Gold Delta SkyMiles® Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
17.49% ‐ 26.49% (Variable)
Balance Transfer
17.49% ‐ 26.49% (Variable)
Rewards
1 - 2 Miles
Signup Bonus
60000 miles (after spending $2,000)


7.6/10
Informr score
The Gold Delta SkyMiles® Credit Card currently has an Informr score of 7.6 out of 10. This score is based on our evaluation of 19 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Gold Delta SkyMiles® Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


One Mile at a Time

At the moment the Gold Delta SkyMiles Credit Card has an increased welcome bonus with the annual fee waived the first year, and that’s a great reason to consider this card. On top of that, the card can be worth holding onto for the benefits that it offers, like a free checked bag, inflight savings,...

- Ben, One Mile at a Time
Credit Cards Explained

If you travel frequently using Delta, the Gold Delta SkyMiles Credit Card from American Express can be a good way to boost your rewards and earn free travel and upgrades. As long as you are able to use your card for flights on Delta often enough to use your perks and rewards, it’s possible to pay th...

- Miranda Marquit, Credit Cards Explained
The Balance

The Gold Delta SkyMiles Business Credit Card from American Express is an airline card that’s poised to help you save on Delta Airlines flights, but it may not offer the best value. Still, even with an annual fee kicking in after year one, you might find room in your wallet for this card if you fly D...

- Dawn Papandrea, The Balance
Business Insider

When looking at the rewards alone, it takes a lot of purchases to make up the $95 annual fee charged by the card. But when you add in benefits like a free checked bag, rental car insurance, purchase protection, and ShopRunner, it's easy to see how you can get a lot more in savings than the $95 per y...

- Eric Rosenberg, Business Insider
Compare Cards

For Delta airlines travelers, the Gold Delta SkyMiles® Credit Card from American Express is a good card for earning flight rewards and has some nice features that make it easy to earn points and keep them without fear of expiration.

- Compare Cards

Details


Interest Rates
Regular APR Interest Rate 17.49% ‐ 26.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.49% ‐ 26.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00

Waived on the first year.

Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 3%

Minimum of $5

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus 60000 miles after spending $2,000

- On purchases within the first 3 months.

- In addition, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.

Rewards
All Purchases 1 mile for $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 2 miles for $1 spent

On purchases made directly with Delta

Pharmacy No
Bills No
Additional Details


Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Priority Boarding

- First Checked Bag Free

- 20% In-Flight Savings

- Return Protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


One Mile at a Time

Ideal for someone looking for basic benefits

from One Mile at a Time

At the moment the Gold Delta SkyMiles Credit Card has an increased welcome bonus with the annual fee waived the first year, and that’s a great reason to consider this card. On top of that, the card can be worth holding onto for the benefits that it offers, like a free checked bag, inflight savings, and more.

Read full review

At the moment the Gold Delta SkyMiles Credit Card has an increased welcome bonus with the annual fee waived the first year, and that’s a great reason to consider this card. On top of that, the card can be worth holding onto for the benefits that it offers, like a free checked bag, inflight savings, and more.

Read full review

Less

Credit Cards Explained

Generous signup bonus, plus plenty of perks

from Credit Cards Explained

If you travel frequently using Delta, the Gold Delta SkyMiles Credit Card from American Express can be a good way to boost your rewards and earn free travel and upgrades. As long as you are able to use your card for flights on Delta often enough to use your perks and rewards, it’s possible to pay the annual fee and still come out ahead.

Read full review

If you travel frequently using Delta, the Gold Delta SkyMiles Credit Card from American Express can be a good way to boost your rewards and earn free travel and upgrades. As long as you are able to use your card for flights on Delta often enough to use your perks and rewards, it’s possible to pay the annual fee and still come out ahead.

Read full review

Less

The Balance

Easy-to-reach sign-up bonus, frequent flyer perks

from The Balance

The Gold Delta SkyMiles Business Credit Card from American Express is an airline card that’s poised to help you save on Delta Airlines flights, but it may not offer the best value. Still, even with an annual fee kicking in after year one, you might find room in your wallet for this card if you...More

The Gold Delta SkyMiles Business Credit Card from American Express is an airline card that’s poised to help you save on Delta Airlines flights, but it may not offer the best value. Still, even with an annual fee kicking in after year one, you might find room in your wallet for this card if you fly Delta a lot and can take advantage of the card’s key benefits, like free checked bags.

Read full review

Less

Business Insider

A winner for Delta frequent flyers

from Business Insider

When looking at the rewards alone, it takes a lot of purchases to make up the $95 annual fee charged by the card. But when you add in benefits like a free checked bag, rental car insurance, purchase protection, and ShopRunner, it's easy to see how you can get a lot more in savings than the $95 per year the Gold Delta Amex charges.

Read full review

When looking at the rewards alone, it takes a lot of purchases to make up the $95 annual fee charged by the card. But when you add in benefits like a free checked bag, rental car insurance, purchase protection, and ShopRunner, it's easy to see how you can get a lot more in savings than the $95 per year the Gold Delta Amex charges.

Read full review

Less

Compare Cards

A good card for earning flight rewards

Compare Cards

For Delta airlines travelers, the Gold Delta SkyMiles® Credit Card from American Express is a good card for earning flight rewards and has some nice features that make it easy to earn points and keep them without fear of expiration.

Read full review

For Delta airlines travelers, the Gold Delta SkyMiles® Credit Card from American Express is a good card for earning flight rewards and has some nice features that make it easy to earn points and keep them without fear of expiration.

Read full review

Less

The Wirecutter

Best for occasional (but consistent) Delta flyers

from The Wirecutter

This is the card for occasional but consistent Delta flyers eager to avoid airline nickel-and-diming and to earn some rewards without being charged an arm and a leg. You don’t receive boffo perks, but you probably aren’t in the air enough for that to really matter.

Read full review

This is the card for occasional but consistent Delta flyers eager to avoid airline nickel-and-diming and to earn some rewards without being charged an arm and a leg. You don’t receive boffo perks, but you probably aren’t in the air enough for that to really matter.

Read full review

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SmartAsset

Offers the bulk of attractive benefits to frequent fliers

This card should be popular with Delta devotees who are looking to maximize their miles and perks. There’s no limit on the mileage you can earn, so the sky’s the limit with this card.

Read full review

This card should be popular with Delta devotees who are looking to maximize their miles and perks. There’s no limit on the mileage you can earn, so the sky’s the limit with this card.

Read full review

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CreditCards.com

For frequent Delta Airlines flyer

from CreditCards.com

Gold Delta Skymiles points are worth more than the average credit card rewards point, making this airline card’s rewards program an attractive choice for cardholders who want to quickly earn a free flight on a major carrier.

Read full review

Gold Delta Skymiles points are worth more than the average credit card rewards point, making this airline card’s rewards program an attractive choice for cardholders who want to quickly earn a free flight on a major carrier.

Read full review

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LendEDU

A great travel card with no limits

from LendEDU

The Gold Delta SkyMiles credit card is a worthy choice if you’re a regular Delta customer and don’t want to pay the higher annual fee for its Platinum counterpart. But if Delta isn’t your airline of choice, you might want to consider an airline credit card that provides more flexibility in how you earn and redeem rewards.

Read full review

The Gold Delta SkyMiles credit card is a worthy choice if you’re a regular Delta customer and don’t want to pay the higher annual fee for its Platinum counterpart. But if Delta isn’t your airline of choice, you might want to consider an airline credit card that provides more flexibility in how you earn and redeem rewards.

Read full review

Less

Money Crashers

Very good for regular Delta fliers

from Money Crashers

Ideal for frequent Delta flyers who earn rewards quickly enough to offset the $95 annual fee and enjoy practical travel benefits, such as priority boarding, free checked bags, and airport lounge access. Due to poor non-Delta rewards and limited earning power outside the Delta universe, it’s no...More

Ideal for frequent Delta flyers who earn rewards quickly enough to offset the $95 annual fee and enjoy practical travel benefits, such as priority boarding, free checked bags, and airport lounge access. Due to poor non-Delta rewards and limited earning power outside the Delta universe, it’s not great for infrequent Delta flyers and those looking for a general-spending credit card.

Read full review

Less

User Reviews


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