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American Express The Business Platinum Card vs Delta SkyMiles Gold Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. The Business Platinum Card 2.0% 1x base rate
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Dining

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. The Business Platinum Card 2.0% 1x base rate

Groceries

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. The Business Platinum Card 2.0% 1x base rate

Electronics stores

  1. The Business Platinum Card 4.0% 2x
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Home improvement

  1. The Business Platinum Card 4.0% 2x
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Shipping

  1. The Business Platinum Card 4.0% 2x
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Flights

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. The Business Platinum Card 2.0% 1x base rate

Flights · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x

Hotels · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge The Business Platinum Card $895 and Delta SkyMiles Gold Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: The Business Platinum Card takes everything else, electronics stores, home improvement and shipping; Delta SkyMiles Gold Card takes dining, groceries and flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseThe Business Platinum Card2.0%
DiningDelta SkyMiles Gold Card2.4%
GroceriesDelta SkyMiles Gold Card2.4%
Electronics storesThe Business Platinum Card4.0%
Home improvementThe Business Platinum Card4.0%
ShippingThe Business Platinum Card4.0%
FlightsDelta SkyMiles Gold Card2.4%
Flights · portalThe Business Platinum Card · American Express Travel10.0%
Hotels · portalThe Business Platinum Card · American Express Travel10.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. The Business Platinum Card — 2.0%
  2. Delta SkyMiles Gold Card — 1.2%

Dining

  1. Delta SkyMiles Gold Card — 2.4%
  2. The Business Platinum Card — 2.0%

Groceries

  1. Delta SkyMiles Gold Card — 2.4%
  2. The Business Platinum Card — 2.0%

Electronics stores

  1. The Business Platinum Card — 4.0%
  2. Delta SkyMiles Gold Card — 1.2%

Home improvement

  1. The Business Platinum Card — 4.0%
  2. Delta SkyMiles Gold Card — 1.2%

Shipping

  1. The Business Platinum Card — 4.0%
  2. Delta SkyMiles Gold Card — 1.2%

Flights

  1. Delta SkyMiles Gold Card — 2.4%
  2. The Business Platinum Card — 2.0%

Flights · portal

  1. The Business Platinum Card · American Express Travel — 10.0%

Hotels · portal

  1. The Business Platinum Card · American Express Travel — 10.0%
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