Chase Sapphire Preferred vs Delta SkyMiles Platinum American Express Card

The Chase Sapphire Preferred ($95/year) and the Delta SkyMiles Platinum American Express Card ($350/year) compete on different axes. The Chase Sapphire Preferred's strongest category is 5x on Travel (Chase), while the Delta SkyMiles Platinum American Express Card leads with 3x on Delta Purchases. The Delta SkyMiles Platinum American Express Card costs $255 more per year, so you need at least $255 in incremental rewards to justify it over the Chase Sapphire Preferred. At typical spend levels this breaks even somewhere between $7,650 and $15,300 in bonus-category purchases annually. Our model scores these cards effectively even (2-1). Pick the Chase Sapphire Preferred if you spend heavily on travel (chase); pick the Delta SkyMiles Platinum American Express Card if you spend heavily on delta purchases.

Too close to call — pick based on your primary spending category