Head-to-head · 🇺🇸 United States
Amex Delta SkyMiles Gold vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
American Express
Amex Delta SkyMiles Gold
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
US
Wells Fargo
Wells Fargo Reflect
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Amex Delta SkyMiles Gold | Wells Fargo Reflect |
|---|---|---|
| Annual fee | · $150 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 2% (travel) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 40,000 SkyMiles after $2,000 spend in 6 months | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
Amex Delta SkyMiles Gold
- 2x miles on Delta + restaurants + US supermarkets
- $200 Delta flight credit annually
- Free first checked bag (worth ~$60 each way)
- Priority Boarding (Zone 5)
- 15% miles discount on award flights
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Amex Delta SkyMiles Gold vs Wells Fargo Reflect: which is better?
It's a true tie — pick the one whose boost categories match your spend. Amex Delta SkyMiles Gold wins on 2 criteria, Wells Fargo Reflect on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Delta SkyMiles Gold for its best categories, Wells Fargo Reflect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Delta SkyMiles Gold: 40,000 SkyMiles after $2,000 spend in 6 months. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.