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Delta SkyMiles® Gold American Express Card vs The American Express Blue Business Cash™ Card
This comparison aims to help users decide between the Delta SkyMiles® Gold American Express Card and The American Express Blue Business Cash™ Card. Both cards offer unique benefits tailored to different spending habits and financial goals.
Card Overviews
Delta SkyMiles® Gold American Express Card
The Delta SkyMiles® Gold American Express Card is designed for frequent Delta Airlines travelers, offering a variety of travel perks including bonus miles, free checked bags, and discounts on flights. This card is ideal for those who frequently fly with Delta and want to maximize their travel rewards.
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card focuses on small business owners, providing cash back on everyday business purchases. With no annual fee and the ability to earn cash back on all eligible purchases, it suits entrepreneurs looking for flexible rewards without the burden of an annual fee.
Detailed Feature Comparison
| Feature | Delta SkyMiles® Gold American Express Card | The American Express Blue Business Cash™ Card |
|---|---|---|
| Annual Fee | $0 introductory annual fee for the first year, then $150 | No annual fee |
| Welcome Bonus | Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases in the first 6 months | Earn a $250 statement credit after you make $3,000 in purchases in the first 3 months |
| Rewards Structure | 2X Miles on Delta purchases, U.S. Supermarkets, and restaurants; 1X Miles on other purchases | 2% cash back on eligible purchases up to $50,000 per year, then 1% |
| Foreign Transaction Fee | No foreign transaction fees | No foreign transaction fees |
| Other Fees | Various fees may apply | Various fees may apply |
| Additional Benefits | Free checked bag, priority boarding, Delta flight credits | Expanded Buying Power, cash back credited automatically |
Rewards Highlights
Delta SkyMiles® Gold American Express Card
- 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.
The American Express Blue Business Cash™ Card
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- 1% cash back on all eligible purchases after spending $50,000 per calendar year.
Pros and Cons
Delta SkyMiles® Gold American Express Card
- Pros:
- Generous welcome bonus for new cardholders.
- Multiple travel benefits for Delta flyers.
- No foreign transaction fees.
- Cons:
- Annual fee after the first year.
- Limited rewards outside Delta-related purchases.
The American Express Blue Business Cash™ Card
- Pros:
- No annual fee.
- Flexible cash back rewards on all purchases.
- Good for small business expenses.
- Cons:
- Lower cash back rate after reaching the $50,000 threshold.
- Less travel-focused benefits.
Who Should Consider Which Card?
- The Delta SkyMiles® Gold American Express Card is ideal for travelers who frequently fly with Delta Airlines, value travel perks, and want to earn miles for their flights.
- The The American Express Blue Business Cash™ Card is suitable for small business owners who want to earn cash back on everyday purchases without incurring an annual fee.
Conclusion
In summary, both the Delta SkyMiles® Gold American Express Card and The American Express Blue Business Cash™ Card offer distinct advantages tailored to different users. Consider your individual needs, spending patterns, and whether you prioritize travel rewards or cash back when making your decision.