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Delta SkyMiles® Gold Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.99% ‐ 29.99% (Variable)
Interest Rate: Purchases
20.99% ‐ 29.99% (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 33 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...


A solid, cost-effective card for those who fly Delta frequently, or those who could choose to do so.

- Claire Tsosie, NerdWallet

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.

- Garrett Yarbrough, Bankrate

Overall, the Delta SkyMiles Gold is best suited for those who fly Delta a few times a year. If you fly less than that, the Delta SkyMiles Blue might be better. And if you fly much more than that, the added value of the Delta SkyMiles Platinum may make up for its $250 annual fee.

- Joe Van Brussel, Cnet
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
One Mile at a Time
One Mile at a Time

The Gold Delta SkyMiles Credit Card is a card that can be worth holding onto for the benefits that it offers, like a free checked bag, priority boarding, inflight savings, and more. This is a particularly good time to apply, given the elevated welcome offer, as well as the 15% savings on SkyMiles aw...

- Ben Schlappig, One Mile at a Time


Interest Rates
Regular APR Interest Rate 20.99% ‐ 29.99% (Variable)

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

Balance Transfer Interest Rate

Cash Advance Interest Rate 29.99% (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
  • Save 15% when using miles to book Award Travel on Delta flights through and the Fly Delta app
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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