Home › Credit cards › Compare › Delta SkyMiles Blue Amex vs Chase Sapphire Preferred

Delta SkyMiles Blue Amex vs Chase Sapphire Preferred

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Chase Sapphire Preferred leads by 7.0 pts. Scores: Delta SkyMiles Blue Amex 66.4%, Chase Sapphire Preferred 73.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Delta SkyMiles Blue Amex nets $133/yr, Chase Sapphire Preferred nets $233/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeAmex: 10.0 · Preferred: 8.0
• Rewards rateAmex: 4.5 · Preferred: 6.0
• Sign-up bonusAmex: n/a · Preferred: 10
• Intro 0% APRAmex: 0.0 · Preferred: 0.0
• Regular APRAmex: 7.0 · Preferred: 7.4
• Foreign transaction feeAmex: 10.0 · Preferred: 10.0
• Regulatory record (CFPB)Amex: 10.0 · Preferred: 10.0

Downsides

• Delta SkyMiles Blue Amex66.4%
  American Express · travel
  Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)APR 19.74%–28.74% variableRewards 1% base; 2% diningCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable) · Late fee up to $40

• Chase Sapphire Preferred73.4%
  Chase · travel
  Annual fee $95APR 19.49%–27.74% variableRewards 5x Chase Travel; 3x dining, gas/EV, streaming & online groceries; 2x other travel; 1x otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Delta SkyMiles Blue Amex or Chase Sapphire Preferred?

On VaultRubric's rubric: Chase Sapphire Preferred scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.