The American Express Delta SkyMiles Gold Card is an ideal choice for frequent Delta flyers looking for a card that offers useful travel perks for a low annual fee. It is also a good option for individuals who want a credit card that will help them earn miles from day-to-day expenses. It offers no international transaction fees and an introductory $0 annual fee for the first year, then $99 for subsequent years.
Individuals looking for basic flyer perks, such as priority boarding and free first checked bags, may find the American Express Delta SkyMiles Gold 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 $1,000 on eligible purchases within the first three months. If you spend $10,000 in purchases within a calendar year, you get a $100 Delta flight credit.
Make the most of American Express Delta SkyMiles Gold Card benefits by practicing good financial habits. You can use it for your everyday purchases at restaurants and supermarkets to earn double miles. This credit card is also good for international travel since it does not have foreign transaction fees.
A great credit card for individuals looking for basic travel perks and more opportunities to earn miles
While the Delta SkyMiles Gold Card offers many benefits, it also has drawbacks. Before going through the American Express Delta SkyMiles Gold Card application, make sure you understand these pros and cons first.
While a great basic miles card, the American Express Delta SkyMiles Gold Card is not among MoneyGeek’s selection for the best credit cards for rewards. If you are looking for a credit card with better travel perks, consider getting competing travel rewards cards.
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.
As a welcome offer, new cardholders can earn 70,000 bonus miles if they make $1,000 worth of purchases within the first three months.
Using the card for day-to-day expenses allows you to earn miles, which can be used for flight ticket payments. Earn 2x miles at restaurants and supermarkets and on direct Delta purchases. For other eligible purchases, you can earn one mile for every dollar.
The American Express Delta SkyMiles Gold card has an annual fee of $99. However, this is waived in the first year.
By spending a total of $10,000 in purchases in one calendar year, you will receive a $100 Delta flight credit that you can use on your next trip.
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 American Express Delta SkyMiles Gold Card has limited travel perks. However, it has security features and customer support services that can be useful to cardholders.
"To get an idea of how many miles you will need to make a redemption with the miles you’ve earned, start searching Delta’s frequent flier program, Skymiles. A bonus goes a long way toward earning a free trip!" - Alene Laney, Credit Card Journalist
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 15.74%–24.74%. The APR for cash advances, on the other hand, is 25.24%. 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.
Fees
There is a $99 annual fee for this card. However, it is waived in the first year. There are no fees for foreign transactions. If you plan on using this card for balance transfers, keep in mind that there is a transaction fee of either $5 or 3% of the amount of each transfer, whichever is greater. For cash advances, the transaction fee is either $10 or 5%. Penalty fees for late and returned payments are up to $40.
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 at restaurants and supermarkets and on direct Delta purchases. Other eligible purchases let you earn 1x mile per dollar.
The different features, fees and offers can be found on the card issuer’s website. If you already have a credit card, you can check your latest billing statement, mobile app or online account. You can also find specific information about different credit cards using the credit card agreement database maintained by the Consumer Financial Protection Bureau.
There are many factors to consider when choosing a credit card. One of these is how you will use it in the future. There are different drawbacks and advantages of using the Delta SkyMiles Gold Card as your first and only card compared to using it as an additional credit card.
If you are thinking of using the Delta SkyMiles Gold Card as your first or only card, consider the purchases you will be making. You can use it at restaurants and U.S. supermarkets to earn double miles. However, it has a high APR. You can make this card work well for you if you can pay your bills in full monthly. Another option is to not use it for big purchases if you can’t pay it off regularly. If you travel, you can use this for international purchases without worrying about foreign transaction fees. You can also save money as it offers a free checked bag for each flight.
If you have other credit cards, review the rewards and fees and see if there are some expenses you can shift to this credit card. For instance, the miles you can earn at restaurants, supermarkets and other eligible purchases may help you save on flights in the long run. If you need a card with no transaction fee for international purchases, you can also benefit from this credit card. Since this card has an annual fee, consider the pros it offers. Make sure the American Express Delta SkyMiles Gold Card benefits outweigh the cons. For instance, if you plan on using it for many purchases totaling $10,000 in a year, you can get a $100 Delta flight credit. This can be a great way to earn back the annual fee.
MoneyGeek’s methodology and review process includes the collection of information from the Consumer Finance Protection Bureau’s database and the credit card companies to ensure accuracy of data. In evaluating each company, standardized points based on fees, bonuses and rewards are used. The process is done regularly to reflect the changes in credit card details and offers.
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.
American Express Delta SkyMiles Gold Card
United Gateway Card
Understanding all features of a credit card is crucial in making a decision. Below are some of the frequently asked questions about the American Express Delta SkyMiles Gold Card to help you decide if it is right for you.
Frequent travelers who think basic flight perks are enough and are more concerned about earning miles may find the Delta SkyMiles Gold Card a great option. However, other users may have other priorities when choosing the best credit card. Other types of credit cards, such as cash back cards, offer more rewards for consistent use. If you plan on using the credit card for your business, then a business credit card is more suitable for you.
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