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Chase Freedom Unlimited vs Delta SkyMiles Gold American Express Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Freedom UnlimitedChase | Delta SkyMiles Gold American Express CardAmerican Express |
|---|---|---|
| Rating | 4.6/5 | 4.1/5 |
| Annual Fee | $0 | $150 |
| APR | 18.24% - 27.74% | 19.49% - 28.49% |
| Signup Bonus | $250 bonus after spending $500 in 3 months | 55,000 bonus miles after spending $3,000 in 6 months |
| Rewards Rate | 5% on travel via Chase, 3% on dining & drugstores, 1.5% on everything else | 2X on Delta purchases, restaurants, and U.S. supermarkets, 1X on everything else |
| Credit Score | good | good |
| Pros | 1.5% base rate beats most flat-rate cards 0% intro APR for 15 months on purchases and balance transfers Pairs perfectly with Chase Sapphire for point transfers | Free first checked bag saves $70+ per round trip Priority boarding on all Delta flights 2X on Delta, dining, and supermarkets covers common spend |
| Cons | 3% foreign transaction fee Points worth more when paired with a Sapphire card No premium perks | $150 annual fee is high for a mid-tier airline card SkyMiles have lower cpp value than some competitors No lounge access or travel credits |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Unlimited
With a 4.6/5 rating, the Chase Freedom Unlimited edges out the Delta SkyMiles Gold American Express Card (4.1/5). No annual fee makes it easy to justify. The Freedom Unlimited is the best no-fee companion card. With 1.5% on everything plus 3% on dining, it earns strong rewards solo — and becomes elite when paired with a Chase Sapphire for point transfers.