Delta SkyMiles Gold American Express Card vs. Apple Card
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
Apple Card
Goldman Sachs Bank USA
Delta SkyMiles Gold American Express Card and Apple Card 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 travel insurance; Apple Card wins on annual fee and earning ceiling.
Pick the Delta SkyMiles Gold American Express Card if year-one math is your priority; take the Apple Card 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 Apple Card
Apple Card is $150 cheaper to keep.
- Earning ceiling Apple Card
Apple Card earns more on its best category (3× vs 2×).
- Travel insurance Delta SkyMiles Gold American Express Card
Delta SkyMiles Gold American Express Card carries built-in travel insurance.
By the numbers
- Annual fee
- $150
- Free
- Welcome offer (typical value)
- $960
- —
- First-year net
- +$810
- +$0
- Peak earning rate
- 2×
- 3×
- Top categories
- Airfare, Dining, U.S. Supermarkets
- Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Delta SkyMiles
- Apple Daily Cash
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.