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Delta SkyMiles? Gold American Express Card: Worth It? Maybe.

Delta SkyMiles? Gold American Express Card review
KEY TAKEAWAYS
  • What we think: The Delta SkyMiles?? Gold American Express Card could be a good option for Delta loyalists, with a few valuable perks like free checked bags and priority boarding. However, it could be difficult for most people to get enough value out of the card to justify the annual fee.
  • This card has generous perks like 20% inflight savings, free checked bags for you and up to 8 traveling companions, priority boarding, and more. Terms apply.
  • The Delta Gold Card has a $150 annual fee ($0 the first year), a substantial welcome offer, and earns miles on Delta flights, U.S. supermarket purchases, and more.
  • You’ll need at least good credit to get approved for this card.
SUMMARY

The Delta SkyMiles?? Gold American Express Card is a competitive travel rewards card with an easy-to-earn welcome offer and simple rewards structure. It’s best for Delta loyalists, as you need to fly with the airline regularly to really max out reward values.

Keep reading for an in-depth review of this card to find out how you earn rewards miles, what you can use them for, benefits you can access with the Delta Gold card, how this card compares to other cards and more.

Pros & Cons

Pros

  • Ability to earn a Delta Flight Credit
  • Generous welcome offer
  • Free checked bag

Cons

  • Comparatively high annual fee after the first year
  • Requires good to excellent credit
  • No Sky Club access
Delta SkyMiles? Gold American Express Card
LEARN MORE
Key Information
Earn 2X miles on restaurant purchases (plus takeout and delivery in the U.S.), 2X miles at U.S. supermarkets and on Delta purchases, and 1X miles on all other eligible purchases. $0 annual fee for the first year, then $150

Delta SkyMiles? Gold American Express Card: Review

Is the Delta SkyMiles Gold Card worth it?

Whether the Delta SkyMiles? Gold American Express Card is worth it depends on how often you fly with Delta Air Lines and whether you can maximize the benefits it offers. This card will be most worthwhile if you can utilize the free checked bag and priority boarding benefits, as these are two of its most valuable perks. The free checked bag benefit can easily save you hundreds if you’re flying with a group but is even valuable if you’re traveling alone.?

While this card does have a $150 annual fee ($0 the first year), the value of its benefits can easily outweigh the cost if you regularly fly Delta. However, for infrequent travelers or those who prefer to fly with other airlines, a more flexible travel rewards card might be a better fit.

?? For general travel cards, see: Best Travel Credit Cards of 2024

Delta Gold Amex Card: Highlights

Who is the Delta SkyMiles Gold Card best for?

The Delta SkyMiles? Gold American Express Card is best for semi-frequent to frequent Delta loyalists who can benefit from perks like priority boarding, free checked bags, and in-flight discounts. The ideal user would also be able to maximize this card’s bonus categories, primarily on restaurant purchases and at U.S. supermarkets, in addition to its rewards on Delta purchases.?

SkyMiles? Gold Card: Rewards

Earning rewards

You can earn miles by using your Delta Gold Card to pay for purchases. You’ll earn:

Delta miles are worth approximately 1.15 cents per mile when redeemed for Delta award flights.?

Reward potential

To understand how the miles can stack up with this card, imagine a hypothetical scenario. Someone spends $350 per month on groceries at U.S. supermarkets, $150 per month on dining out at restaurants and $3,000 per year on qualifying Delta travel. That would be:

That’s 18,000 miles, or around $207 in Delta travel rewards value.?

Redeeming rewards?

One way to redeem miles is to use the Delta Pay with Miles option. As long as you have at least 5,000 miles to use for the ticket, you can reduce the cost of the ticket with miles. For every 5,000 miles you opt to redeem, you reduce the cost by $50. That’s a reward of $50 per 5,000 miles or a penny per mile.

You can also use SkyMiles to book vacation packages or upgrade your flight. Miles can be used to cover expenses such as ticket change fees or pay for select magazine subscriptions. You can also gift your miles to others or donate them to charity.

The most value will come from redeeming your miles for award flights— we value Delta SkyMiles at approximately 1.15 cents per mile when you use those miles toward award flights. This can vary based on several factors, so your miles may be worth more or less than that depending on the flight.

Welcome offer

New card members can enjoy a welcome bonus of 65,000 bonus miles after spending $3,000 in the first 6 months after account opening.?

This is a fairly easy welcome bonus to achieve because you only need to spend $500 a month for 6 months to do so. If you’re using this card for serious travel, you’ll likely hit that amount easily. But you can also get to $3,000 for the welcome bonus by using the card to cover your weekly shopping.

??? See more: Best credit card sign-up bonuses

Delta SkyMiles? Gold Amex Card: Benefits

Travel benefits

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.

Shopping benefits

Delta SkyMiles? Gold: The fine print

Fees

Interest rates

Credit limit

American Express sets your Delta SkyMiles? Gold Card credit limit based on your income, credit history, etc. Cardholders report limits between $1,000 and $20,000 or more. You can request a credit limit increase every three months online or through the Amex mobile app.?

Delta SkyMiles? Gold Card: Drawbacks

High annual fee

In February 2024, the Delta Gold Card’s annual fee was increased from $99 after the first year to $150 after the first year. For infrequent travelers, this fee increase could be a deal breaker, as it may be difficult to get enough value out of the card to justify that cost. Delta does offer a no-annual-fee alternative (see rates and fees), the Delta SkyMiles? Blue American Express Card, but it doesn’t offer quite as many perks as the Gold.

?? Read more: Delta SkyMiles? Blue American Express Card Review

Lower earning potential

As this is a co-branded Delta card, the main reward-earning category of the Delta SkyMiles? Gold Amex Card is Delta flights, earning 2X miles per dollar spent. You can also earn 2X miles at U.S. supermarkets and restaurants worldwide, and 1X miles on all other eligible purchases. While these rates aren’t terrible, if you don’t spend a lot on flights, groceries, and restaurants, it may be difficult to to earn enough points to cover an award flight.

Limited redemption options

Along the same lines as above, this card has limited redemption options available. You can use your miles toward award flights, Delta Vacations, seat upgrades, checked bags, Delta Stays, and charities, but that’s about it. This card’s co-branded nature makes redeeming miles less flexible than it would be with a general travel card, so it’s meant for true Delta loyalists.?

How Delta SkyMiles? Gold compares

Delta SkyMiles? Gold American Express Card vs Delta SkyMiles? Platinum American Express Card

The Delta SkyMiles? Platinum American Express Card is, in many ways, a slight step up from the Gold card.?

With the SkyMiles Platinum, you get additional perks like:?

However, the Delta Platinum card doesn’t come with the $200 Delta flight credit when you spend $10,000 in a calendar year. The extra benefits of the Platinum card do come at a cost, though. The annual fee for this card is $350 (see rates and fees), so the Platinum card is only worth it over the Gold card if you can max out rewards to make up for the higher fee.

?? Read more: Delta SkyMiles? Platinum American Express Card Review

Delta SkyMiles? Gold American Express Card vs American Express? Gold Card

The main difference between the Delta SkyMiles Gold and American Express? Gold Card is that the first is a co-branded airline credit card targeted to Delta loyalists and the second is a general rewards card.

With the Amex Gold, you can benefit from:

The annual fee is $250 with this card (see rates and fees), but the potential credits almost cover that amount before you even start adding up the value of any rewards you earn. The Amex Gold might be a better choice if you’re not a frequent traveler or if you don’t fly with Delta much.

?? Read more: Amex Gold Card review

Other Delta Cards

There are four Delta SkyMiles cards to choose from, and the Delta SkyMiles Gold and Platinum are the middle-tier options. Additionally, the The Delta SkyMiles? Blue American Express Card and Delta SkyMiles? Reserve American Express Card are available.

?? Read more: Best Amex Delta SkyMiles Cards

Delta SkyMiles? Gold American Express Card

Delta SkyMiles? Gold American Express Card
LEARN MORE Rates & Fees / Terms Apply on Bankrate's secure site
Key Information
Earn 2X miles on restaurant purchases (plus takeout and delivery in the U.S.), 2X miles at U.S. supermarkets and on Delta purchases, and 1X miles on all other eligible purchases. $0 annual fee for the first year, then $150
Show More Show Less

Delta SkyMiles? Platinum American Express Card

Delta SkyMiles? Platinum American Express Card
LEARN MORE Rates & Fees / Terms Apply on Bankrate's secure site
Key Information
Earn 3X miles on Delta purchases and purchases made directly with hotels, 2X miles at restaurants worldwide and U.S. supermarkets, and 1X miles on all other eligible purchases. $350 annual fee.
Show More Show Less

American Express? Gold Card

American Express? Gold Card
LEARN MORE Rates & Fees / Terms Apply on Bankrate's secure site
Key Information
Earn 4X points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X) and restaurants (plus takeout and delivery in the U.S.), 3X points on flights booked directly with airlines or on amextravel.com, and 1X points on other eligible purchases. $250 annual fee.
Show More Show Less

Should you get the Delta SkyMiles? Gold American Express Card?

The Delta SkyMiles Gold American Express Card is a worthy travel rewards card for individuals who participate in the Delta SkyMiles program or travel regularly with Delta. If you don’t fly a lot or never fly with Delta, however, you may want to look for a rewards card that better fits your preferences.

Alternatives to consider

General travel cards

Cash back cards

Other cobranded travel cards

Delta SkyMiles? Gold American Express Card: FAQs

How do I get approved for the Delta Gold Card?

You need a good (or better) credit score to get approved for this card. Typically, if your score isn’t in the high 600s or higher, this may not be the card for you. Some people with scores in the mid-600s may qualify if their overall credit profile is otherwise strong.

If you do have good or excellent credit, however, and decide that this is the right card for you, you can learn more about this card and apply online.

Does the Delta SkyMiles? Gold Card get lounge access?

No, the Delta Gold card doesn’t ensure access to the Delta Sky Club lounge as the Reserve version of this card does. However, that doesn’t preclude you from the Sky Club. You may be able to earn entry with other programs or your Medallion status.

Is the Delta SkyMiles? Gold American Express Card a charge card?

The Delta SkyMiles Gold card is a credit card, not a charge card. Some Amex cards don’t allow you to carry a balance over from statement cycle to statement cycle, meaning you have to pay the balance off each month. The Delta Gold card works like a credit card, however, and allows you to carry over a balance — though that does mean you pay interest expenses.

How hard is it to get the Delta SkyMiles? Gold American Express Card?

While you need a good (or better) credit score to get approved for this card, it’s not as hard to get as some other rewards cards or even some other Amex cards. Learn how to get Amex pre-approval.

What is the Delta SkyMiles? Gold credit limit?

Your credit limit depends on a variety of factors, including your credit history, current debt load and income. Common credit limits for this card range from a few thousand dollars to tens of thousands.

Is the Delta SkyMiles? Gold Card a business credit card?

No, the Delta SkyMiles Gold card is not a business credit card and can be applied for by any individual. However, if you’re a business owner and are looking for American Express business cards, you’re in luck. There is another version of the Delta Gold Card called the Delta SkyMiles Gold Business American Express Card? that has rewards categories specific to small businesses.

American Express is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Amex products:

About the Author

Sarah Stasik
Sarah Stasik Personal Finance

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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