The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.


  • Delta SkyMiles® Gold American Express Card

    A great credit card for individuals looking for basic travel perks and more opportunities to earn miles.


    • 1–2 Miles per $1Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $99Annual Fee
    • Good–ExcellentRecommended Credit

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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 70,000 bonus miles when you spend $2,000 on eligible purchases within the first six months. The offer ends on 3/29/2023. If you spend $10,000 in purchases within a calendar year, you get a $100 Delta flight credit.

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 double miles at supermarkets and restaurants and on direct Delta 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

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.

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    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.

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    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.

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    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.

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.

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.

In-Depth Credit Card Comparisons:
How the Delta SkyMiles® Gold American Express Card Compares

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Delta SkyMiles® Gold American Express Card

  • Annual Fee: $0 in the first year and $99 in subsequent years
  • Foreign Transaction Fee: 0%
  • Regular APR on Purchases: 20.99% – 29.99% variable
  • Welcome Bonus: Earn 65,000 bonus miles by spending $2,000 in purchases within the first six months.
  • Best For: Delta travelers looking for basic travel perks and more opportunities to earn miles
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United Gateway Card

  • Annual Fee: $0
  • Foreign Transaction Fee: 0%
  • Regular APR on Purchases: 21.49% – 28.49% variable
  • Welcome Bonus: Earn 30,000 bonus miles after spending $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

*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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