Delta SkyMiles® Gold American Express Card
$150 annual fee · $420/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Dining | 2x | uncapped |
| Groceries | 2x | uncapped |
| Everything else | 1x | uncapped |
| Flights at Delta only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
2x | uncapped |
See how it ranks: best dining cards · best groceries cards.
Signup bonus: 80,000 points after $3,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Amex advertises this as 'as high as' — the offer is targeted and varies by applicant; many see a lower bonus. Check your personal offer before applying. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $420/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Delta Flight Credit | $200/year | annual |
| Rideshare Credit | $120/year | monthly · enrollment required |
| Delta Stays Credit | $100/year | annual |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- First checked bag free on Delta flights worldwide, second bag free on domestic Delta flights
- Zone 5 Priority Boarding on Delta flights
- TakeOff 15: 15% off Award Travel booked with miles on delta.com/Fly Delta app
- Pay with Miles: up to $50 off per 5,000 miles redeemed on delta.com
- 20% back as a statement credit on eligible Delta in-flight purchases
- No Foreign Transaction Fees
- Baggage Insurance Plan (up to $1,250 carry-on / $500 checked)
- Secondary Car Rental Loss and Damage Insurance
Does the fee earn out? · how we got this
The printed statement credits ($420/yr) cover the $150 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $150 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
Don't want the fee any more?
Delta SkyMiles® Gold American Express Card can normally be product-changed to one lower-fee card in the American Express Delta SkyMiles family instead of being closed — which keeps the account, its age and its credit line.
What does Delta SkyMiles® Gold American Express Card downgrade to? →
Comparing cards in the same currency? See the best cards that earn Delta SkyMiles →
More from American Express
- Delta SkyMiles® Gold Business American Express Card $150/yr
- Delta SkyMiles® Platinum American Express Card $350/yr
- Delta SkyMiles® Platinum Business American Express Card $350/yr
- Delta SkyMiles® Reserve American Express Card $650/yr
- Delta SkyMiles® Reserve Business American Express Card $650/yr
- Graphite Business Cash Unlimited Card from American Express $295/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.americanexpress.com · upgradedpoints.com. Spot an error? Tell us.