Delta SkyMiles® Gold American Express Card Review

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Good for Loyal Delta Flyers Delta SkyMiles® Gold American Express Card
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Delta SkyMiles® Gold American Express Card
Editor’s Score: (3.85/5)
Learn more externa link icon At our partner’s secure site. See Rates & Fees, Terms Apply.
Good for Loyal Delta Flyers Delta SkyMiles® Gold American Express Card
Editor’s Score: (3.85/5)
  • Intro offer:
    40,000 Miles
  • Annual fee:
    $0 introductory annual fee for the first year, then $99
  • Regular APR:
    16.49% – 25.49% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.

NextAdvisor’s Take

Pros
  • Exceptional welcome offer
  • Earn bonus miles on Delta purchases and everyday spending categories
  • In-flight and airport benefits for frequent Delta flyers
  • Option to Pay with Miles when you book Delta flights
Cons
  • High variable APR
  • $99 annual fee ($0 introductory annual fee for the first year)
  • Rewards not as valuable for those who don’t often fly Delta
The Bottom Line
The Delta SkyMiles Gold American Express Card strikes a nice balance for Delta enthusiasts who want to enjoy a few travel perks without paying the annual fees of more premium travel card options (which can cost upwards of $500). For $99 annually ($0 introductory annual fee for the first year), you can score a great welcome bonus, enjoy benefits like a free checked bag on Delta flights and priority boarding, and earn bonus rewards on everyday spending categories.

Additional Card Details

  • First checked bag free and priority boarding on Delta flights
  • Annual $100 Delta Flight Credit after spending $10,000 in a calendar year
  • 20% discount on in-flight purchases of food, beverages, and audio headsets
  • No foreign transaction fees (See Rates & Fees)
  • $0 introductory annual fee for the first year, $99 annual fee
  • Travel protections
  • Purchase protections

Delta SkyMiles Gold American Express Card Full Review

Card Type

The Delta SkyMiles Gold American Express Card is a co-branded travel credit card. You’ll earn miles on your spending toward Delta’s loyalty program and get benefits to use on Delta flights.

Annual Fee

There’s a $99 annual fee to own this card, but it’s waived for the first year.

Welcome Offer

You can get 40,000 bonus miles after spending $1,000 with your card within three months of account opening. Plus, earn up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first three months of membership.

Rewards

With the Delta SkyMiles Gold Amex, you’ll earn 2x miles on dining at restaurants (including takeout and delivery in the U.S.), 2x miles on groceries at U.S. supermarkets, 2x miles on Delta purchases, and 1x on every other purchase.

This card earns miles toward Delta’s SkyMiles loyalty program, which you can use to book or upgrade Delta flights.

Fees 

The ongoing variable APR for this card is 15.99% – 24.99%. 

There are no foreign transaction fees, which makes this card a good choice for international spending. If you make a late payment, you may incur a late payment or returned payment fee up to $40 and a penalty APR of 29.99% (See Rates & Fees).

How to Use the Delta SkyMiles Gold American Express Card

When you apply for the Delta SkyMiles Gold American Express Card, begin working toward the $1,000 spending minimum within three months of account opening to earn 40,000 bonus miles.

SkyMiles values fluctuate based on when you book and your flight path, but that may be enough for a few round-trip domestic flights or even a round-trip international flight in the main cabin. Plus, you can redeem your SkyMiles at a rate of one cent each using Pay with Miles when you book with Delta, in increments of 5,000 miles. That makes the 40,000-mile welcome bonus on this card worth a minimum $400.

Longer-term, use your Delta SkyMiles Gold American Express Card for all your purchases in bonus rewards categories to maximize your SkyMiles. This includes Delta purchases, dining at restaurants, and groceries at U.S. supermarkets. If you can spend $10,000 on your card within a calendar year, you’ll also get a $100 Delta flight credit.

Just remember, these travel benefits only save you money if you use your card for purchases you would have made anyway, not by overspending simply to meet a welcome bonus threshold or score reward miles. Only charge items and expenses you can afford to pay off when your statement is due to avoid carrying a high-interest debt balance. 

Delta SkyMiles Gold American Express Card Compared to Other Cards

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Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

Editor’s Score: (3.85/5)
  • Intro offer:
    40,000 Miles
  • Annual fee:
    $0 introductory annual fee for the first year, then $99
  • Regular APR:
    16.49% – 25.49% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site See Rates & Fees, Terms Apply.
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Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

Editor’s Score: (4.15/5)

Is the Delta SkyMiles Gold American Express Card Right for You?

If you fly with Delta at least a few times per year or you want to start saving up airline miles for a dream trip, the Delta SkyMiles Gold Amex is a solid option. You’ll get a few great perks at a lower cost than many premium travel cards or other co-branded Delta cards. 

Delta charges $30 to check a single bag on domestic flights, which means this card’s free first checked bag benefit alone can offset the annual fee after just two round-trip flights. Combined with the valuable welcome bonus and ongoing rewards, even occasional Delta travelers can earn great value despite the fee.

Pro Tip

If you fly with Delta Air Lines often, there are a few reasons to charge your flights and everyday spending to this card. Not only will you earn 2x miles per dollar spent on purchases at U.S. supermarkets, all restaurant spending and Delta purchases, but you can earn a $100 Delta flight credit when you spend $10,000 on your card within a calendar year.

Just keep in mind the Delta SkyMiles Gold Amex doesn’t give you any shortcut if you’re pursuing elite status within the Delta SkyMiles program, and you won’t get access to Delta Sky Club lounges. If you want either of those benefits, consider the Delta SkyMiles® Platinum American Express Card or the Delta SkyMiles® Reserve American Express Card instead.

And if you don’t prefer flying with Delta, you may get more mileage out of a more general travel card. The Capital One Venture Rewards Credit Card and Chase Sapphire Preferred Card, for example, both charge a similar price to Delta SkyMiles Gold, but you can redeem points and miles toward a broader range of travel purchases.

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Frequently Asked Questions

What does the Delta Amex Gold get you?

The Delta SkyMiles Gold American Express Card offers 40,000 bonus miles after you spend $1,000 in purchases in your first three months. Earn 2x SkyMiles for each dollar you spend on Delta purchases, restaurants, and U.S. supermarkets. You also get perks like a free checked bag, priority boarding, and a 20% discount on in-flight purchases.

Is the Delta SkyMiles Gold American Express Card metal?

No, the Delta SkyMiles Gold American Express Card is not a metal credit card. However, both the Delta SkyMiles Platinum American Express Card and the Delta SkyMiles Reserve American Express Card are.

What is the annual fee for the Delta SkyMiles Gold American Express Card?

The annual fee on the Delta SkyMiles Gold American Express Card is $99, but has a $0 introductory annual fee for the first year.

For rates and fees of Delta SkyMiles® Gold American Express Card, please click here

For rates and fees of Delta SkyMiles® Platinum American Express Card, please click here