Delta SkyMiles® Gold American Express Card review

Delta SkyMiles® Gold American Express Card review

Updated: March 4, 2021

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Updated: March 4, 2021

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Ratings Policy
Rewards Rating:
3.6 rating
3.6 rating
3.6 / 5
Rewards Value:3.1
Annual Percentage Rate:1.3
Rewards Flexibility:4.4
Issuer Customer Experience4.6

In a Nutshell:

This card’s miles are worth more than those of the average credit card, making this airline card’s rewards program an attractive choice for cardholders who want to quickly earn a free flight on a major carrier.

Learn more about this card

Rewards Rate

  • 2:1 Delta purchases, at restaurants worldwide and at U.S. supermarkets
  • 1:1 general spending
  • Terms apply
Very Good

Introductory Bonus

70,000 bonus miles after you spend $2,000 in your first 3 months. Offer expires 4/28/2021.


Annual Bonus
$100 Delta flight credit when you spend $10,000 in a calendar year


Annual Fee
$99, $0 intro fee in first year (See rates and fees)


Average Yearly Rewards Value ($1,325 monthly spend)

Very Good

15.74-24.74% (variable) (See rates and fees)


Rewards Redemption

  • Miles don’t expire
  • No blackout dates
  • One-way flights allowed
  • Miles + cash option available for some rewards flights
  • Large number of airline partners


  • $25 fee for phone bookings, $35 for Ticket Office bookings (See rates and fees)
  • Stopovers not permitted
  • Fuel surcharges on some partners and on Delta one-way flights from Europe

American Express Customer Service Ratings

  • J. D. Power 2020 customer satisfaction rating: 838 (no issuers in this category ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: Yes
  • Google Play Store mobile app rating: 4.3/5
  • Apple Store mobile app rating: 4.9/5

Other Notable Features: Free checked bag on Delta flights, priority seating, no foreign transaction fee (See rates and fees), baggage insurance, purchase protection, ticket presales and VIP events, car purchase discounts, discounts on travel packages, ShopRunner free shipping service

Delta SkyMiles Gold American Express Card: More Details

For frequent Delta flyers eager to earn a few extra SkyMiles to use toward your next flight, the Delta SkyMiles Gold American Express Card offers the ability to rack up more rewards. Plus, you’ll enjoy luxury perks that can take some of the stress out of your vacation − like a free checked bag on Delta flights and priority boarding.

On the downside, the card does charge an annual fee of $99 ($0 intro fee in first year). If you don’t fly very often, you might have a hard time earning enough in rewards to offset this cost.

Terrific introductory bonus

Through April 28, 2021, new cardholders will earn 70,000 bonus miles after spending $2,000 in the first 3 months. This is double the card’s previous offering and matches the card’s highest welcome offer to date. We value Delta SkyMiles at around 1.61 cents apiece, giving this bonus a potential value of around $1,100.  Plus, if you spend $10,000 with the card in a calendar year, you’ll receive a $100 Delta Flight Credit.

Earning miles

Unlike many airline co-branded cards, the Delta SkyMiles Gold American Express Card has a solid rewards earning scheme outside of airline purchases. Cardholders earn 2 miles per dollar on Delta purchases, at restaurants worldwide and at U.S. supermarkets, and 1 mile per dollar on all other eligible purchases. This should make it a little easier for users who don’t fly frequently to stockpile miles.

What are Delta SkyMiles worth?

On the plus side, the rewards you earn with the Delta SkyMiles Gold American Express Card are pretty valuable. We estimate that Delta SkyMiles are worth an average of 1.61 cents per mile – making it easy to stretch your rewards a long way.

This inflated rewards value can help make up for the Gold SkyMiles card’s lackluster rewards rate. Unfortunately, in potential rewards value per dollar spent (factoring in earning rate and average point value), the card still ranks relatively low among airline credit cards.

Tip: If you are not dedicated to flying on Delta, general travel rewards cards like the American Express® Gold Card can bring in more rewards per dollar spent – thanks to bonus categories on everyday categories of spending. Plus, American Express has a partnership with Delta that makes it easy to find great deals on Delta flights through American Express Travel

Flight network

Delta has a huge flight network, with more than 14,500 daily flights in over 170 countries. This makes Delta a great airline choice for any frequent traveler. Plus, the airline is part of the far-reaching SkyTeam alliance and has 12 additional travel partners.

Redeeming miles

Once you’ve earned miles with the Delta SkyMiles Gold American Express Card, you have a variety of redemption options. However, you might not get the same value out of your miles for each kind of redemption. Additionally – like with many airline credit cards – there is no good cash redemption option.

Delta SkyMiles Gold American Express Card redemption options

Redemption optionMile value (cents)
Flight upgrades2.2
Miles + Cash1
Pay with miles1
Delta vacations1
Car rentals0.6
Delta Sky Club membership1.1
Gift cards0.3-0.5
Charity donations1.61

Delta SkyMiles can be very valuable, but you can stretch your miles farther by redeeming them for reward flights or flight upgrades.

See Related: Best ways to redeem Delta SkyMiles

Free checked bags

One of the perks cardholders enjoy is a free checked bag on Delta flights for you and up to eight companions on the same reservation. Since a checked bag typically costs $30 each way ($60 total if you fly round-trip), you only need to travel twice per year to make up for the Gold SkyMiles card’s $99 annual fee (waived first year). If you frequently travel with a large group, the perk is incredibly valuable.


Other benefits

The free checked bag perk just scratches the surface of the benefits included with the Delta SkyMiles Gold American Express Card. The card comes with plenty of additional perks that can improve your travel and shopping experience.

  • Priority boarding – On your Delta flights, you can enjoy early boarding.
  • No foreign transaction fees – The Delta SkyMiles Gold American Express Card won’t charge you a fee on foreign transactions.
  • Car rental insurance – For rental cars booked and paid with your SkyMiles card, you’ll receive secondary insurance coverage in case of damage or theft.
  • Extended warranty – Add one year to qualifying manufacturer’s warranties of five years or less.
  • Purchase protection – If you purchase an item with your card and it is lost or damaged in the first 90 days, you can be reimbursed up to $1,000 per claim ($50,000 max per year).
  • 20% back on in-flight purchases – You’ll get 20% back in the form of a statement credit on all eligible in-flight purchases of food, beverages, and audio headsets
  • Free ShopRunner membership – You can enroll in a complimentary ShopRunner membership, which offers free, two-day shipping from dozens of online merchants.

Keep in mind that while the Delta SkyMiles Gold American Express Card does not charge a foreign transaction fee, American Express cards are not accepted as widely abroad as they are in the U.S.

Customer experience

The card is issued by American Express, which has a top-notch customer service reputation. In J.D. Power’s 2019 customer satisfaction survey, Amex ranked second out of 11 major card issuers. The issuer also offers a highly-rated mobile app – rating 4.3 out of 5 in the Google Play Store and 4.9 out of 5 in the Apple App Store.

Approval odds

The Delta SkyMiles Gold American Express Card is designed for users with good to excellent credit (above 670), so you’ll want to ensure you meet those qualifications before you apply. Additionally, you won’t qualify for the introductory bonus on this card if you have had any Delta SkyMiles card in the last 90 days.

How does the Delta SkyMiles Gold American Express Card SkyMiles card compare to other cards?

While the card offers some valuable perks for frequent travelers, its earning rate is limited – especially when you consider the annual fee. For cardholders looking to maximize every day earning, you might be better off opting for one of these popular alternatives:

American Express Gold Card
American Express® Gold Card
Platinum Delta SkyMiles Credit Card
Delta SkyMiles® Platinum American Express Card
Citi / AAdvantage Platinum Select World Elite Mastercard
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Rewards rate

  • 4 points per dollar at restaurants worldwide, and on Uber Eats purchases
  • 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases per year)
  • 3 points per dollar on flights booked directly with airlines or
  • 1 point per dollar on other purchases
Rewards rate

  • 3 miles per dollar on directly purchased Delta airfare and directly purchased hotel stays
  • 2 miles per dollar at restaurants and U.S. supermarkets
  • 1 mile per dollar on other purchases
  • Terms apply
Rewards rate

  • 2 miles per dollar on eligible American Airlines purchases
  • 2 miles per dollar on gas station and restaurant purchases
  • 1 mile per dollar on other purchases
Welcome bonus

60,000 points if you spend $4,000 in first 6 months

Welcome bonus

  • 90,000 bonus miles after you spend $3,000 in first 3 months
Welcome bonus

50,000 miles if you spend $2,500 in first three months

Annual fee


Annual fee


Annual fee

$99 (waived first 12 months)

Other things to know

  • Up to $120 in dining credits per year at participating restaurants
  • $120 in Uber Cash per year ($10 per month)
  • No foreign transaction fee
  • Terms apply
Other things to know

  • Fee credit for Global Entry or TSA PreCheck
  • Annual companion certificate
  • Earn 10,000 MQMs after you spend $25,000 in purchases in a calendar year, up to two times per year
  • Priority boarding
  • Free checked bag on Delta flights for you and up to 8 companions
  • Preferred seating
  • Terms apply
Other things to know

  • Earn a $125 American Airlines Flight Discount each year you spend $20,000 and renew your card membership
  • Free checked bag
  • Preferred boarding

American Express Gold Card

The American Express Gold Card is a top choice among foodies – thanks to a generous rewards rate on both restaurant and U.S. supermarket purchases. This makes it easy to rack up significant rewards on the purchases you make every day, rather than just when you travel. Plus, Membership Rewards can be easily redeemed for airfare on American Express Travel.

Delta SkyMiles Platinum American Express Card

If you are a Delta loyalist, but prefer a few more perks with your credit card, the Platinum Delta SkyMiles card is a more premium option. Compared to the Delta SkyMiles Gold American Express Card, the Platinum charges a higher annual fee – but it comes with a couple valuable extras. Most notably, cardholders receive a companion pass each year on their account anniversary, which allows them to bring a companion for just the cost of taxes and fees. If you use this perk strategically, it can more than offset the card’s $250 annual fee.

See Related: Which Delta SkyMiles card is best for you?

Citi / AAdvantage Platinum Select World Elite Mastercard

For cardholders who enjoy flying with American Airlines, the Citi / AAdvantage Platinum Select World Elite Mastercard offers a good rewards rate for an airline card. Rather than just earning bonus points on eligible American Airlines purchases, users can also rack up great rewards by dining out and filling up their tank. AAdvantage Platinum Select cardholders earn 2 miles per dollar on both restaurant and gas station purchases. As far as other card perks, the AAdvantage Platinum Select card offers similar perks to the Delta SkyMiles Gold American Express Card – such as a free checked bag and preferred boarding.

Who should apply for the Delta SkyMiles Gold American Express Card?

  • Frequent flyers who prefer traveling with Delta Air Lines.
  • Travelers who want to earn SkyMiles more quickly.
  • Frequent travelers who will take advantage of savings on checked bags on Delta flights and lounge access.

How to use the Delta SkyMiles Gold American Express Card:

  • Use the card for all Delta, hotel, restaurant and U.S. supermarket purchases to earn bonus miles.
  • Put all major travel and shopping purchases on the card to maximize its benefits and protections.
  • Take advantage of Amex Offers, the Delta SkyMiles shopping portal and the SkyMiles Dining program to earn a few extra rewards.
  • Check the SkyMiles deals page for discounted award tickets.

Is the Delta SkyMiles Gold American Express Card worth it?

If you fly frequently and want to earn SkyMiles a bit faster, the Delta SkyMiles Gold American Express Card is a great tool to help you do just that, especially since the card earns bonus miles in a number of everyday categories, not just on Delta purchases. However, if you want a bit more flexibility with how you redeem your rewards, you may be better off with a general rewards card like the American Express Gold Card.

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

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