Delta SkyMiles Gold American Express Card vs. Chase Freedom Flex
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Delta SkyMiles Gold American Express Card
Amex
Chase Freedom Flex
Chase
Delta SkyMiles Gold American Express Card and Chase Freedom Flex split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Delta SkyMiles Gold American Express Card wins on first-year math and foreign transactions; Chase Freedom Flex wins on annual fee and earning ceiling.
Pick the Delta SkyMiles Gold American Express Card if year-one math is your priority; take the Chase Freedom Flex if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Delta SkyMiles Gold American Express Card
Delta SkyMiles Gold American Express Card wins on bonus value minus annual fee.
- Annual fee Chase Freedom Flex
Chase Freedom Flex is $150 cheaper to keep.
- Earning ceiling Chase Freedom Flex
Chase Freedom Flex earns more on its best category (5× vs 2×).
- Foreign transactions Delta SkyMiles Gold American Express Card
Delta SkyMiles Gold American Express Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $150
- Free
- Welcome offer (typical value)
- $960
- $200
- First-year net
- +$810
- +$200
- Peak earning rate
- 2×
- 5×
- Top categories
- Dining, U.S. Supermarkets, Airfare
- Rotating Quarterly, Chase Travel, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Delta SkyMiles
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.