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Gold Delta SkyMiles® Credit Card from American Express

in Personal Credit Cards

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Gold Delta SkyMiles® Credit Card from American Express

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in Personal Credit Cards

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Overview

Who is the American Express® Gold Delta SkyMiles Credit Card Designed For?

The American Express® Gold Delta SkyMiles Credit Card is designed for frequent Delta Airlines travelers with excellent credit who want to earn travel rewards for their purchases and enjoy the prime benefits of an American Express® Gold card. The generous signup bonus and the fact the annual fee is waived the first year also make it a good option for credit card churners on the prowl for easy miles.

What are the Rates for American Express® Gold Delta SkyMiles Credit Card?

The rate for the Gold Delta SkyMiles ranges from 17.24% APR to 26.24% APR for purchases. There is no allowance for balance transfers and cash advances have a fixed 26.74% APR. Cardholders who make two late payments or whose payment is returned receive a 12-month penalty rate of 29.99% APR.

What Are the Fees for American Express® Gold Delta SkyMiles Credit Card?

The American Express® Gold Delta SkyMiles has a $95 annual fee, which is standard for a prime card with this level of benefits and signup bonus. However, the annual fee is waived the first year, which gives people a chance to earn a generous bonus and decide whether the benefits of this card justify keeping it for the long haul.

What Is American Express®' Gold Delta SkyMiles Credit Card Rewards Program Like?

The rewards program is kind of blah for a card with a $95 annual fee. Although you do get 2x rewards on Delta purchases, all other purchases only provide one point for every $1 spent.

What about American Express® Gold Delta SkyMiles Credit Card Signup Bonus?

New cardholders receive 30,000 bonus miles after spending $1,000 within the first three months plus a $50 statement credit after their first Delta purchase with a new card. The signup bonus is particularly generous for such a low spending requirement.

Does the American Express® Gold Delta SkyMiles Credit Card Have Any Other Benefits?

Although the signup bonus is generous, the travel perks are the real attraction, particularly for frequent fliers on Delta. Gold Delta SkyMiles members automatically receive Zone 1 priority boarding privileges and their first checked bag is free. 

Cardholders also receive the usual travel benefits that come with a prime American Express® card, such as purchase protection, extended warranty, $100,000 travel accident insurance, roadside assistance, car rental loss and damage insurance and baggage insurance.

How Is American Express® Gold Delta SkyMiles Credit Card Better Than Other Credit Cards?

The Gold Delta SkyMiles American Express® combines a generous signup bonus with no annual fee for the first year and prime travel benefits and perks. Although the $95 annual fee and the problems some merchants have with accepting American Express® cards will scare some members away once the first-year waiver expires, it's a good deal for frequent flyers with Delta who value the travel perks this card includes.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 25
Over-Limit Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee First Year  
No Foreign Transaction Fee  
Late Payment Penalty $38
Returned Payment Fee $38
Annual Fee $95
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $5
Minimum Age 18
Credit Score Range 700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Lost Luggage Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards 2x
Every Purchase 1x
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Every Purchase
  • Trains, Cruises, Other Travel
Signup Bonus (points) 75,000
Purchase APR (Variable APR) 17.74% - 26.74%
Cash Advance APR (Variable APR) 27.24%
Balance Computation average daily balance (including new purchases)
Penalty APR 29.99%
Balance Transfer APR (Variable APR) 17.74% - 26.74%

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