Search Credit Card Offers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Comparison: Chase Freedom Flex® vs Delta SkyMiles® Gold American Express Card
This comparison aims to help users decide between the Chase Freedom Flex® and the Delta SkyMiles® Gold American Express Card. Both cards offer unique benefits catered to different spending habits and preferences, making it essential to analyze their features in detail.
Chase Freedom Flex®
The Chase Freedom Flex® is designed for individuals looking to maximize cash back rewards on everyday purchases. With no annual fee and a versatile rewards structure, it appeals to those who want flexible earning potential without the burden of an annual cost.
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card targets frequent travelers, especially those loyal to Delta Airlines. With a focus on earning miles that can be redeemed for flights, this card also offers valuable travel perks, though it comes with an annual fee after the first year.
Detailed Feature Comparison
| Feature | Chase Freedom Flex® | Delta SkyMiles® Gold American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 introductory annual fee for the first year, then $150 |
| Welcome Bonus | Earn a $200 Bonus after you spend $500 on purchases in your first 3 months | Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases in your first 6 months |
| Rewards Structure | 5% cash back on bonus categories, 3% on dining and drugstores, 1% on all other purchases | 2X Miles on Delta purchases, U.S. Supermarkets, and dining; 1X on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | N/A | N/A |
| Additional Benefits | Cash back rewards do not expire, access to Chase Credit Journey | Free first checked bag, priority boarding, $100 Delta Stays Credit |
Rewards Highlights
Delta SkyMiles® Gold American Express Card Rewards
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
- Earn 1X Mile on all other eligible purchases.
Chase Freedom Flex® Rewards
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Travel℠.
- 3% cash back on dining and drugstores.
- 1% cash back on all other purchases.
Pros and Cons
Chase Freedom Flex® Pros and Cons
- Pros:
- No annual fee
- Flexible cash back rewards
- Generous welcome bonus
- No foreign transaction fees
- Cons:
- Requires activation for bonus categories
- Limited travel benefits compared to travel-specific cards
Delta SkyMiles® Gold American Express Card Pros and Cons
- Pros:
- Valuable travel perks for Delta flyers
- Welcome bonus with a high potential value
- Free checked bag on Delta flights
- No foreign transaction fees
- Cons:
- Annual fee after the first year
- Less flexibility in rewards redemption compared to cash back cards
Who Should Consider Which Card?
The Chase Freedom Flex® is ideal for users who prefer to earn cash back on varied everyday purchases without paying an annual fee. It’s suited for individuals who enjoy flexibility in their rewards and want to maximize cash back on categories they frequently spend in.
The Delta SkyMiles® Gold American Express Card is best for frequent Delta travelers who can benefit from airline-specific perks such as free checked bags and priority boarding. If you regularly fly with Delta and want to earn miles toward free flights, this card may be the better choice.
Conclusion
Ultimately, choosing between the Chase Freedom Flex® and the Delta SkyMiles® Gold American Express Card comes down to your individual needs and spending habits. Consider what type of rewards you value most and how you typically use your credit card to make the best decision for your financial goals.