Last Updated: 10/08/2025
Delta SkyMiles® Gold American Express Card
Claimed
Last Updated: 10/08/2025
SuperMoney User Recommendation Score +73
Strongly recommended15 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
19.99% - 28.99%(Verified 09/19/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 06/16/2025)
Credit Score Range
N/A
Annual Fee
$0 - $150
Disclaimer popup with additional information
Number of Reviews
Delta SkyMiles® Gold American Express Card Review
This is a cashback credit card issued by American Express® National Bank. If you're wondering whether Delta SkyMiles® Gold American Express Card is the right card for you, read on.
Key Takeaways
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.99%.
- Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $150 for the privilege.
- $0 intro annual fee for the first year. $0 introductory annual fee for the first year, then $150.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of Delta SkyMiles card
| The Good | The Bad |
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Delta SkyMiles card FAQ
Does Delta SkyMiles card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 2 x miles (2X miles on Delta Purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 2 x miles (2X miles at U.S. supermarkets) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 2 x miles (2X miles at restaurants) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x miles (1X miles on all other eligible purchases.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Delta SkyMiles card have a signup bonus?
Yes. Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
Does Delta SkyMiles card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Delta SkyMiles card benefits?
Delta SkyMiles® Gold American Express Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Delta SkyMiles card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Delta SkyMiles® Gold American Express Card has a variable purchase APR that ranges from 19.99% up to 28.99%. Delta SkyMiles® Gold American Express Card does not offer balance transfers. It also has a variable cash advance APR of 29.24% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Delta SkyMiles card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Delta SkyMiles® Gold American Express Card does not offer balance transfers.Does Delta SkyMiles card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Delta SkyMiles card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $150 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $0 up to $150.
What is the customer service phone number for Delta SkyMiles card?
The customer service number for Delta SkyMiles card is (800) 528-4800.
What is the support contact email for Delta SkyMiles card?
The support contact email for Delta SkyMiles card is info@americanexpress.com.
How do people rate the customer service and user experience of Delta SkyMiles card?
Overall, Delta SkyMiles card is strongly recommended based on community reviews that rate customer service and user experience.
Does Delta SkyMiles® Gold American Express Card report your account activity to credit bureaus?
Yes, Delta SkyMiles® Gold American Express Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, Delta SkyMiles card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Delta SkyMiles card
- Visit the website of Delta SkyMiles card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Delta SkyMiles® Gold American Express Card Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. 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. 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 to 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. 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 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM
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Purchase APR
18.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$325
Disclaimer popup with additional information
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$895
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$150
Rating not yet determined
Purchase APR
20.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$550
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$150
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
18.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$5K
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$650
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +73, or 4.5 on a 5-point rating scale.
+73
-1000+100
No one recommends
Everyone recommends
Delta SkyMiles® Gold American Express Card Community Reviews
Would you recommend Delta SkyMiles® Gold American Express Card to your friends?
MZ
Marinela Z.
Nov 9, 2023
May or may not recommend
I have a mixed experience with their customer service but overall, I would not recommend this to any of my friends or family. I was certain that I applied for this credit card with the 65,000 bonus miles once I reach the required expenditures. However, I was only credited 40,000. I went back and forth several times with their support and I waited for the necessary action. ...Show More
Neha S.
Jul 3, 2023
May or may not recommend
I benefited this card from priority boarding and a smooth travel experience. I can earn miles on my everyday purchases, which I can then redeem for flights and travel perks and also helps me with free checked bag on Delta flights. Plus, I enjoy access to exclusive travel benefits like discounted access to Delta Sky Club lounges for added comfort and convenience.
Nikita K.
Jun 16, 2023
May or may not recommend
As a frequent traveler, the Delta SkyMiles Card has been a game-changer for me. The rewards program allows me to earn SkyMiles on every purchase, which I can redeem for flights, upgrades, and other travel-related expenses. It also provide priority boarding and free checked bags which is helpful. I mostly save my money on paying for checked bags.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
This was the first card I had and without a doubt one of the best. I applied for the card when I planned to travel internationally. Best of all, they have a lot of offers and their rewards don't expire. I made many trips using only the miles accumulated on the card and the service with Delta is wonderful.
KN
Kelly N.
Mar 25, 2022
May or may not recommend
applied to get discount on airfare that never went through, never received the card, never activated but i have a 99 annual fee that showed up on my credit scored. Call to explain and ask for cancellation and removal of fee, two horrible people later said they can see that it was never activited but too bad nothing they can do. Total scam
UM
Uena M.
Mar 10, 2022
May or may not recommend
This was the first card I had and without a doubt one of the best. I applied for the card when I planned to travel internationally. Best of all, they have a lot of offers and their rewards don't expire. I made many trips using only the miles accumulated on the card and the service with Delta is wonderful.
CA
Charity A.
Feb 24, 2022
May or may not recommend
I have had amazing experience with Delta SkyMiles. My Fiancé lives across the world so I have to travel a lot along with them as well. With SkyMiles it puts a lot of points towards your Delta account which you can use for buying a flight, getting upgraded seats, priority, etc. If you are looking for a cheaper option, they also have a blue card which gives less points, but ...Show More
Karina V.
Feb 17, 2022
May or may not recommend
I was opened this credit card last year when I was planning a trip overseas. I was flying Delta and this card popped up as an offer and after reading it's benefits I was sold. It's great if you travel a lot. I loved the sign up bonus because it was a great to use it as a credit on my trip. It does have an annual fee but if ...Show More
DC
Daniel C.
Feb 17, 2022
May or may not recommend
This card is awesome if you're someone who travels a lot or is looking to go on vacation and, with a little foresight, can greatly reduce your vacation expenses on flights, hotels, and more.
Muhammad A.
Jan 4, 2022
May or may not recommend
When I applied for a job for the first time, I was immediately accepted. This is an absolutely stunning card. Long car journeys are made much better with this product. It's easy to build up scores in this game. It is necessary to have good credit and to pay the bill in full. This is a really useful card to have in your collection. The smart design of the American ...Show More
Hannah M.
Aug 17, 2021
May or may not recommend
They also have annual fees, and requires amazing credit. This won’t work for those just starting out in life. But, they do have rewards that don't expire.
MB
Marshall B.
Jul 10, 2021
May or may not recommend
I love this card. Great for traveling. Earning points are easy. If you have good credit and pay your bill in full. This is a great card to have.
MS
Michelle S.
Jul 7, 2021
May or may not recommend
Although this card does have an annual fee, this is waived in the first year and you get a nice amount of miles if you hit that $2,000. This is my favorite travel card.
JS
Joe S.
Nov 13, 2020
May or may not recommend
If you're looking for a credit card that provides good miles and if you fly Delta constantly, I highly recommend their card. The customer service from Amex is always good and the miles to USD conversion is pretty high. Delta's miles have dipped the past few years and is currently gaining ground so it will be worth the annual fee since you can easily get it back in value.
SR
Suladys R.
Sep 10, 2020
May or may not recommend
Delta offers this American Express card for their customers. I highly recommend it because the amount of points you can collect from this card. I’ve been a member now for about 4 years and would not have it any other way. It saves me so much money on luggage check-ins and gets me points for miles no matter where I use the card. It gives extra points for certain purchases ...Show More
Showing 15 of 15 reviews
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