While the Delta SkyMiles Gold stands out in terms of the frequent flyer benefits you get, the Amex Gold offers a better earning rate on everyday purchases and more flexible rewards.

Choosing between the Delta SkyMiles® Gold American Express and the American Express® Gold Card depends on your brand loyalty versus your desire for flexibility. The Amex Gold ($325 annual fee) is generally the "better" card for the average person because it earns 4x points at restaurants and U.S. supermarkets, and these "Membership Rewards" points can be transferred to over 20 different airline and hotel partners—including Delta. This flexibility often yields a higher value (up to 2-3 cents per point). However, the Delta Amex Gold ($150 annual fee, $0 intro year) is better if you fly Delta at least twice a year and check bags. It offers a free first checked bag for you and up to 8 companions, which can save a family of four $280 on a single round-trip, easily offsetting the annual fee. If you spend heavily on food and want the best points, get the Amex Gold. If you are a Delta loyalist who wants "day-of-travel" perks like priority boarding and free bags for a lower fee, the Delta-specific card is the winner.