Last updated: 5/10/2022

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Delta SkyMiles Gold® American Express

Earns: Delta SkyMiles


Even Delta fans should probably pass on this card. It gives you a free checked bag on flights, but you’ll accumulate points faster on other Amex cards that earn Membership Rewards points—which you can instantly transfer to Delta and several other airlines.

This card is best for:

  • Dining
  • Groceries

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Here’s how much you would earn with this card

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You could earn Worth Plus Welcome Bonus Total
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${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

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  • Earns two points per dollar on groceries and dining.


  • Delta miles are worth less than some other points.
  • $99 annual fee after the first year.

See how the Delta SkyMiles Gold® American Express compares to other credit cards

Delta SkyMiles Gold® American Express Other Cards

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Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %


Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %


Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %


Welcome Bonus = 40,000

Value = 1 cent per point
Effective Value = $400


Annual Fee = $99

Welcome Bonus


Bonus Rating


After you spend $1,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x U.S. Grocery Stores

Very Good

very good

2x Dining



2x Delta




In the top 15% of cards.

1x All Other



Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Delta SkyMiles
Gigapoints Value
1.0¢ per point
Other Card Information

Earn up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of
membership. Terms apply.

Annual Fee
  • $0 first year
  • $99 thereafter
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

First checked bag free

First checked back is free on Delta flights for card member and also available for passengers traveling in the same reservation as the Basic Card Member.

$100 Delta Flight Credit

Spend $10,000 in purchases on your card in a calendar year and receive a $100 Delta Flight Credit to get you there sooner.

Pay with Miles

Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on

The Fine Print

PURCHASES APR 16.49% – 25.49%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.99% Variable
CASH ADVANCE FEE Either $10 or 5% of the amount of each cash advance, whichever is greater.