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  1. Credit Cards
  2. Delta SkyMiles® Gold American Express Card
American Express

Delta SkyMiles® Gold American Express Card

The Delta SkyMiles® Gold American Express Card is built for casual to moderate Delta flyers who want valuable airline perks without a high annual fee. It combines practical travel features like free checked bags with elevated earning rates on everyday expenses like U.S. supermarkets and dining.

Welcome Offer
Earn 80,000 Skymiles
Annual Fee
$0 introductory annual fee for the first year, then $150.
Rec. Credit Score
Good
Good For
Casual Delta travelers
How to ApplyEstimate your value

Terms Apply. For rates and fees of Delta SkyMiles® Gold American Express Card, please visit the American Express website.

Delta SkyMiles® Gold American Express Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Delta SkyMiles® Gold American Express Card worth it?

This card is great for...

Checked baggage savings

Delta award flight discounts

Everyday grocery and dining spending

For anyone who flies Delta two or three times a year, this card easily pays for itself. The free checked bag benefit saves up to $90 per round-trip flight per person, which can offset the $150 annual fee, after the $0 introductory annual fee for the first year, in just a trip or two. Cardholders also get the TakeOff 15 feature for 15% off Delta award redemptions and up to a $100 annual Delta Stays hotel credit, making the fee easy to justify for brand loyalists.

However, if you rarely fly Delta or want transferrable points that work across multiple airlines and hotels, a flexible travel card is a better choice. The earning rates outside of Delta purchases, restaurants, and U.S. supermarkets are standard, meaning the card's long-term value comes primarily from your usage of Delta travel perks.

MaxRewards

MaxRewards Verdict

An ideal choice for occasional Delta travelers looking to save on checked bags and award flights, though less valuable for anyone wanting flexible, multi-airline rewards.

Welcome Offer

Earn 80,000 Skymiles

Offer details

You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

Required Spend

$2,000

Time Frame

6 Months

Required Spend

$2,000

Time Frame

6 Months

Earning

Rewards

You earn Delta SkyMiles directly on every purchase, with double miles on Delta bookings as well as popular daily categories like U.S. supermarkets and restaurants.

CategoryRate

Purchases (Delta)

2.4%

Restaurants

2.4%

U.S. Supermarkets

2.4%

All Other Eligible Purchases

1.2%

Rewards percent based on a valuation of 1.2¢ per Delta Skymile

Annual Credits & Perks

Benefits

The card features practical travel benefits, including day-of-flight conveniences and annual statement credits that reduce your total travel costs.

BenefitAnnual value
$200
$120
$100

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Delta SkyMiles® Gold American Express Card$120 Rideshare Credit
Autotracked
$0 of $10Every month

Benefits

Credits

20% Back on In-Flight Purchases

Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using the Delta SkyMiles Gold Card.

Benefits

Insurance

Purchase Protection

Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them 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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can 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 or possessions. Please read important exclusions and restrictions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.


Premium Car Rental Protection Enrollment Required

Enroll your eligible Card today in Premium Car Rental Protection, and you can enjoy the flexibility of two different car rental insurance plans all while helping you save on rental vehicle protection costs. When enrolled, you can receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent an eligible vehicle using your Enrolled Card. Terms apply.

Benefits

Status & Access

Zone 5 Priority Boarding

Delta SkyMiles Gold Card Members receive Zone 5 Priority Boarding on Delta flights.


Amex Special Ticket Access

Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. ¹Plus, Card Members can enjoy additional perks when attending select events. ¹While supplies last, not all seats may be offered.

Benefits

Other

TakeOff 15

Delta SkyMiles Gold Card Members take 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.


First Checked Bag Free

Delta SkyMiles Gold Card Members can check their first bag for free and save up to $90 per person on a round-trip Delta flight. For a family of four that’s a potential savings of up to $360 per round-trip flight.


Second Checked Bag Free

Delta SkyMiles Gold Basic Card Members can check their second bag for free on domestic Delta flights, saving up to an additional $110 on a round-trip Delta flight.


Miles Headstart

Need more miles? With Miles Headstart, you can receive an advance of miles.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0 introductory annual fee for the first year, then $150.

Purchase APR

19.74% - 28.74%

Variable

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

None

Balance Transfer

N/A

Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment

Up to $40

For rates and fees of Delta SkyMiles® Gold American Express Card, please visit the American Express website.

Questions

Frequently Asked Questions

Earn 80,000 Skymiles after spending $2,000 in the first 6 months.

We value the current offer at about $960, based on MaxRewards' Delta valuations.

You need to spend $2,000 within 6 months of account opening — about $400 per month on average.

Table of Contents

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

How to Apply

Terms Apply. For rates and fees of Delta SkyMiles® Gold American Express Card, please visit the American Express website.

For rates and fees of Delta SkyMiles® Gold American Express Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $4,500

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5X5Xpoints on flights and prepaid hotels on AmexTravel.com
  • 5X2Xpoints on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Effective February 17, 2027, select merchants only. See terms.
  • 5X1Xpoints on other eligible purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of The Business Platinum Card® from American Express, please visit the American Express website.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $3,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5X4XMembership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 5X3XMembership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express® Business Gold Card, please visit the American Express website.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $2,625

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5X5XMembership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
  • 5X5Xpoints on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • 5X1Xpoints on other eligible purchases.

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express Platinum Card®, please visit the American Express website.