Delta SkyMiles® Gold American Express Card

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

Editor's Rating

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This is a better card for getting free checked bags than earning Delta miles.
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Editor's Rating

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{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","showIcon":false,"tooltipLabel":"?"}

This is a better card for getting free checked bags than earning Delta miles.
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The Delta SkyMiles® Gold Card will cost you a $0 introductory annual fee for the first year, then $99. Its counterparts, the Delta SkyMiles® Platinum Card and the Delta SkyMiles® Reserve American Express Card, cost substantially more at $250 and $550, respectively.

Review: There are much better options if you want Delta SkyMiles

The Delta SkyMiles® Gold Card offers unimpressive benefits for consumers. The card's primary benefits come in the form of spending rewards and bonuses that help consumers net additional SkyMiles® when using the card. Unfortunately however, these rewards don't really measure up when you compare it to other available options.

The rewards structure is pretty standard with double points on Delta airline affiliated purchases and single points otherwise. The welcome offer is fairly good: 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months There isn't much else that differentiates the Delta SkyMiles® Gold Card from other airline credit cards.

Unfortunately the Delta SkyMiles® Gold Card rests between having outstanding rewards for high spenders, or making practical sense for the budget conscience. With better options for both categories of consumers and travelers, it's just not a card we'd immediately recommend. As a purely spending rewards focused card, it is inferior to the Capital One® Venture® Rewards Credit Card and doesn't have enough affiliation related perks to make it a good supplemental card either.

Delta SkyMiles® Gold Card Benefits And Features

Delta SkyMiles® Gold Card

$0 introductory annual fee for the first year, then $99.

15.74%-24.74% Variable

Good/Excellent

  • Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Get ready for your next trip - spend $10,000 in purchases on your Card in a calendar year and receive a $100 Delta Flight Credit to get you there sooner.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Enjoy a $0 introductory annual fee for the first year, then $99.
  • Terms Apply.
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Assessing The Rewards

The Delta SkyMiles® Gold Card offers 2 miles on Delta purchases and at restaurants worldwide and at U.S. supermarkets, and has the typical 1 mile on other purchases. From a rewards rate perspective, this is a little better than average, allowing you to accumulate SkyMiles on some major purchase categories. However, it probably makes the most sense if you happen to be Delta SkyMiles® focused.

What Are SkyMiles® Worth?

On an average basis we value Delta SkyMiles at 1.2 cents per mile, though the actual rate may differ depending upon your travel plans. Used aggressively these miles can be worth significantly more, as mileage requirements for awards bookings typically do not scale in the way prices do for fares.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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