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

Delta SkyMiles® Gold American Express

Built for casual and frequent Delta flyers alike, the Delta SkyMiles® Gold American Express Card delivers practical airport savings and solid bonus rewards on everyday spending. It works best as a hybrid card for Delta loyalists who want to waive checked bag fees and get discounts on award travel without committing to a high annual fee.

Welcome Offer
Earn 80,000 Skymiles + $250
Annual Fee
$150
Rec. Credit Score
Excellent
Good For
Occasional and frequent Delta flyers
How to ApplyEstimate your value
Delta SkyMiles® Gold American Express

All information about Delta SkyMiles® Gold American Express has been collected independently by MaxRewards. Delta SkyMiles® Gold American Express is no longer available through MaxRewards.

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 worth it?

This card is great for...

Checked bag savings on Delta

15% discount on award travel

Everyday dining and grocery purchases

For anyone who flies Delta even two or three times a year, this card easily pays for itself. The first free checked bag for you and up to eight companions on the same reservation saves up to $90 per round-trip per person, quickly offsetting the $150 annual fee, which is waived the first year. Added features like TakeOff 15, which cuts award ticket prices by 15%, and an annual $100 Delta Stays credit provide even more direct value to regular travelers.

However, if you rarely fly Delta or prefer flexible rewards that transfer to multiple airlines, a general travel card is a better fit. The card's earn rates on everyday categories like dining and supermarkets are solid, but its core value remains firmly tied to Delta flight frequency and brand loyalty.

MaxRewards

MaxRewards Verdict

The Delta SkyMiles Gold Card is an easy recommendation for anyone flying Delta a few times a year, though travelers seeking flexible, non-airline rewards should look elsewhere.

Welcome Offer

Earn 80,000 Skymiles + $250

Offer details

80,000 Skymiles after you spend $3,000 on purchases on your new card in your first 6 months of card membership.

Required Spend

$3,000

Time Frame

6 Months

Required Spend

$3,000

Time Frame

6 Months

Earning

Rewards

You will earn Delta SkyMiles on every purchase, with double miles on Delta travel, dining at restaurants, and purchases at U.S. supermarkets.

CategoryRate

Delta Air

2.4%

Dining

2.4%

Grocery

2.4%

Everywhere

1.2%

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

Annual Credits & Perks

Benefits

Beyond earn rates, this card packs valuable perks like free checked bags, award ticket discounts, and annual statement credits that easily cover the ongoing annual fee.

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$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

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

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: Excellent
Poor
Fair
Good
Excellent

Excellent 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

19.74% - 28.74%

Variable

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

None

Questions

Frequently Asked Questions

Earn 80,000 Skymiles + $250 after spending $3,000 in the first 6 months.

We value the current offer at about $1,210, based on MaxRewards' Delta valuations.

You need to spend $3,000 within 6 months of account opening — about $500 per month on average.

Table of Contents

Delta SkyMiles® Gold American Express

Delta SkyMiles® Gold American Express

How to Apply

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
Business PlatinumBusiness Platinum

300,000 Points

Worth $4,500

After you spend $20,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Car Rental (amextravel.com)
  • 2.25%7.5%Cruise (amextravel.com)

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

Business GoldBusiness Gold

200,000 Points

Worth $3,000

After you spend $15,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%6%Choice
  • 2.25%6%Choice
  • 2.25%4.5%Air Travel (amextravel.com)

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

Amex PlatinumAmex Platinum

175,000 Points

Worth $2,625

After you spend $12,000 on purchases on your new card in your first 6 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Airline
  • 2.25%7.5%Car Rental (amextravel.com)

Annual Fee

$895

Rec. Credit

Excellent

View card details

Terms Apply.