Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card,…
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate.com, focusing on product news, guides and reviews. His areas of expertise include credit card strategy,…
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Bottom line
If you spend more than $10,000 a year across Delta, restaurant and U.S. supermarket purchases—or just fly round-trip twice per year—then the SkyMiles Gold is the best Delta Air Lines card to start with. It carries a handful of helpful Delta and general travel perks for frequent flyers, but since it doesn’t give you a leg up on earning elite status and the rewards aren’t too flexible, it may be worth considering a higher-caliber Delta card or a more generalized card depending on how much you travel.
Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.
Annual fee
$0 introductory annual fee for the first year, then $99
Intro offer
70,000 Miles
Limited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.
Regular APR
17.24%-26.24% Variable
Recommended Credit Score
Good to Excellent
(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a
person and may be one indicator to the credit type you are eligible for.
However, credit score alone does not guarantee or imply approval for any
financial product.
Delta SkyMiles® Gold American Express Card Overview
Less frequent Delta travelers looking to stockpile miles from their day-to-day expenses will likely wring the most value out of the Delta SkyMiles® Gold American Express Card.
Even at $99 each year ($0 the first year), the Delta Gold card’s unlimited rewards, sizable welcome offer and travel benefits outweigh its no annual fee sibling, the Delta SkyMiles® Blue American Express Card. Considering the free first checked bag or the annual flight credit perks easily cover the annual fee anyway, it’s worth considering the SkyMiles Gold as a starter Delta card.
Travelers chasing immediate savings over prestige status benefits could easily find that this is the best Delta credit card for their occasional flights. However, the branded SkyMiles Gold isn’t as flexible as a general-purpose travel credit card, which may be worth considering if you’re an infrequent traveler or you aren’t as eager for Delta-specific perks.
What are the advantages and disadvantages?
Pros
The $99 annual fee is $0 the first year and easily offset afterward
Best Delta consumer card for everyday expenses
Carries valuable travel benefits, including a possible $100 Delta flight credit each year and free first checked bag
Cons
Reward value is restricted by lackluster redemption options and no definite award redemption value
Worthwhile benefits for the price, but scaled back compared to bigger sibling cards
Doesn’t offer Status Boost or a Medallion Qualification Dollar Waiver, so it’s harder to earn Medallion Status
A deeper look into the current card offer
Quick highlights
Rewards rate: 2X miles on restaurant (plus takeout and delivery in the U.S.), U.S. supermarkets and Delta purchases; 1X miles on all other purchases
Welcome Offer: Limited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.
Annual fee: $99 ($0 intro annual fee for the first year)
Purchase intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 17.24 percent to 26.24 percent (variable)
Terms Apply
Current welcome offer
For a limited time through Aug. 3, 2022, you can earn a solid welcome bonus of 70,000 bonus miles after spending only $2,000 in purchases within your first three months. This can be worth up to $987 based on The Points Guy’s latest 1.41-cent mile valuation, or $700 when redeemed through Delta, which is a terrific payday considering welcome offers with the same spending requirement often offer under $500 in value. This is also a good bit higher than the previous 40,000 bonus miles after spending $1,000 in the first three months.
Rewards rate
The Delta SkyMiles frequent flyer miles you earn with your Delta Gold American Express card are intended to cover airfare like other airline card rewards. Delta Gold also allows you to earn “Medallion Qualification” currency, but achieving top Delta perks and rewards rates this way is harder without the premier Delta cards’ Status Boost feature.
How you earn
The Delta SkyMiles Gold’s rewards structure is the best choice of any Delta credit card for budgets outside air travel. Outside the Delta Gold card’s 2 miles per dollar on Delta purchases and partner airline travel, its 2X miles at restaurants (including U.S. delivery and takeout) and U.S. gas stations and 1X miles on all other purchases are perfect categories for road trips and everyday expenses.
The SkyMiles loyalty program provides two additional ways to earn bonus miles on top of your spending. Qualifying for Medallion Status can earn another whopping 7 to 11 miles per dollar on Delta flights, but this isn’t the most feasible way to earn bonus miles since the Delta Gold doesn’t offer Status Boost or other features to obtain elite status faster like the top-tier Delta cards do.
Luckily, the Delta SkyMiles Dining program perfectly suits the Delta Gold card’s reward categories. By aligning your restaurant spending, you can work your way to VIP status and earn up to 5 extra miles per dollar.
How to redeem
This might not be a concern if you’re in the market for a Delta rewards card, but your redemption options are pretty limited compared to non-branded travel cards. “Pay with Miles” and “Pay with Miles + Cash” only let you book travel or upgrade seats with Delta, including when you fly with their SkyTeam partner airlines. This means that your reward value is tethered to Delta and you can’t transfer miles to other loyalty programs for a better deal.
The options outside travel aren’t particularly appealing either. You can gift miles to other accounts or charity or spend them on travel experiences, merchandise or magazine subscriptions. Fortunately, you can now knock $50 off the cost of your flight for each 5,000 miles you redeem when booking entirely with miles.
How much are miles worth?
In actuality, the value of your miles varies from flight to flight since Delta doesn’t use a defined awards chart. On paper though, your miles can only be redeemed for airfare at a 5,000 mile to $50 ratio—making them worth 1 cent apiece when you redeem them through Delta.
Compared to other rewards cards on the market, The Points Guy gives Delta SkyMiles an overall value of 1.41 cents each. That makes your rewards a bit less valuable than some other airline cards and travel cards’ currencies depending on the booking, but you’ll typically hover around the mid-range market value. In fact, skipping the co-branded card for one directly from American Express will net you much more valuable Membership Rewards points—worth 2 cents each, according to The Points Guy’s estimations—which can be transferred to your Delta SkyMiles account.
Other cardholder perks
Value-savvy flyers will find a healthy supply of premium benefits that will cover their annual fee with savings throughout their Delta journey.
These perks are definitely worth the card’s price tag, but keep in mind that Delta’s finest benefits are exclusive to their top-tier cards and Medallion Status members.
Travel benefits and other savings
The Delta Gold card carries a host of benefits that save you time and money throughout your travels:
$100 annual Delta flight credit after spending $10,000 in one year
First checked bag is free on Delta flights
Main Cabin 1 priority boarding
20 percent statement credit back on select in-flight purchases
Travel protections, including baggage insurance and car rental loss and damage insurance
Shopping protections, including extended warranty coverage and purchase protection
These features can justify the Delta Skymiles Gold card’s annual fee and will certainly come in handy, but a few competing cards do offer a bit more in the way of travel insurance and credits. For example, the Chase Sapphire Preferred offers trip cancellation and interruption insurance, one of the most coveted travel protections, plus anniversary bonus points and other annual credits. Its anniversary bonus bestows 10 percent points on your total spending for the previous year, which can really add up.
Complimentary ShopRunner membership
All U.S. consumer American Express cards are eligible to receive a complimentary ShopRunner membership. ShopRunner provides free two-day shipping on online purchases from over 100 participating retailers, which can be useful when you’re buying travel accessories and gifts.
Pay It Plan It
As an Amex card, Delta Gold also has access to the Pay It Plan It purchase management program. Pay It lets you immediately take care of small purchases under $100 with the American Express app. This makes it less of a hassle to earn rewards with your credit card, since you can treat it almost like you would a debit card.
The Plan It feature is a bit more helpful if you’re in a pinch. If you’re trying to whittle down interest payments, you can move a qualifying larger purchase over $100 into a payment plan within your credit card instead of adding it directly to your balance. Remember to use Amex’s pre-purchase calculator to make sure your plan fees won’t exceed what the initial interest would have cost.
Rates and Fees
The Delta Gold is a low-maintenance card, since there aren’t many fees to worry about. There are no foreign transaction fees when you fly abroad, and the annual fee is $0 introductory the first year. Even then, the rewards and benefits easily make up for the $99 fee afterward.
Other than that, the only ongoing cost might be the 17.24 percent to 26.24 percent variable APR, which can be slightly below the average current credit card interest rate if you happen to carry a balance. Also, remember to check the rates and fees carefully before booking travel with your reward miles so you’re wary of any award and service fees.
First-year vs. ongoing value
Whether you get enough value from your Delta SkyMiles Gold essentially depends on how often you fly with Delta and if this is your primary rewards card. The two recurring benefits that carry a monetary value are the $100 annual Delta flight credit and the first free checked bag you’ll get on Delta flights, which saves you about $60 per round-trip flight. Simply taking two round-trip flights per year essentially covers your annual fee, or you can completely offset it by spending $10,000 per year for the flight credit.
Based on Bureau of Labor Statistics spending data*, the credit’s spending requirement is easily within reach of the average person’s dining, grocery and travel budget, but you can easily recoup the annual fee by spending $375 in your bonus categories each month if you’re not sure you’ll take full advantage of your benefits. If that’s the case, you might want to consider the no-annual-fee Delta SkyMiles Blue card instead.
You’ll get a gold medal first-year value thanks to the card’s generous welcome offer and getting your annual fee waived for the first year sweetens the pot. With that in mind, the Delta Gold could be a good trial to see whether you may need to upgrade or downgrade your Delta card if it turns out the annual fee or absent Status Boost are dealbreakers.
Benefits and Costs
First-year value
Ongoing value (no welcome offers)
Yearly rewards*
+$313
+$313
Welcome offers
+$987 value (70,000 bonus miles after spending $2,000 during the first three months, at a 1.41-cent point value)
—
Perks(of monetary value)
+$100 (annual Delta flight credit, after spending $10,000)
+$60 (first checked bag free, estimated value per round-trip bag per passenger)
+$100 (annual Delta flight credit, after spending $10,000)
+$60 (first checked bag free, estimated value per round-trip bag per passenger)
Annual fee
-$0
-$99
Total value
$1,460
$374
*Based on our formula used to calculate each card’s average rewards rates and average ongoing rewards value, using Bureau of Labor Statistics spending data and an assumed $15,900 yearly spend over three years ($1,325 per month).
How the Delta Gold card compares to other airline cards
Delta SkyMiles Gold vs. Delta SkyMiles® Platinum American Express Card
The Delta SkyMiles Gold is a solid pick if you’re a less frequent traveler but you travel with Delta enough to take advantage of a handful of airline-specific perks. Still, its light feature list makes it lean closer to the no annual fee Delta SkyMiles Blue rather than the next tier up from the base Delta card. The Delta SkyMiles Platinum American Express Card is a better option if you often travel with Delta since it bumps the airline purchase rewards to 3X miles and offers a much richer suite of Delta-specific perks.
Although it poses a steeper $250 annual fee, the up to $100 credit for Global Entry or TSA PreCheck application fees (both now available following Global Entry approval via an Authorized Enrollment Provider), Delta Sky Club access ($39 per-visit rate) and annual Main Cabin round-trip companion ticket (only valid for domestic flights) stacked on top of the SkyMiles Gold card’s benefits are incredibly valuable if you’re hankering for a smoother journey.
Perhaps even more importantly, the SkyMiles Platinum provides a faster means of achieving elite Medallion status with Delta, which can multiply your Delta rewards rate by up to nearly four times and net you incredible benefits like fee waivers, premium customer service and exclusive airport and airline privileges. It’s possible to reach medallion status with the SkyMiles Gold, but the SkyMiles Platinum greatly speeds up the process with its Status Boost (earns you 10,000 MQMs after spending $25,000, up to twice per year) and Medallion Qualification Dollar (MQD) Waiver (earned after spending $25,000 in a calendar year). This means that what would normally take spending at least $3,000 on qualifying Delta flights and traveling approximately 30 times or 25,000 miles minimum per year could be greatly reduced through credit card spending.
Delta SkyMiles Gold vs. American Express® Green Card
One of the main drawbacks of the SkyMiles Gold is how low-value its rewards can be, considering the dynamic pricing redemption model and how your miles are stuck with Delta. If you’re willing to front a similar annual fee but want a more flexible travel card, then the American Express® Green Card could be a worthy alternative. Not only does it earn 3X points in a generalized travel category (encompasses flights, hotels, transit, taxis, ride-share services and tours), 3X points at restaurants and 1X points on all other purchases, but Amex’s points are some of the most valuable on the market and can be transferred to Delta for potentially more value than the SkyMiles Gold’s airfare rewards.
The Amex Green does come with a higher $150 annual fee, but its additional features more than make up for it. It carries similar travel and purchase protections—except the Amex Green offers trip delay insurance—and it also offers two up to $100 annual credits for both a Clear airport security membership and Lounge Access through LoungeBuddy (lounge access being absent from the SkyMiles Gold card). It’s also worth noting that if you’re a big spender, the Green Card is one of Amex’s cards with a flexible spending limit. That means it grants the spending power of a charge card but allows you to carry over approved purchases of over $100 via Pay Over Time (at the current Pay Over Time APR: 17.24 percent to 26.24 percent, variable).
However, you may want to look into a flat-rate travel option like the Capital One Venture Rewards Credit Card if you spend more on everyday expenses than travel.
Delta SkyMiles® Gold American Express Card
4.2
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
$0 introductory annual fee for the first year, then $99
Intro offer
70,000 Miles
Limited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.
Rewards rate
1X–2X
Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.
Recommended credit
Good to Excellent(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a
person and may be one indicator to the credit type you are eligible for.
However, credit score alone does not guarantee or imply approval for any
financial product.
Earn 45,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 6 months
Rewards rate
1X–3X
3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery. 3X points on transit including trains, buses, ferries, subway, and more. 3X points on travel including airfare, hotels, cruises, tours, car rentals, and more. 1X points on other purchases
Recommended credit
Good to Excellent(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a
person and may be one indicator to the credit type you are eligible for.
However, credit score alone does not guarantee or imply approval for any
financial product.
Best cards to pair with the Delta Gold
Other Membership Rewards-earning American Express cards can rack up points that are more valuable than Delta SkyMiles and can then be transferred to Delta at a 1:1 ratio. That means you can pair a card like the American Express Green Card with the Delta Gold card to earn 3X points on non-Delta travel and transfer them to Delta if you wish. However, the Amex Green may be a better alternative card than a partner since most of the American Express travel cards’ reward rates either overlap or outclass the Delta Gold. A flat-rate card that earns rewards and can redeem them for travel outside Delta may be helpful without treading on the SkyMiles Gold’s toes, like the Bank of America® Travel Rewards credit card or Discover it® Miles.
If you care more about achieving Medallion Status and earning 3X miles on hotels and Delta flights, the higher-tier Delta Platinum card can provide key Status Boost, annual companion certificate and extra travel protection features to meet those elite criteria while the Delta Gold earns more rewards on purchases outside the airline. Just make sure your spending will justify the additional $250 annual fee.
Bankrate’s Take: Is the Delta Gold card worth it?
Despite the $99 annual fee after the first year, the Delta SkyMiles Gold American Express card proves itself to be a worthwhile starter card with Delta. Its premium benefits and rewards on everyday purchases at restaurants (including U.S. delivery and takeout) and U.S. supermarkets provide great reward opportunities to value-minded travelers that aren’t chasing elite status perks and rewards. Its free first checked bag and annual travel credit essentially cover the annual fee, which is enough to put it over the base Delta Blue SkyMiles card.
But unless you’re a loyal Delta traveler, it might be wiser to choose a non-branded card if you’re focused on flexible rewards for day-to-day expenses. The Delta SkyMiles Gold offers solid rewards and benefits, but the rewards value and features are a bit weak compared to other premium travel cards that don’t rely on a specific airline. If you are a frequent Delta flyer, then it may be worth considering a higher-caliber branded card since they come with more airline-exclusive perks and Status Boost in order to nab elite status faster.
Ultimately—like other mid-tier Amex cards—these factors combine to make the Delta SkyMiles Gold more of a half-measure than a middle-ground option if you’re in the market for a premium travel card.
All information about the American Express® Green Card has been collected independently by Bankrate and has not been reviewed or approved by the issuer.
For rates and fees of the Delta SkyMiles Gold card, please click here.
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.
Frequently Asked Questions
You’ll have the best approval odds if you apply for the Delta SkyMiles Gold card with a good to excellent credit score (a FICO score of 670 or higher, or a VantageScore of 661 or higher).
Whether the Delta SkyMiles Gold is worth it depends on how often you fly with Delta, and how much you prioritize airline and airport perks over the annual fee. Recouping the $99 annual fee shouldn’t be an issue for most cardholders since it’ll only take spending $375 across your bonus categories each month, but the annual travel credit or the first free checked bag benefit can easily offset the cost. The value from the free checked bag perk settles the fee after just two round-trip flights per year, but you can also get a $100 travel statement credit after spending a total of $10,000 with your card each year.
Ultimately, if you’re not sure you’ll take advantage of the Delta-specific perks and you don’t fly enough to justify the annual fee—or if you fly with Delta often enough to desire access to the Delta Sky Club Lounge and elite status perks—then the SkyMiles Gold is probably not the most worthwhile Delta card for your needs.
Delta SkyMiles are technically worth 1 cent apiece through Delta since you can get a $50 discount on airfare for 5,000 miles, but your mileage may vary since the airline uses a dynamic pricing model. That means instead of a set redemption value, how valuable your miles are depends on factors like your destination, airfare class, travel dates (peak season, off-season, etc.) and more. However, to simplify things, The Points Guy has estimated that Delta SkyMiles are worth about 1.6 cents per mile—which is among the middle of the spectrum when it comes to airline card rewards.
First and foremost, using your Delta SkyMiles Gold for all of your Delta, restaurant (including U.S. delivery and takeout) and U.S. supermarket purchases is key to squeezing the most value from your card. Enrolling in the Delta SkyMiles Dining and using the Amex Offers and Delta shopping portal will also stack more rewards on top of your spending.
Outside rewards and putting at least $10,000 on your card each year for the annual statement credit, using the first free checked bag perk, 20 percent in-flight purchase discount and Main Cabin 1 class boarding whenever you fly and are key to taking advantage of everything the SkyMiles Gold has to offer. It can also come in handy to pay for your baggage, rental car and online shopping with your card to use the included travel and purchase protections.
Qualifying for medallion status works a bit differently than simply earning bonus miles. You can qualify for Silver, Gold, Platinum or Diamond Medallion Status as you fly with Delta and earn these three currencies:
Medallion Qualification Dollars (MQDs): Earned from your yearly Delta and partner flight spending
Medallion Qualification Miles (MQMs): Earned from the distance of your flights and your airfare class
Medallion Qualification Segments (MQSs): Earned from how many flights you take
Although you can earn these with your SkyMiles Gold, it would take more time and effort than using one of the higher-caliber, more expensive Delta cards since the Gold doesn’t come with elite status-oriented features like Status Boost or the MQD Waiver. Status Boost provides an extra 10,000+ MQMs after the required spend (up to twice or more per year, depending on the Delta card), while the MQD Waiver is obtained after spending $25,000 in one calendar year and waives the MQD requirement for elite status. These perks make it easier to earn elite status since spending outside Delta can count toward your Medallion level.
If you’re just relying on the SkyMiles Gold, here are the requirements you’ll have to meet for each Medallion Status tier:
Silver Medallion Status: $3,000 MQDs + 25,000 MQMs, or 30MQSs
Gold Medallion Status: $6,000 MQDs + 50,000 MQMs, or 60MQSs
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
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