American Express
Delta SkyMiles® Gold American Express Card
Key Features
| Annual Fee | $150.00 |
| Sign-up Bonus | Up to 90,000 Bonus Miles |
| Rewards Rate | 1X-2X Miles |
| Regular APR | APR: 19.49% to 28.49% variable APR on purchases. |
| Network | American Express |
About this card
The Delta SkyMiles® Gold American Express Card earns an overall rating of 3.7 out of 5.0, positioning it as a 'Good' card that approaches 'Excellent' for its specific target audience. Its primary strength lies in its outstanding rewards program (4.5/5.0) and excellent fee structure (4.1/5.0) for frequent Delta flyers. The card offers a generous sign-up bonus and strong earning rates on Delta purchases, dining, and groceries. Crucially, its extensive Delta-specific benefits, such as free checked bags (first and second), the 'TakeOff 15' discount on award travel, and various statement credits (rideshare, Delta Stays, potential flight credit), provide exceptional value that easily offsets its $150 annual fee (waived the first year). The absence of foreign transaction fees is also a significant plus for a travel card, and American Express's strong reputation for customer service further enhances its appeal. However, the card's most significant drawback is its very high variable APR (1.2/5.0). This makes it an extremely poor choice for anyone who anticipates carrying a balance, as interest charges would quickly negate any earned rewards and benefits. Therefore, while it is a stellar choice for Delta loyalists who pay their balance in full each month, its uncompetitive APR prevents it from achieving a higher universal rating. Its value proposition is highly contingent on utilization of its Delta-centric perks and responsible balance management.
Pros & Cons
What's great
- Generous sign-up bonus
- No foreign transaction fees
- Airline travel benefits and credits
- Bonus rewards on Delta purchases, dining, and groceries
- Introductory no annual fee for the first year
- Valuable purchase and travel protections
Things to consider
- Annual fee applies after the first year
- No intro APR period
- Potentially high regular APR
What this card offers
Sign-up bonuses
- Limited Time Offer | 2 Days Left
- Earn Up To 90,000 Bonus Miles
- Earn 70,000 Bonus Miles after you spend $3,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2,000 in purchases within your first 6 months, starting from the date that your account is opened. Offer ends 07/15/26.
Rewards
- Earn 2X Miles at Restaurants
- Earn 2X Miles on Delta Purchases
- Earn 2X Miles at U.S. Supermarkets
- Earn 1X Miles on All Other Eligible Purchases
Other features
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- $120 Rideshare Credit: After your first Card renewal, earn up to $10 in statement credits each month when using your Delta SkyMiles® Gold American Express Card on U.S. rideshare purchases with select providers. That’s up to $120 back each year. Enrollment required.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com
- First Bag Free and NEW Second Bag Free: Enjoy your first checked bag free on Delta flights worldwide – and on domestic Delta flights, your second bag flies free too.
- TakeOff 15: Take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Zone 5 Priority Boarding: Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Pay with Miles: Take up to $50 off the cost of your ticket for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- 20% Back on In-flight Purchases: Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
- No Foreign Transaction Fees: Enjoy international travel without additional fees on purchases made abroad.
- Baggage Insurance Plan: Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
- Car Rental Loss and Damage Insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
- Global Assist Hotline: Available for 24/7 emergency assistance and coordination services when you travel more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Purchase Protection: Helps protect Covered Purchases for up to 90 days from the Covered Purchase date, subject to the Coverage Limits. Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.
- Extended Warranty: Get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories. Please read important exclusions and restrictions.
- Amex Special Ticket Access: Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select events. While supplies last, not all seats may be offered.
- American Express Venue Collection: Enjoy on-site benefits at select stadiums and arenas. Enroll your Card and get 10% back on qualifying concessions purchases up to $250 per calendar year. Limit one enrolled Card per Card Member.
- Send & Split: Send money and split purchases with other Venmo and PayPal users in the American Express App without the standard Venmo or PayPal credit card fee. Seamlessly split Amex purchases and get paid back as a statement credit. Enrollment required. Terms apply.
- Year-End Summary: The Online Year-End Summary reflects charges posted to your account from January 1st through December 31st of the prior year.
- Additional Cards: You can add an Additional Card for anyone who makes purchases for you.