Delta SkyMiles® Gold American Express Card Review

The Delta SkyMiles® Gold American Express Card is an airline rewards card designed for those who have a preference to fly Delta.This card doesn’t offer as many benefits as the Delta SkyMiles® Platinum American Express Card or the Delta SkyMiles® Reserve American Express Card, but the annual fee is a much easier to swallow $99, waived for the first year. You get your first checked bag free plus priority boarding, so if you fly just a few times a year, this card is worth it. You also get a few rewards on dining and supermarkets. We dive into the details and your approval odds in this Delta SkyMiles Gold review.

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Rates & Fees
Terms Apply

Our Rating
4.5/5.0

Welcome Offer
70,000 Miles

Annual Fee
$99

0% on Purchases
None

Rewards Rate
1x to 2x miles

0% on Balance Transfers
None

Rewards

2x miles

U.S. supermarkets

Earn 2X Miles at U.S. Supermarkets.

2x miles

Delta Purchases

Earn 2X Miles on Delta purchases.

2x miles

Dining

Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S.

1x miles

On all other purchases

Earn 1X Mile on all other eligible purchases.

Welcome Bonus

Earn 70,000 bonus miles after you spend $2,000 on purchases in the first 6 months of account opening.

Pros & Cons

Pros

• Welcome bonus
• No foreign transaction fee

Cons

• Annual fee
• High APR

Features & Benefits

Security	EMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless Payments	Tap to Pay, Apple Pay, Google Pay
Benefits	Extended Warranty Coverage, Purchase Protection, ShopRunner, 24/7 customer service
Travel Perks	Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Free Checked Bags

Interest Rates & Fees

Annual Fee	$0 for the first year, then $99
Foreign Transaction Fee	None
Regular APR	20.24% - 29.24% (V) APR

What Credit Score Is Required to Get the Delta SkyMiles Gold?

Based on data we’ve collected from public forums, a credit score of 670 or higher is ideal. We have seen an approval with a score as low as 620, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	07/20/2020	665	Experian	$1,000
Approved	06/09/2021	620	Not Provided	$1,000
Approved	03/09/2022	748	TransUnion	$6,300
Approved	03/09/2022	758	Experian	$6,300
Approved	04/01/2022	730	Not Provided	$10,000
Approved	11/23/2021	625	Experian	$1,000
Approved	10/10/2020	701	TransUnion	$1,000
Approved	10/10/2020	715	Experian	$1,000
Approved	10/10/2020	718	Equifax	$1,000
Approved	12/03/2021	753	TransUnion	$15,000

What Are the Best Alternatives?

Delta SkyMiles® Blue American Express Card

Rating

4.4

Rewards Range

1x - 2x Miles

Annual Fee

$0

Read Review

Southwest Rapid Rewards® Premier Credit Card

Rating

4.5

Rewards Range

2x - 3x Points

Annual Fee

$99

Read Review

United Gateway(SM) Card

Rating

4.2

Rewards Range

1x - 2x Miles

Annual Fee

$0

Read Review

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