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 after $10k spend, and the 2x on Delta + dining + groceries is decent everyday earn. The Aspire-style perks (lounge access, primary insurance) live one tier up on Platinum.

See current offer Issuer terms

Delta SkyMiles Gold American Express Card card art

Annual fee

$150

$12.50/mo equivalent

Waived first year
Welcome offer

80,000 miles

after $2,000 in 6 months
Recommended credit

690-790

Median 725. See why →

Earning rates

on Delta SkyMiles

2x

Airfare
2x

Dining
2x

U.S. Supermarkets
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

Not disclosed

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

Similar cards

Cards with the most in common, based on the math.

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.

$350 annual fee

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United Explorer Card

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

$150 annual fee

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Blue Cash Preferred Card from American Express

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Blue Cash Preferred is the suburban-grocery-and-streaming card: 6% cash back at U.S.

$95 annual fee

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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.