American Express Schwab Investor Card vs Delta SkyMiles Gold American Express Card

Common questions

Which card has the bigger sign-up bonus, American Express Schwab Investor Card or Delta SkyMiles Gold American Express Card?

The Delta SkyMiles Gold American Express Card has the bigger bonus, 80,000 bonus miles, worth roughly $960, versus 10,000 Membership Rewards points (~$110) on the American Express Schwab Investor Card.

Is the American Express Schwab Investor Card's $0 annual fee worth it compared to the Delta SkyMiles Gold American Express Card?

The American Express Schwab Investor Card has no annual fee, so the question is whether the Delta SkyMiles Gold American Express Card's $150 fee is justified by its perks. If you'll use enough of the Delta SkyMiles Gold American Express Card's benefits to clear $150 in value annually, it's worth it; otherwise stick with the American Express Schwab Investor Card.

Can I have both the American Express Schwab Investor Card and Delta SkyMiles Gold American Express Card?

Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the American Express Schwab Investor Card or the Delta SkyMiles Gold American Express Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Schwab Investor Card: $1,000 spend in 6 months. Delta SkyMiles Gold American Express Card: $3,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.