Delta SkyMiles® Gold American Express Card Review

The card_name 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 $0 introductory annual fee for the first year, then $150. 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.

Welcome Offer

Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Our Rating

4.5/5.0

Welcome Offer

Earn 50,000 Bonus Miles

Annual Fee

$0 introductory annual fee for the first year, then $150.

0% Intro on Purchases

N/A

Reward Rate

1x to 2x miles

0% Intro on Balance Transfers

N/A

Welcome Offer

Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsExtended Warranty Coverage, Purchase Protection, ShopRunner, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Free Checked Bags

Rewards

1x miles
On all other eligible purchases
Earn 1X Miles on all other eligible purchases.
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.

Interest Rates & Fees

Annual Fee$0 introductory annual fee for the first year, then $150.
Foreign Transaction FeeNone
Regular APR20.24% - 29.24% (V) APR

Insurance

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by AMEX Assurance Company.

Lost Baggage Insurance

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

What Credit Score Is Required to Get the Delta SkyMiles® Gold American Express Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 654

Average Approved Credit Score: 685

App StatusDateCredit ScoreBureauCredit Limit
Approved06/14/2024
684
Experian
$1,000
Approved05/02/2024
756
Experian
$5,000
Approved09/20/2023
702
Experian
$10,000
Approved07/07/2024
669
Experian
$1,000
Approved07/07/2024
677
TransUnion
$1,000
Approved07/07/2024
686
Equifax
$1,000
Approved12/09/2023
678
TransUnion
$10,000
Approved12/09/2023
695
Experian
$10,000
Approved12/09/2023
698
Equifax
$10,000
Approved02/08/2024
654
TransUnion
$5,000
Approved02/08/2024
660
Equifax
$5,000
Approved02/08/2024
664
Experian
$5,000

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
Cons
  • Annual fee
  • High APR

What Are the Best Alternatives?

Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Blue American Express Card

Rating

4.4

Rewards Range

1x - 2x Miles

Annual Fee

$0

Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card

Rating

4.5

Rewards Range

2x - 3x Points

Annual Fee

$99

United Gateway℠ Card
United Gateway℠ Card

Rating

4.2

Rewards Range

1x - 2x Miles

Annual Fee

$0

Related Articles

To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.