6% back on groceries with a $6,000 cap for the Amex, $95 fee, cap met in July, gas is 3% back. Chase visa has 5% back on groceries with a 12k cap, no fee. Bank of America visa has 3% back online orders, no fee.
Delta Amex with 100,000+ miles is used for automated bills, $95 fee. Pre-covid I made back the $95 fee by saving on checked bags etc. Will be cancelled in January due to covid.
I have United-branded Visa. I was going to cancel it but the rep said that I could pay the annual fee of $95 with miles. I have it to avoid paying bag fees. Haven't traveled with United for more than a year. I guess I'll keep it until the miles run out.
I don't know if you can do the same with your Delta Amex but FYI.
Delta Amex with 100,000+ miles is used for automated bills, $95 fee. Pre-covid I made back the $95 fee by saving on checked bags etc. Will be cancelled in January due to covid.