $479 |
| 🚗Transportation | — | $120 |
| Lounge Access | — | |
| Total credits | $100 | $3,071 |
| Annual fee | $150 | $795 |
| Net value | -$50 | +$2,276 |
You use travel, food & dining, entertainment & media, or any of its 5 winning categories. Food & Dining and Entertainment & Media and Lifestyle and Transportation alone are worth $1,991 here and nothing on the Delta SkyMiles® Gold American Express Card.
Where to use each card
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Frequently asked questions
Which is better, Delta SkyMiles® Gold American Express Card or Chase Sapphire Reserve?
The Chase Sapphire Reserve is better with $2,276 net annual value compared to the Delta SkyMiles® Gold American Express Card at -$50. The Chase Sapphire Reserve wins by $2,326/year.
What's the difference between Delta SkyMiles® Gold American Express Card and Chase Sapphire Reserve?
The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,071 in annual benefits, while Delta SkyMiles® Gold American Express Card has a $150 annual fee and $100 in annual benefits. The annual fee difference is $645.
Which has a lower annual fee, Delta SkyMiles® Gold American Express Card or Chase Sapphire Reserve?
The Delta SkyMiles® Gold American Express Card has a lower annual fee at $150 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $3,071 in total annual benefits.
Is the Chase Sapphire Reserve worth it compared to the Delta SkyMiles® Gold American Express Card?
Yes, the Chase Sapphire Reserve offers better value with $2,276 net annual value compared to -$50 for the Delta SkyMiles® Gold American Express Card. Even though it has a higher annual fee ($795 vs $150), the Chase Sapphire Reserve provides more total benefits.
Amex vs Chase: which issuer is better?
For these specific cards, Chase's Chase Sapphire Reserve offers better value with $2,276 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The Chase Sapphire Reserve is better for travel with $1,050 in annual travel benefits compared to $100 for the Delta SkyMiles® Gold American Express Card.
Should I get the Chase Sapphire Reserve?
If you're deciding between the Delta SkyMiles® Gold American Express Card and Chase Sapphire Reserve, the Chase Sapphire Reserve is the better choice with $2,276 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.