Key facts
If Delta Air Lines is your preferred carrier, the Delta SkyMiles® Gold American Express Card is an affordable airline credit card option that will give you elite-like benefits for a fraction of the cost. You’ll earn Delta SkyMiles faster through card spend and even enjoy an exclusive cardholder benefit: 15% off award rates when redeeming miles with the card.
Min. Credit Score for Approval:
670-739 * GoodOngoing APR:
20.99%-29.99% VariableForeign Transaction Fee:
0%The free checked bag benefit can also save you $30 per one-way flight — so if you fly Delta even just a handful of times per year, the $150 annual fee pays for itself. With no foreign transaction fees, the Delta SkyMiles Gold is a great travel companion to bring along with you.
Reward multipliers
The Delta SkyMiles Gold card delivers 2x miles per $1 spent on restaurants (including takeout and delivery in the U.S.), U.S. supermarkets, eligible Delta purchases, and 1x mile per $1 spent on all other eligible purchases.
* American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
Earns bonus points for spend in the following bonus categories:
Applies only to airfare booked directly with Delta Air Lines; otherwise earn 1X
Estimated Rewards Value: 2.4%
Estimated Rewards Value: 2.4%
At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
Estimated Rewards Value: 2.4%
Estimated Rewards Value: 1.2%
Key features
Unique Card Benefits
Earn an Annual $100 Delta Flight Credit
By spending $10,000 or more on card purchases in a calendar year, you can receive a $200 Delta flight credit that can be used on future travel. You can track your progress on the Delta app.
$100 Delta Stays Credit
Delta SkyMiles® Gold American Express Card Members can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
Save 15% on Award Flight Redemptions with TakeOff 15
This benefit, called “TakeOff 15,” gives Delta Amex Gold card members a great 15% discount off award flights on Delta’s website or on the Fly Delta app as long as the flight is entirely operated by Delta (it does not apply to redemptions on partner airlines).
Pay with Miles
On flights marked as “Pay with Miles” eligible, you can reduce the cost of your Delta flight by $50 for 5,000 miles, $100 for 10,000 miles and so on.
20% Back on In-Flight Purchases
If you choose to purchase anything onboard, enjoy a 20% statement credit on those onboard Delta purchases.
Complimentary Shoprunner Membership
ShopRunner gives you access to free 2-day shipping and returns to hundreds of online stores, and you can enroll in a complimentary membership as a Delta Gold American Express Card holder.
Free Checked Bags
Enjoy a first checked bag free for you and up to eight travel companions on the same reservation, saving you potentially hundreds of dollars depending on how often you fly Delta.
Priority Boarding
With the priority boarding benefit, you and up to eight travelers on the same reservation can join boarding group Main Cabin 1.
Secondary Car Rental CDW Waiver
When you use your card to reserve and pay for the Entire Rental and decline the collision damage waiver at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Rental car coverage is secondary to any primary insurance you may have.
Terms:
Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Extended Warranty
When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less on Covered Purchases in the U.S. or its territories.
Terms:
When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company.
Purchase Protection
When you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits, up to $1,000 per occurrence and $50,000 per calendar year.
Terms:
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company.
Trip Protections
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card.
Terms:
Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company.
This card does not include other trip protections like Trip Delay or Cancellation.
Travel and Emergency Assistance Services
While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers.
Terms:
You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
Card Members are responsible for the costs charged by third-party service providers.
No Fees for Authorized Users
If you want to add additional card members, there’s no additional annual fee to worry about. Plus, all card spend made by authorized users will rack up more SkyMiles for the primary cardholder.
No Foreign Transaction Fees
You won’t have to worry about paying foreign transaction fees when you swipe your Delta Gold card in a different currency.
Amex Offers
The Delta Gold Amex gives you access to up to 100 money-saving discounts through Amex, the credit card issuer.
You can add Amex Offers on your online Amex account or on the Amex app, meet the spending requirements and save accordingly.
Earn more rewards by combining credit cards
Pros & cons
- You'll save 15% when you use SkyMiles to book eligible Delta award flights
- Free first checked bag and Main Cabin 1 boarding on Delta flights
- Earn a $200 Delta flight credit after spending $10,000 in a calendar year
- While there's a $0 introductory annual fee for the first year of account opening, the Delta SkyMiles Gold charges a $150 annual fee thereafter.
- The card does not provide more than 2x miles on purchases, even on Delta flights
- You do not get Delta Sky Club access or elite-qualifying miles
Our review
The Delta SkyMiles Gold American Express Card charges a $0 introductory annual fee (then $150) and presents many ways for Delta Air Lines flyers to save money — whether they’re booking their flight with SkyMiles or are already in the air.
You’ll earn credit card rewards accordingly: 2x Delta miles on restaurants, at U.S. supermarkets and on eligible Delta purchases, plus 1x miles on other eligible purchases. Finally, if you manage to spend $10,000 or more on the card in a calendar year, a $100 Delta flight credit will be awarded to your account every year.
When it comes time to redeem SkyMiles, Delta Gold cardholders can save 15% off the sticker price for award flights. This benefit is automatically applied when you’re logged into your SkyMiles account on the Delta website or Fly Delta app and the flight is wholly operated by Delta.
Delta offers an impressive route network whether you want to fly within the U.S. or abroad, so you should find plenty of ways to redeem SkyMiles. Some of our favorite deals include Delta’s flash sales, where you can find domestic one-way tickets for as low as 3,500 SkyMiles.
Once you’re at the airport, you can enjoy a free checked bag and Main Cabin 1 priority boarding when flying Delta. Then, in the air, you can save 20% on inflight purchases, applied as a statement credit to your account.
If you’re not a frequent Delta flyer and are looking for even more options with your credit card rewards, consider opening a card that earns transferable rewards instead like Amex Membership Rewards points that transfer instantly to Delta SkyMiles. Not to be confused with the Delta SkyMiles Gold Amex Card, the Amex Gold Card earns Membership Rewards points but does not include benefits like the free checked bag.
Rates and Fees for the Delta SkyMiles® Gold American Express Card
Frequently asked questions
Does the Delta SkyMiles Gold American Express Card have an annual fee?
Yes, there’s a $150 annual fee that’s waived for the first year of card membership.
Does the Delta SkyMiles Gold American Express Card get you into airport lounges?
The Delta SkyMiles Gold does not provide any benefits to get you into Delta Sky Clubs.
Is it hard to get the Delta SkyMiles Gold American Express Card?
You’ll want to have a good to excellent credit score to qualify for the Delta SkyMiles Gold American Express Card.
Is it worth getting the Delta SkyMiles Gold American Express Card?
At the very least, the Delta SkyMiles Gold is worth applying for the first year since the annual fee is waived. You can test-drive the benefits, like the free checked bag and priority boarding, before the $150 annual fee kicks in after the first year of card membership.
How do I earn miles with the Delta SkyMiles Gold American Express Card?
You’ll earn 2x miles on restaurants, U.S. supermarkets, eligible Delta purchases, and 1x miles per dollar spent on all other eligible purchases.
Is there a better credit card than the Delta SkyMiles Gold American Express Card?
Delta offers two premium cards: the Delta SkyMiles® Platinum American Express Card ($350 annual fee, see rates and fees) and the Delta SkyMiles® Reserve American Express Card ($650 annual fee, see rates and fees). You may want to consider one of these cards if you’re looking for benefits like a fast-track to elite status, Delta Sky Club access, TSA PreCheck/Global Entry reimbursement or an annual companion certificate.
Does the Delta SkyMiles Gold American Express Card charge foreign transaction fees?
No, the foreign transaction fee is waived on the Delta SkyMiles Gold.
Does the Delta SkyMiles Gold American Express Card have car rental coverage?
Yes, the Delta SkyMiles Gold American Express Card comes with secondary rental car coverage that will take into effect after the primary rental car policy you already have.
Does the Delta SkyMiles Gold American Express Card come with any Elite Status?
The Delta Gold card won’t earn any Medallion Qualification Miles (MQMs) or a Medallion Qualification Dollar Waiver (MQD) to help you achieve Delta Medallion elite status.
Does the Delta SkyMiles Gold American Express offer extended warranty?
Yes, the extended warranty benefit extends an original manufacturer’s warranty by up to 1 additional year when you use your eligible card to make a covered purchase. This coverage applies to warranties of 5 years or less on Covered Purchases in the U.S.
Does the Delta SkyMiles Gold American Express offer purchase protection?
The Gold Delta SkyMiles card covers eligible items purchased on the card within the first 90 days and are damaged or stolen. Coverage amount is up to $1,000 per item and up to $5o,000 per eligible card.
Does the Delta SkyMiles Gold American Express offer trip protections?
While the Delta Gold card does not offer trip cancellation or delay insurance, it offers a baggage insurance plan that can cover theft or damage by a common carrier (such as an airline) for up to $1,250 per covered person.
What credit score do I need to get a Delta SkyMiles Gold American Express?
While Amex does not disclose specific credit scores needed to get the Delta SkyMiles Gold Amex card, you’ll probably want to hold a FICO score of 670 or higher.
What can I do with the miles earned for spending on the Delta SkyMiles Gold American Express?
You can redeem SkyMiles for Delta flights and its SkyTeam partner operated flights like Air France, Korean Air, Virgin Atlantic and more.
Does the Delta SkyMiles Gold American Express have Cell Phone Protection?
No, the Delta SkyMiles Gold does not offer cell phone coverage for damaged or stolen phones.
For rates and fees of the Delta SkyMiles Gold card, please click here.
Eligibility and Benefit level varies by card. Terms, Conditions and Limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
