Delta SkyMiles® Gold American Express Card
vs. Delta SkyMiles® Blue American Express Card

Shield Insurance

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The Delta SkyMiles® Gold American Express Card is the better choice for frequent Delta flyers due to its superior rewards and travel perks. It offers 2X miles on Delta purchases, groceries, and dining, plus free checked bags and priority boarding. The Delta SkyMiles® Blue American Express Card, with no annual fee, is a solid option for those seeking basic Delta rewards without extra costs.

MoneyGeek's Delta card comparison breaks down the card details, rewards and perks to help you decide which is right for you.

Credit Card logo for Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card
Credit Card logo for Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Blue American Express Card
MoneyGeek Rating
4.7/ of 5
MoneyGeek Rating
4.2/ of 5
On Issuer's Site
On Issuer's Site

Who Delta SkyMiles Gold Is Best For

The Delta SkyMiles Gold is likely to be better for frequent Delta travelers who can take advantage of its travel perks, like a free first checked bag and priority boarding. It also offers high earning potential at U.S. supermarkets and restaurants.

Who Delta SkyMiles Blue Is Best For

The Delta SkyMiles Blue is likely to be better for those who want to earn Delta SkyMiles without paying an annual fee. It suits budget-conscious travelers who make occasional Delta flights and dine out frequently, as it offers 2X miles on Delta purchases and dining.

Head-to-Head Comparison: Card Details and Features

Point-by-point comparisons of APRs, fees, required credit, rewards, introductory offers and other features help you determine which card best meets your needs. For instance, if you frequently shop at U.S. supermarkets, the Delta SkyMiles Gold card's 2X miles offer may be more rewarding than the Delta SkyMiles Blue card which lacks the supermarket rewards.

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    Regular APR: Tie

    Both Delta SkyMiles Gold and Delta SkyMiles Blue offer the same Regular APR range of 20.49% to 29.49% variable, making them equal in this aspect.

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    Annual Fee: Delta SkyMiles Blue

    Delta SkyMiles Blue is better for annual fees, as it has no annual fee. Delta SkyMiles Gold offers a $0 introductory fee for the first year, then $150, which may appeal to frequent travelers who benefit from its perks.

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    Introductory 0% APRs: Tie

    Neither Delta SkyMiles Gold nor Delta SkyMiles Blue offers an introductory 0% APR on purchases or balance transfers. Consider other features when making a decision.

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    Rewards: Delta SkyMiles Gold

    Delta SkyMiles Gold is better for rewards, offering 2X miles on Delta purchases, U.S. supermarkets and dining. Delta SkyMiles Blue offers 2X miles on Delta purchases and dining, but lacks the supermarket category.

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    Welcome Offers: Delta SkyMiles Gold

    Delta SkyMiles Gold is better for welcome offers, providing 50,000 bonus miles after spending $2,000 in 6 months, with a higher intro offer ROI. Delta SkyMiles Blue offers 10,000 miles after spending $1,000, with a lower ROI.

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    Recommended Credit Score: Tie

    Both Delta SkyMiles Blue and Delta SkyMiles Gold require a recommended credit score of 670-850, making them equally accessible to those with good to excellent credit.

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    Penalties and Fees: Tie

    Both Delta SkyMiles Blue and Delta SkyMiles Gold have identical penalties and fees. They charge up to $40 for late payments, a 29.99% penalty APR, and a cash advance fee of either $10 or 5% of the amount. Neither card has foreign transaction fees.

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    Issuer Satisfaction: Tie

    Both the Gold and Blue cards are issued by American Express, resulting in identical issuer satisfaction scores.

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    Card Benefits: Delta SkyMiles Gold

    Delta SkyMiles Gold is better for card benefits, offering perks like a free first checked bag and priority boarding, valued at $210 and $96 respectively. Delta SkyMiles Blue offers in-flight purchase discounts and Pay with Miles flexibility, but with lower overall value.

Rewards Comparison

The Delta SkyMiles Gold card generally offers better value due to its higher earning potential at U.S. supermarkets and restaurants. Both cards earn Delta SkyMiles, valued at approximately 1.4 cents each, making them valuable for frequent Delta flyers.

The Delta SkyMiles Blue card earns 2X miles at restaurants and on Delta purchases, while the Delta Gold card adds U.S. supermarkets to its 2X earning categories. This makes the Delta Gold card more versatile for everyday spending. Below is a table summarizing the bonus categories for each card.

Category
Delta SkyMiles Gold
Delta SkyMiles Blue

Delta Purchases

2X miles

2X miles

U.S. Supermarkets

2X miles

1X mile

Dining

2X miles

2X miles

All Other

1X mile

1X mile

Redeeming Rewards

Both the Delta SkyMiles Blue and Gold cards offer miles that can be redeemed for Delta flights and upgrades, with no expiration. While the Delta Gold card provides more opportunities to earn miles, enhancing redemption potential, both cards are limited by the Delta SkyMiles program, which may not offer as much flexibility as other rewards programs.

Card Benefits Comparison

The Delta SkyMiles Gold card offers superior perks, especially for those who travel with Delta. It includes a free checked bag and priority boarding, which are valuable for frequent flyers. The Delta SKyMiles Blue card provides savings on in-flight purchases and flexibility with Pay with Miles, appealing to budget-conscious travelers.

Delta SkyMiles Gold Perks

Travel Perks

  • Free checked first bags for you and up to eight companions on Delta flights
  • Main Cabin 1 Priority Boarding on Delta flights

Status

  • Save 15% when booking Award Travel on Delta flights through delta.com and the Fly Delta app
  • Take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app

Insurance & Protections

  • Secondary coverage for damage or theft of rental car
  • Coverage for lost, damaged or stolen baggage

Credits & Discounts

  • Earn a $200 Delta Flight Credit after $10,000 in purchases in a calendar year
  • Get up to $100 back per year as a statement credit after using your Delta Gold Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com/stays
  • 20% savings on eligible in-flight purchases in the form of a statement credit

All Other Perks

  • Free enrollment for a complimentary ShopRunner membership
  • 24/7 emergency assistance and coordination services through Global Assist® Hotline

Delta SkyMiles Blue Perks

Travel Perks

  • Secondary coverage for damage or theft of rental car

Credits & Discounts

  • Take up to $50 off the cost of your flight for every 5,000 miles redeemed with Pay with Miles
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages

All Other Perks

  • Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you
  • With ShopRunner, you can get free 2-day shipping and free return shipping on eligible items at 100+ online stores

FAQ: Delta SkyMiles Blue vs. Delta SkyMiles Gold

What are the annual fees for each card?
Which card offers a better introductory bonus?
Do both cards offer free checked bags?
What are the rewards rates for dining and Delta purchases?
Are there any foreign transaction fees?

Methodology

MoneyGeek's scoring process evaluates each card based on multiple use cases, ensuring the scores reflect the cards' strengths. In this comparison, the scores shown represent the best performance of each card in the 'Airline' category. Several factors determine this score:

  • Expected value for travelers: Measures the monetary value of rewards and perks minus the annual fees for frequent travelers.
  • Airline scope: Rates the number of destinations the airline flies to, which helps inform the breadth of travel options for the airline program.
  • Introductory offer ROI value: Assesses the return on investment (ROI) from the card's sign-up bonus.
  • Airline rewards rate for travelers: Evaluates the rewards earned on airline expenditures for frequent travelers.
  • Issuer satisfaction: Based on customer satisfaction ratings from studies like J.D. Power.
  • Foreign transaction fees: Rates the card's fees for international transactions.
  • Recommended credit: Indicates the credit score range required for approval.

For more details on our scoring process, review our ranking methodology.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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