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Delta SkyMiles® Gold Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.49% ‐ 28.49% (Variable)
Interest Rate: Purchases
19.49% ‐ 28.49% (Variable)
Balance Transfer
Balance Transfer
1 - 2 Miles
1 - 2 Miles
Signup Bonus
40000 miles (after spending $2,000)
Signup Bonus
40000 miles (after spending $2,000)

Informr score
The Delta SkyMiles® Gold Card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 32 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Delta SkyMiles® Gold 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...


If you spend heavily across Delta, restaurant and U.S. supermarket purchases then the SkyMiles Gold may be the best Delta Air Lines card to start with thanks to its low cost and handful of helpful Delta and general travel perks for frequent flyers.

- Grace Pilling, Bankrate
Your Mileage May Vary
Your Mileage May Vary

The Delta SkyMiles Gold card gives many of the perks we want to get from an airline co-brand card, such as priority boarding and free checked bags. You don’t even need to use the card to purchase the tickets to get the benefits, which comes in handy if I’m booking an award ticket. Delta rightfully g...

- Your Mileage May Vary

While there are no Earth-shattering benefits offered by the Delta SkyMiles Gold® American Express card, there are more than enough perks to make it worthwhile for Delta flyers. Cardholders can get multiple years of value just from the card’s free baggage perk and its large welcome offer. While more...

- John Csiszar, GOBankingRates
The Points Guy
The Points Guy

Although it might not have the most lucrative earning rates, the Delta SkyMiles Gold American Express Card can still be worth picking up for travelers thanks to its welcome bonus and Delta-specific perks. In particular, as long as you would otherwise pay a first checked bag fee to Delta at least fou...

- Katie Genter, The Points Guy

If you often fly with Delta (or its partners) and make Delta purchases, this card may well be worth adding to your wallet. Depending on your travels, the miles you earn with the intro bonus could cover the equivalent of a free ticket, and you can continue to earn additional miles with every purchase...

- Robin Kavanagh, FinanceBuzz


Interest Rates
Regular APR Interest Rate 19.49% ‐ 28.49% (Variable)

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

Balance Transfer Interest Rate

Cash Advance Interest Rate 28.99% (Variable)

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

Rates & Fees
Annual Fee $99.00

Waived on the first year.

Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 40000 miles after spending $2,000

On purchases within the first 6 months.

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

On purchases made at U.S. supermarkets

Hotels No
Travel 2 miles for $1 spent

On eligible purchases made directly with Delta.

Pharmacy No
Bills No
Additional Details

Spend $10,000 in purchases on your card in a calendar year and receive a $100 Delta Flight Credit to get you there sooner.

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
Virtual Cards Yes
Additional Benefits
  • First checked bag free
  • $100 Delta flight credit
  • 20% back on in-flight purchases
  • Priority boarding
  • Global Assist Hotline
  • Entertainment Access
  • Complimentary ShopRunner Membership
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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