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American Express Delta SkyMiles Gold Card vs Graphite Business Cash Unlimited 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. Graphite Business Cash Unlimited Card 2.0% 2% base rate
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Dining

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Groceries

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Flights

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Flights · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel 5.0% 5%

Hotels · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel 5.0% 5%

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Delta SkyMiles Gold Card $150 and Graphite Business Cash Unlimited Card $295 a year, so a thin lead in one category may not cover the difference.

Where they differ: Graphite Business Cash Unlimited Card takes everything else; Delta SkyMiles Gold Card takes dining, groceries and flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseGraphite Business Cash Unlimited Card2.0%
DiningDelta SkyMiles Gold Card2.4%
GroceriesDelta SkyMiles Gold Card2.4%
FlightsDelta SkyMiles Gold Card2.4%
Flights · portalGraphite Business Cash Unlimited Card · American Express Travel5.0%
Hotels · portalGraphite Business Cash Unlimited Card · American Express Travel5.0%

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. Graphite Business Cash Unlimited Card — 2.0%
  2. Delta SkyMiles Gold Card — 1.2%

Dining

  1. Delta SkyMiles Gold Card — 2.4%
  2. Graphite Business Cash Unlimited Card — 2.0%

Groceries

  1. Delta SkyMiles Gold Card — 2.4%
  2. Graphite Business Cash Unlimited Card — 2.0%

Flights

  1. Delta SkyMiles Gold Card — 2.4%
  2. Graphite Business Cash Unlimited Card — 2.0%

Flights · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel — 5.0%

Hotels · portal

  1. Graphite Business Cash Unlimited Card · American Express Travel — 5.0%
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