Delta SkyMiles Gold American Express Card Credit Card

Delta SkyMiles Gold American Express Card

Last Updated: 02/24/2026

Rating
3.7 / 5
Sign Up Bonus
Up to 90,000 Miles
Annual Fee
$150
Credit Score
Good

Summary

Sign-Up Bonus
2.5
Spending Multipliers
3.5
Credits & Features
2.5
Fees
4
Application
5
Issuer
NaN

The American Express Delta SkyMiles Gold American Express Card is an entry-level airline credit card built for occasional to moderate flyers of Delta Air Lines who want valuable travel perks without committing to a high annual fee. With the annual fee waived in the first year and no foreign transaction fees, this card is ideal for travelers looking to test Delta loyalty while enjoying benefits like a first checked bag free, 15% savings on Delta award bookings, 20% back on in-flight purchases, and a $100 Delta Stays credit. Cardholders can also earn a $200 Delta flight credit after $10,000 in annual spending—though that spending threshold may be a drawback for lighter users—and bonus rewards on groceries are limited to U.S. supermarkets. Additional value comes from free authorized users, baggage insurance, car rental loss and damage insurance, purchase protection (up to $1,000 per occurrence and $50,000 per year), and extended warranty coverage. Overall, the Delta SkyMiles Gold American Express Card is best suited for budget-conscious Delta flyers who want to save on baggage fees and earn airline rewards without paying a premium annual fee long term.

Pros

Check mark
Annual fee waived in first year
Check mark
No fee for additional cardholders
Check mark
No foreign transaction fee
Check mark
Purchase protection up to $1,000 per occurrence and $50,000 per calendar year
Check mark
Extended warranty up to $10,000 per item and $50,000 per calendar year

Cons

Negative sign
Welcome offer may not be available to all applicants
Negative sign
Requires $10,000 spend for $100 Delta credit
Negative sign
2x spend on groceries is limited to US based supermarkets only

Issuer

Spending Multipliers

Credits & Features

$100 Delta Stay Credit
$200 Delta flight credit after $10,000 in spend
First checked bag free on Delta flights
Save 15% when booking Delta award travel
20% Back on Delta in-flight purchases
Baggage insurance
Car Rental Loss and Damage Insurance coverage

Application

  • Welcome offer can only be received once in a lifetime
  • Opening this might card effects your welcome offer eligibility on other cards in the same family
  • Number of hard pull are usually irrelevant for American Express
  • Consider having at least a credit history for 6 months and avoid applying to different cards in the same card family for at least 90 days
  • American Express limits customers to 5 credit cards

Fees

  • $150 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.49% - 28.49% Variable APR
  • 28.74% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process