Amex Delta Gold vs Amex Delta Reserve
Two Delta SkyMiles cards compared
Verified October 2026
The Amex Delta Gold ($150) undercuts the Amex Delta Reserve ($650) on annual fee. Pick the Amex Delta Gold for everyday Dining 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
- 40,000 points
- Network
- American Express
- Points Currency
- Delta SkyMiles
- Earning Rates
-
Dining 2xGroceries 2xDelta Purchases 2xOther Purchases 1x
Delta SkyMiles Reserve American Express Card
- Annual Fee
- $650
- Signup Bonus
- 60,000 points
- Network
- American Express
- Points Currency
- Delta SkyMiles
- Earning Rates
-
Delta Purchases 3xOther Eligible 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: 40,000 points after $1,000 in 3 months vs Amex Delta Reserve: 60,000 points after $4,000 in 3 months
Top Earning Rate
Amex Delta Reserve winsAmex Delta Gold: 2x on Dining vs Amex Delta Reserve: 3x on Delta Purchases
Perks & Credits
Amex Delta Reserve winsAmex Delta Gold: 3 listed benefits vs Amex Delta Reserve: 5 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
- Delta Flight Credit ($200)
- Delta Stays Credit ($100)
- 20% Back on In-Flight Purchases ($0)
Delta SkyMiles Reserve American Express
- Delta Stays Credit ($200)
- Resy Credit ($240)
- Global Entry or TSA PreCheck Fee Credit ($120)
- Rideshare Credit ($120)
- 15 Delta Sky Club Visits ($0)
Which Is Right for You?
Get the Amex Delta Gold if...
- Lower $150 annual fee
- Earns 2x on Dining
- Earns 2x on Groceries
- Delta Flight Credit ($200)
Get the Amex Delta Reserve if...
- Premium benefits to offset the $650 fee
- Earns 3x on Delta Purchases
- Delta Stays Credit ($200)
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 Dining 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 Dining, 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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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.