American Express
Delta SkyMiles Gold American Express Card
Estimated value every year on typical spending
$404/ year
Every year, after the annual fee. Year one adds a $880 welcome bonus: $1,284
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Rideshare Credit $120 → $42 · Delta Stays Credit $100 → $50 · Checked Bags (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Delta SkyMiles Gold American Express Card returns about $554 a year in rewards and usable credits, which covers its $150 fee with $404 to spare. The welcome bonus adds roughly $880 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- Foreign fee
- None
- Top perk
- First Bag Free and NEW Second Bag Free
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 2X miles on Delta purchases, at restaurants, and at U.S. supermarkets
- 1X miles on all other eligible purchases
Sign-up bonus
$250 Statement Credit and as high as 80,000 Bonus Miles after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
Best for
- Travelers who redeem points
Not ideal for
- People who want plain cash back
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $150
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- $500/mo on groceries earns about $132/year (2.2x).
- $1200/mo on everyday spending earns about $158/year (1.1x).
- The $150 fee pays for itself at about $1040/mo on groceries.
- You come out ahead of a no-fee 1% card after about $12500/year of groceries spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Delta SkyMiles Gold American Express Card: questions people ask
Is the Delta SkyMiles Gold American Express Card worth it?
On typical spending the Delta SkyMiles Gold American Express Card returns about $554 a year in rewards and usable credits, which covers its $150 fee with $404 to spare. The welcome bonus adds roughly $880 in the first year.
What is the Delta SkyMiles Gold American Express Card annual fee?
The Delta SkyMiles Gold American Express Card has a $150 annual fee. On typical spending its rewards and usable credits come to about $554 a year, so it nets about $404 after the fee.
What is the Delta SkyMiles Gold American Express Card welcome bonus?
$250 Statement Credit and as high as 80,000 Bonus Miles after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. We value it at about $880. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Delta SkyMiles Gold American Express Card earn?
2X miles on Delta purchases, at restaurants, and at U.S. supermarkets. 1X miles on all other eligible purchases.
What credit score do you need for the Delta SkyMiles Gold American Express Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Delta SkyMiles Gold American Express Card charge foreign transaction fees?
No. The Delta SkyMiles Gold American Express Card has no foreign transaction fee.
Compare Delta SkyMiles Gold American Express Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.