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.

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.

MoneyGeek’s Take

Delta SkyMiles® Gold American Express Card Review

The Delta SkyMiles® Gold American Express 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.

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
We like the Delta SkyMiles® Gold American Express Card because it comes with a sizable welcome bonus and multiple bonus categories for earning Delta SkyMiles. As a part of its welcome offer, you earn 65,000 Bonus miles if you spend $2,000 on purchases in the first six months.
This card offers 2X miles per dollar on purchases made directly with Delta; on dining at restaurants, including takeout and delivery; as well as on groceries at U.S. supermarkets. All other purchases earn 1X miles per dollar.
While this card comes with a $99 annual fee that is waived for the first year, it charges no foreign transaction fees. You receive a $100 Delta flight credit if you spend $10,000 on purchases each year. You save 20% when you use this card to pay for Delta in-flight purchases. All cardholders get access to priority boarding on Delta flights.
Pros
No foreign transaction fee
$100 Delta flight credit
Free first checked bag
Priority boarding
Up to 20% savings on in-flight purchases

Cons
High APR
Annual fee of $99 after the first year
No luxury travel benefits
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
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

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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.

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.
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.

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:

Delta SkyMiles® Gold American Express Card vs Delta SkyMiles® Blue American Express Card

How the Delta SkyMiles® Gold American Express Card Compares

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

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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