Delta SkyMiles® Gold American Express Card

Pros & Cons

Pros

+Welcome Bonus: 50,000 points
+Purchase protection included
+No foreign transaction fees

Cons

–High annual fee ($150/yr)
–No lounge access

Our Review

Maximize Your Delta Travel Benefits with the SkyMiles® Gold American Express Card

50,000 bonus miles after $2,000 in purchases within 6 months
2× miles on Delta purchases, at restaurants worldwide and U.S. supermarkets
1× mile on all other eligible purchases
$0 intro annual fee for the first year, then $150
No foreign transaction fees
First checked bag free for you and up to 8 companions on Delta flights
Priority boarding with Zone 5 access
20% savings on in‑flight food, beverages and audio headsets
$200 Delta flight credit after $10,000 in card spend per year
$100 annual Delta Stays credit for prepaid hotel stays or vacation rentals
15% miles back on Award Travel booked through delta.com or the Fly Delta app

This card delivers powerful perks for Delta flyers—from generous sign‑up miles and annual credits to standout baggage and boarding privileges. Whether you’re checking multiple bags, dining in the sky or booking award travel, you’ll enjoy seamless rewards and travel savings in every corner of the Delta network. Manage your account in the AmEx app and make every trip more rewarding.

Rewards

All Spending

1x

Delta SkyMiles pts per dollar

Groceries

2x

Delta SkyMiles pts per dollar

Restaurants

2x

Delta SkyMiles pts per dollar

Delta flights

2x

Delta SkyMiles pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries2x

$700/mo

Gas & EV1x

$200/mo

Transit1x

$100/mo

Restaurants2x

$300/mo

Pharmacy1x

$50/mo

Travel1x

$150/mo

Bills & recurring payments1x

$250/mo

Telecom1x

$150/mo

Entertainment & streaming1x

$100/mo

Office supplies1x

$0/mo

All other spending1x

$500/mo

Points Earned

42,000

Delta SkyMiles/yr

Estimated Value

$420

After Fees

+$270

1st Year Value

$770

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts

Gas & EV$2,400/yr × 1x2,400 pts

Transit$1,200/yr × 1x1,200 pts

Restaurants$3,600/yr × 2x7,200 pts

Pharmacy$600/yr × 1x600 pts

Travel$1,800/yr × 1x1,800 pts

Bills & recurring payments$3,000/yr × 1x3,000 pts

Telecom$1,800/yr × 1x1,800 pts

Entertainment & streaming$1,200/yr × 1x1,200 pts

All other spending$6,000/yr × 1x6,000 pts

Total annual spend$30,000

Total monthly spend$2,500

Average earn rate on spend per year1.4x

Total points earned42,000 pts

Value of points accumulated in the first year≈ $420

Perks & Benefits

Priority Boarding

Included

Luggage credit

Included

Travel Credits

Included

Additional Benefits

Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; the coordination and assistance services are offered at no additional charge, but Card Members are responsible for the costs charged by third-party service providers (Global Assist Hotline Benefit Guide). Amex Special Ticket Access; American Express Venue Collection™; Send & Split®; Year-End Summary. Travel benefits: First checked bag free on Delta flights worldwide and second bag free on domestic Delta flights; Zone 5 Priority Boarding; TakeOff 15 (15% off Award Travel booked with miles on delta.com and the Fly Delta app); Pay with Miles; 20% back on eligible Delta in-flight purchases; No Foreign Transaction Fees; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Global Assist® Hotline. Travel credits: $200 Delta Flight Credit after you spend $10,000 in purchases on the Card in a calendar year; $100 Delta Stays Credit per year on prepaid hotels or vacation rentals booked through Delta Stays on delta.com; $120 Rideshare Credit (up to $10 in statement credits each month on U.S. rideshare purchases with select providers, after your first Card renewal; enrollment required).

Travel Insurance

Lost Baggage

Up to $1,250

Purchase Protection

Up to $1,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary)

Up to $50,000 / 30 days

View the insurance certificate (PDF)

Fees and interest rates

Annual Fee
$150
Foreign currency conversion fee
0%

Terms & Conditions

Card Features

Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Enjoy a $0 introductory Annual Fee for the first year, then $150.
Delta SkyMiles Gold American Express Card Members get 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.
$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.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
$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.
Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.