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MoneyGeek’s Take
Delta SkyMiles® Gold American Express Card Review
Updated: July 21, 2024
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Delta SkyMiles® Gold American Express Card
On Partner's Website
Rewards Rate
Earn 1X – 2X milesEarn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Mile on all other eligible purchases.
APR
20.99% - 29.99% variableAnnual Fee
$0 introductory annual fee for the first year, the...Recommended Credit
670-850 (Good to Excellent)
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Individuals looking for basic flyer perks, such as priority boarding and free first-checked bags, may find the Delta SkyMiles® Gold American Express Card benefits suitable for their needs. This credit card allows you to earn double miles from your daily expenses at restaurants and U.S. supermarkets. An added benefit is the welcome offer of 40,000 bonus miles when you spend $2,000 on eligible purchases within the first six months. You will also receive a $200 Delta Flight Credit after spending $10,000 in purchases in a calendar year.
Delta SkyMiles® Gold American Express Card Overview
The different bonuses and rewards that come with the Delta SkyMiles Gold Card make it an appealing option for many individuals. You can enjoy welcome bonuses, opportunities to earn miles and buy tickets by redeeming miles. Familiarize yourself with these features and compare them with other credit cards to ensure you are getting the right card for your needs.
Quick Take
- 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.
- Pay part or all of your ticket costs using miles
- Global Assist Hotline
- Purchase protection against theft or accidental damage
- Extended warranty of one additional year
- Dispute resolution for fraudulent or incorrect charges
- Terms Apply
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.
Important Card Details
Aside from the features, bonuses and offers, it is important to understand the fees, interest rates and reward earning rates. This way, you can determine whether it is a good addition to your wallet and will be helpful in managing your finances.
Interest rates
The annual percentage rate (APR) for purchases made through the Delta SkyMiles Gold Card is 20.99% – 29.99%. The APR for cash advances, on the other hand, is 29.99%. Additionally, the APR for penalties for those with one or more late payments and those whose payments are returned by the bank is 29.99%. These rates are high, so you may want to make sure you can pay your bills in full every month. The APR varies with the market depending on the Prime Rate. See rate and fees
Fees
There is a $150 annual fee, $0 Intro fee for the first year. There are no fees for foreign transactions. For cash advances, the transaction fee is either $10 or 5%. Penalty fees for late and returned payments are up to $40. See rate and fees
Rewards rates
Earning miles is easily achieved through day-to-day purchases. If you use the Delta SkyMiles Gold Card, you can 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.
Additional Benefits
When choosing a credit card, it is important to consider your needs and circumstances. See if the features that they offer are beneficial for you. For instance, the Delta SkyMiles® Gold American Express Card has limited travel perks. However, it has security features and customer support services that can be useful to cardholders.
- Extended warranty: If you use the Delta SkyMiles Gold Card for covered purchases, you automatically get a one-year warranty extension added to the original manufacturer’s warranty. This applies to covered purchases in the U.S. with warranties of five years or less.
- Purchase protection: Using this credit card to pay for covered purchases gives you protection against accidental damage or theft for up to 90 days from the date you purchased the item.
- Dispute resolution: If you find a fraudulent or incorrect charge on your statement, American Express will help you resolve the issue.
- Customer support: The Delta SkyMiles® Gold American Express Card offers customer service 24/7 for those who travel 100 miles or more away from home through the Global Assist Hotline. You can also get emergency assistance and coordination services. Additionally, American Express got the highest rating of 838 in J.D. Power’s 2020 Credit Card Satisfaction Study.
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.
How the Delta SkyMiles® Gold American Express Card Compares To Other Cards
Generally, the Delta SkyMiles Gold Card can compete with other cards in its category. It offers many opportunities to earn miles, along with basic travel perks, an affordable annual fee and no foreign transaction fee. However, it is important to shop around and compare features to ensure you are getting the best credit card based on your finances and needs.
How the Delta SkyMiles® Gold American Express Card Compares
Delta SkyMiles® Gold American Express Card
- Annual Fee: $0 in the first year and $150 in subsequent years See rate and fees
- Foreign Transaction Fee: 0% See rate and fees
- Regular APR on Purchases: 20.99% – 29.99% variable See rate and fees
- Welcome Bonus: Earn 40,000 Bonus Miles after spending $2,000 in eligible purchases within the first six months of card membership.
- Terms Apply
- See rate and fees
- Best For: Delta travelers looking for basic travel perks and more opportunities to earn miles
United Gateway Card
- Annual Fee: $0
- Foreign Transaction Fee: 0%
- Regular APR on Purchases: 21.99% - 28.99% variable
- Welcome Bonus: Limited-time offer: Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
- Best For: United travelers looking for a no-annual-fee rewards card
Frequently Asked Questions
What is the average credit score needed to get approved for the Delta SkyMiles® Gold American Express Card?
Generally, there is no available information regarding the credit score needed to get approved for an Delta SkyMiles® Gold American Express Card. However, having good to excellent credit (690 or above) will be advantageous for credit card applications.
Does the Delta SkyMiles® Gold American Express Card report to all three credit bureaus?
Yes, it does.
Is the Delta SkyMiles® Gold American Express Card application process lengthy? Can you prequalify?
Interested parties can apply online. You can finish the form in minutes and get a decision in as little as 30 seconds. You can find out if you are eligible for pre-qualification using the online application form found on the company website.
What information is needed to apply for the Delta SkyMiles® Gold American Express Card?
You will have to provide personal information, such as your full name, the name you will put on the card, email address, date of birth, home address, mobile phone number, Social Security number, total annual income and income source.
Does the Delta SkyMiles® Gold American Express Card have good customer service or satisfaction?
Yes, it does. The Delta SkyMiles® Gold American Express Card offers 24/7 assistance through the Global Assist Hotline, which provides services when you travel 100 miles or more away from your home. Additionally, the company also received the highest rating in the 2020 J.D. Power Credit Card Satisfaction Study.
Does the Delta SkyMiles® Gold American Express Card have a mobile app or the option to pay or manage your account online?
Yes, cardholders can use the mobile app or their online account to pay credit card bills and manage their account.
Does the Delta SkyMiles® Gold American Express Card raise credit limits automatically or charge for limit increases?
Yes, while you can apply for a credit limit increase, American Express can opt to automatically increase your limit as well. There is no charge for limit increases.
Does the Delta SkyMiles® Gold American Express Card offer the options to freeze your credit/account or have other security features?
Yes, cardholders can freeze or unfreeze their account using the American Express app.
Does American Express offer other credit cards besides the Delta SkyMiles® Gold American Express Card?
Yes, there are dozens of other credit cards available from American Express. These include Delta SkyMiles Blue Card, Delta SkyMiles Platinum Card and Delta SkyMiles Reserve Card, among many others.
For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.