Getting the perfect credit card is now easier than ever, with fast approval. Enjoy a simple and flexible experience for hassle-free verification of your card!
What do you want?
Wells Fargo Active Cash®, American Express Gold, and Delta SkyMiles® Reserve American Express Comparison
Each of these credit cards — the Wells Fargo Active Cash®, American Express Gold, and Delta SkyMiles® Reserve American Express — has different needs, from simple cash back rewards to special travel and dining privileges. Let’s take a closer look at their benefits and how they compare to each other.
Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is a great option for those who want simple cash back rewards.
There’s an unlimited 2% cash back on all purchases, so you can maximize your rewards without having to track categories.
This card is ideal for those who prefer a low-maintenance rewards program, as it earns cash back at a competitive rate for every dollar spent.
Additional benefits include a 0% introductory APR on purchases and balance transfers, giving you financial flexibility for large purchases or debt consolidation.
With no annual fee, this card is ideal for budget-conscious users who want reliable cash back rewards without paying extra fees.
American Express Gold Card
The American Express Gold Card is a great option for dining and travel, making it a great choice for foodies and frequent travelers.
Cardmembers earn 4x points on flights in international and U.S. markets (up to the annual limit) and 3x points on flights booked directly with the airline or Amex Travel.
To complement the high earning rates, the Gold card offers annual dining credits at select restaurants and travel benefit credits that help offset the card’s annual fee.
While it has a higher annual fee, its solid earning potential and special dining and travel credits make it attractive to members who can take advantage of these benefits.
Delta SkyMiles® Reserve American Express Card
For frequent travelers, especially loyal Delta Air Lines customers, the Delta SkyMiles® Reserve American Express Card offers significant travel benefits.
Cardholders earn 3x miles on Delta and 1x miles on other eligible purchases.
The highlight of this card is the annual companion certificate, which allows cardholders to bring a companion on a domestic Delta flight for fees and expenses.
Cardholders also enhance their travel experience by gaining access to the Delta Sky Club lounge, priority boarding, free checked bags, and free upgrades on Delta flights.
While there is a high annual fee, these additional benefits can quickly outweigh the costs for frequent Delta travelers.
Comparison Chart Card Feature
| Feature | Wells Fargo Active Cash® Card | American Express Gold Card | Delta SkyMiles® Reserve Card |
|---|---|---|---|
| Annual Fee | $0 | $250 | $550 |
| Rewards Rate | 2% cash back on all purchases | 4x points on dining & U.S. groceries | 3x miles on Delta, 1x on other spend |
| Introductory APR | 0% for 15 months | None | None |
| Bonus Offers | Often includes cash bonus | Bonus points on sign-up | Bonus miles on sign-up |
| Travel Benefits | Minimal | Travel credits, no foreign fees | Delta Sky Club access, upgrades |
| Additional Perks | Cash-back simplicity | Dining & travel credits | Companion Certificate, priority perks |
Choosing the right card
For cash back: The Wells Fargo Active Cash® Card is a great choice for users who want a simple, no-fee rewards structure.
If is for dining and general rewards: The American Express Gold Card offers top-notch dining and food rewards in the U.S., plus high-value points and annual credits to match big dining and travel spend.
For Delta frequent flyers: The Delta SkyMiles® Reserve Card is ideal for Delta customers looking for unique travel experiences, like lounge access, priority boarding, and annual companion benefits.
Each of these cards caters to different financial goals and spending habits, offering value-added benefits tailored to your specific lifestyle needs.
