Gold Delta SkyMiles® Credit Card from American Express

Robin Saks Frankel  in  Airline Advertising Disclosure
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Recommended Credit Score

Good to Excellent (670 - 850)

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Best for Delta frequent flyers

Annual Fee:
$0 introductory annual fee for the first year, then $95.
Purchase Intro APR:
Regular APR:
17.99%-26.99% Variable
Terms and Restrictions Apply | Rates and Fees

Bankrate Rating

Commonly used for: Rewards, Travel.

Delta enthusiasts should consider adding this card to their wallets, just for the mileage potential. Earn 2 miles for every $1 spent directly with Delta with the Gold Delta SkyMiles Credit Card from American Express, and 1 mile per dollar spent for all other eligible purchases.

Find real value in this card when you join Delta’s frequent flier program.

If you belong to the SkyMiles Loyalty Program you’ll earn an additional 5 miles for every $1 spent on airline tickets. This means a Delta airline ticket bought from the airline can snag cardholders a whopping 7 miles per $1 spent.


If you love flying Delta, this card is for you. At a rate of 7 miles per $1 spent on tickets (exclusively for SkyMiles members), the rewards program is one of the most lucrative ways to accrue mileage for credit card spending we’ve seen outside of welcome bonuses.

Speaking of, earn 60,000 bonus miles after you spend $2,000 on the card in purchases in your first three months and a $50 statement credit after you make a Delta purchase with the new card within the first three months.

Plus, the $95 annual fee (See Rates & Fees) is waived the first year.

But after the glory of the first-year bonuses wear off, if you don’t think you’ll spend enough to earn back $95 worth of miles to justify the card’s annual fee, longer-term you’d be better off with a no-fee card that gives you either straight cash-back or flexible miles to use on any airline of your choice. You can also check out other airline credit card options.

There are two other premium Delta credit cards, but they have sky-high annual fees to match their boosted rewards structures. If you fly a few times a year and want to maximize your SkyMiles earnings, this card will let you do that. For information on how to maximize what you earn through SkyMiles, take a look at our Delta SkyMiles guide.

Who should get this card

Frequent Delta flyers could benefit from the generous rewards rate of this card. If you value flexibility in how you use your rewards, or you don’t want to be tied down to just one airline, consider another type of travel rewards card.

  • Earn 2 miles for every $1 spent on eligible purchases made directly with Delta and 1 mile for every $1 spent on everything else.
  • Get a 60,000-mile welcome bonus after spending $2,000 in the first three months
  • Terms apply.
  • If you don’t fly much, you won’t get much benefit from this card. All non-Delta purchases give 1 mile per $1, a benefit that can be found with lots of other cards.
  • Unlike other airline co-branded cards, this one doesn’t grant you a higher loyalty tier and the perks that go with it.

Fees and APR

  • Annual fee of $95 is waived the first year.
  • There’s no foreign transaction fees for purchases made outside the United States.
  • The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.
  • See Rates & Fees.

Extras, perks and using points

You can check your first bag for free on Delta flights – a potential savings of up to $240 per round trip for a family of four!

Cardholders and up to two companions can purchase access to the Delta Sky Club for a reduced fee of $29 per person.

This card comes with travel and auto protections, including collision damage waiver and access to a Global Assistance hotline. You’ll also receive some extended warranty and purchase protections.

Access to Main Cabin 1 Priority Boarding.

For rates and fees of the Gold Delta SkyMiles® Credit Card from American Express, please click here.