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You are here: Home / Credit Cards / Delta SkyMiles® Gold American Express Card Review

Delta SkyMiles® Gold American Express Card Review

December 14, 2022 by Gail Kellner

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.

Delta SkyMiles® Gold American Express Card
Learn More
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

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

Interest Rates & Fees

Annual Fee$0 for the first year, then $99
Foreign Transaction FeeNone
Regular APR20.24% - 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 StatusDateCredit ScoreBureauCredit Limit
Approved07/20/2020
665
Experian
$1,000
Approved06/09/2021
620
Not Provided
$1,000
Approved03/09/2022
748
TransUnion
$6,300
Approved03/09/2022
758
Experian
$6,300
Approved04/01/2022
730
Not Provided
$10,000
Approved11/23/2021
625
Experian
$1,000
Approved10/10/2020
701
TransUnion
$1,000
Approved10/10/2020
715
Experian
$1,000
Approved10/10/2020
718
Equifax
$1,000
Approved12/03/2021
753
TransUnion
$15,000

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

Read Review
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card

Rating

4.5

Rewards Range

2x - 3x Points

Annual Fee

$99

Read Review
United Gateway(SM) Card
United Gateway(SM) Card

Rating

4.2

Rewards Range

1x - 2x Miles

Annual Fee

$0

Read Review

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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