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Blue Cash Preferred® Card from American Express vs Delta SkyMiles® Gold Business American Express Card
This comparison aims to help you decide between the Blue Cash Preferred® Card from American Express and the Delta SkyMiles® Gold Business American Express Card. Both cards offer unique benefits tailored to different spending habits and preferences.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for individuals who frequently shop at U.S. supermarkets, enjoy streaming services, and want to earn cash back on everyday purchases. With a robust rewards structure, this card is perfect for those looking to maximize their cash back potential.
Delta SkyMiles® Gold Business American Express Card
The Delta SkyMiles® Gold Business American Express Card is ideal for business owners and frequent travelers who prefer to earn miles on their purchases. With benefits tailored to Delta travelers, this card offers a range of travel perks that enhance the travel experience.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card | Delta SkyMiles® Gold Business Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95. | $0 introductory annual fee for the first year, then $150. |
| Welcome Bonus | Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months. | Earn 60,000 Bonus Miles after spending $4,000 in purchases in the first 6 months. |
| Rewards Structure | 6% Cash Back at U.S. supermarkets (up to $6,000 per year), 6% on select streaming services, 3% at gas stations, 3% on transit, 1% on other purchases. | 2 miles per dollar at U.S. Shipping and Advertising providers (up to $50,000), 2 miles on Delta purchases and restaurants, 1 mile on other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | Plan It® fees may apply after the first 12 months | None specified |
| Additional Benefits | $84 Disney Bundle Credit, Buy Now, Pay Later feature | First Checked Bag Free, Zone 5 Priority Boarding, $200 Delta Flight Credit after $10,000 spend in a year. |
Rewards Highlights
Blue Cash Preferred® Card from American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses, and more.
- 3% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
Delta SkyMiles® Gold Business American Express Card
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on purchases.
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on groceries and streaming services.
- No foreign transaction fees.
- Introductory annual fee is waived for the first year.
- Cons:
- Annual fee after the first year is relatively high.
- Cash back is limited to specific categories.
Delta SkyMiles® Gold Business American Express Card
- Pros:
- Strong rewards for travel-related purchases.
- First checked bag is free on Delta flights.
- Introductory annual fee is waived for the first year.
- Cons:
- Annual fee increases after the first year.
- Rewards are more beneficial for Delta travelers.
Who Should Consider Which Card?
- Blue Cash Preferred® Card from American Express: Ideal for individuals and families who spend heavily on groceries and streaming services and prefer cash back rewards.
- Delta SkyMiles® Gold Business American Express Card: Best suited for business owners and frequent Delta travelers looking to earn travel rewards and enjoy travel-related benefits.
Conclusion
When choosing between the Blue Cash Preferred® Card from American Express and the Delta SkyMiles® Gold Business American Express Card, consider your spending habits, travel preferences, and financial goals. Each card offers unique benefits that cater to different lifestyles, making it essential to choose the one that aligns best with your needs.