Delta SkyMiles Gold American Express Card

Delta SkyMiles Gold is the right Delta cobrand for cardmembers who fly Delta a few times a year and check bags. The free first checked bag pays the $150 fee back in two or three round-trips, the $200 flight credit covers most domestic one-ways once you hit $10k spend, and the 2x on Delta, dining, and groceries is a decent everyday earn. The Aspire-style perks, lounge access and primary insurance among them, live one tier up on Platinum.

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Delta SkyMiles Gold American Express Card card art

Annual fee

$150

$12.50/mo equivalent

Waived first year
Welcome offer

80,000 miles

≈$960 at our valuation
after $2,000 in 6 months
Recommended credit

690-790

Median 725. See why →

Earning rates

on Delta SkyMiles

2x

Airfare

Delta direct
2x

Dining

U.S. + worldwide
2x

U.S. Supermarkets

U.S. only
1x

Everything else

Benefits and credits

Travel credits and perks

$100 Delta Stays Credit

$100
$200 Delta Flight Credit

$200
20% Back on In-Flight Purchases
First Checked Bag Free
Global Assist Hotline
TakeOff 15: 15% Off Award Travel

Purchase and protection benefits

Extended Warranty

Up to $10,000
Purchase Protection

Up to $1,000 · 90d

Travel and purchase coverage

Baggage delay

Secondary coverage
Rental car collision damage waiver

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.49% to 28.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: Not disclosed; Fee Not disclosed
Cash advance: 28.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Conditional

Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Delta SkyMiles Platinum American Express Card

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Delta Platinum is the cobrand for Delta loyalists who want a real path to Medallion status without paying for the Reserve.

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United Explorer Card

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The United Explorer is the entry-tier United cobrand done right: $0 the first year, a free first checked bag, and 2 United Club passes a year, alongside a partner credit suite worth more than $500 that makes the $150 going-forward fee easy to amortize if you fly United even occasionally.

$150 annual fee

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Citi Strata Premier Card

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The Citi Strata Premier is Citi's mid-tier transferable-points travel card, and at $95 a year it leans on a broad 3x earning structure rather than perks.

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Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.