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

Delta SkyMiles® Gold American Express Card

Built for occasional to regular Delta flyers, the Delta SkyMiles Gold American Express Card is strongest as an airline loyalty card that can save you money on trips, not as a broad everyday rewards card. Its appeal comes from flight-related perks like free checked bags and award flight discounts, with decent bonus categories at restaurants and U.S. supermarkets on the side.

Welcome Offer
You may be eligible for as high as 80,000 Bonus Miles
Annual Fee
$0 introductory annual fee for the first year, then $150.
Rec. Credit Score
Good
Good For
Delta flyers with bags
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 bag savings on Delta

Award flights with Delta miles

Airport rideshare credits

This card is worth it for travelers who fly Delta a few times a year and will actually use the airline-specific perks. The first checked bag free can quickly cover a large share of the annual fee, and the TakeOff 15 discount adds real value for anyone who redeems SkyMiles for Delta-operated flights. If you also use the Delta Stays credit and the post-renewal rideshare credit, the card becomes much easier to justify.

It is a weaker fit if you want one card for most of your spending or if you rarely fly Delta. The rewards rates are fine in a few everyday categories, but they are not the main reason to carry this card. For most people, this is a keep-for-the-perks card, especially if Delta is your airline and you check bags, rather than a card to use for every purchase.

MaxRewards

MaxRewards Verdict

The Delta SkyMiles Gold Amex makes the most sense for Delta loyalists who want lower out-of-pocket travel costs without stepping up to a premium annual fee. If you do not fly Delta often enough to use the bag benefit and award discount, its ongoing value drops off fast.

Welcome Offer

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.

Est. Value

$960

Required Spend

$2,000

Time Frame

6 Months

Est. Value

$960

Required Spend

$2,000

Time Frame

6 Months

Earning

Rewards

This card earns Delta SkyMiles, so the real question is not just how many miles you earn, but how often you use Delta flights. The bonus categories are simple and practical, though the strongest long-term value still comes from redeeming within the Delta ecosystem.

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 benefits here are centered on making Delta trips cheaper and smoother. When you look at this section, focus on the perks you would genuinely use year after year, especially checked bags, flight discounts, and the travel credits tied to Delta and rideshare spending.

BenefitAnnual value
$250
$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$200 Delta Flight Credit
Autotracked
$0 of $200Every 12 months

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.


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.


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.


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.


Premium Car Rental Protection Enrollment Required

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage. 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

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.


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.


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

$150

Purchase APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$10

Late Payment

$40

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

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 $3,000

After spending $20,000 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. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

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

Worth $2,000

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.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

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

Worth $1,750

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.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.