The Gold Delta SkyMiles® Credit Card from American Express credit card is the cheapest to own of the credit cards affiliated with the Delta SkyMiles® loyalty program. The Gold Delta SkyMiles® Credit Card from American Express will cost you an annual fee of $95, waived for the first year. It's counterparts the Platinum Delta Skymiles® and the Delta Reserve cards cost substantially more at $195 dollars and $450 respectively.
As the cheapest of the Delta SkyMiles credit cards, the Gold Delta SkyMiles® Credit Card from American Express offers the least 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 airline affiliated purchases and single points otherwise. Outside of the 30,000 bonus miles that new American Express account holders are eligible for after making $1,000 in purchases within the first 3 months, there isn't much else that differentiates the Gold Delta SkyMiles® Credit Card from American Express from other airline credit cards. Given the $95 annual fee (waived year 1), many cards with similar fees just offer better all around value.
Even if you do happen to be focused on earning SkyMiles®, you can get more both in bonus and rewards with some other cards. The Starwood Preferred Guest® Credit Card from American Express has a 25,000 point bonus (35,000 through a limited time offer that ends 04/05/2017) and through its transfer partnership with Delta, consumers can exchange SPG points 1:1 for Delta SkyMiles®. Transfer 20,000 or more points in a single transaction and SPG will award you with an additional 5,000 point bonus as well. The Starwood Preferred Guest® Credit Card from American Express gives you the additional flexibility and value of using those points on hotel stays as well. Within the SkyMiles® cards you'll likely get better value with the Platinum version. While the Platinum counterpart has higher annual fees of $195, the added companion certificate and MQM offers can easily offset the differential.
Unfortunately the Gold Delta SkyMiles® Credit Card from American Express 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 Barclaycard Arrival Plus and doesn't have enough affiliation related perks to make it a good supplemental card either.
|Annual Fee||$0 introductory annual fee for the first year, then $95.|
|Purchase APR||16.49%-25.49% Variable|
While both American Express and Delta highlight the Skyclub access as a perk of the Gold Delta SkyMiles® Credit Card from American Express, potential cardholders should be aware that this only gives you a discount towards entering the lounge. Delta offers lounge access passes for a price of $50.00 a piece with discounts if you buy in bulk. The Gold Delta SkyMiles® Credit Card from American Express permits you access to the lounges at $29 a person, yielding an overall savings of $21 dollars. Lounge access is nice, but we imagine that it's a perk most travelers could live without on most trips.
Value Estimate: $21
Like the other Skymiles® credit cards, the Gold Delta SkyMiles® Credit Card from American Express has the typical 1x on everyday purchases and 2x on airline affiliated purchases. Form a rewards rate perspective there isn't much to be thrilled about. You won't really earn much more through using the card than any other card, so it really only makes 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 signfiicantly more, as mileage requirements for awards bookings typically do not scale in the way prices do for fares.
Comments and Questions
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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.