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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 15.99% APR to 24.99% APR for purchases. There is no allowance for balance transfers and cash advances have a fixed 25.49% APR. Cardholders who make two late payments or whose payment is returned receive a 12-month penalty rate of 27% 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 50,000 bonus miles after spending $2,000 within the first three months plus a $50 statement credit after their first purchase with a new card. That is the equivalent of a $550 signup bonus, which 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, their first checked bag is free, and they get a 20% discount on in-flight purchases. 

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.

  • Card Type
    • Balance Transfer
    • Rewards
  • Customer Type
    Personal
  • Card Network
    American Express
  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Annual Fee
    $95
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $38
  • Returned Payment Fee
    $38
  • No Annual Fee First Year
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Signup Bonus (points)
    60,000
  • Penalty APR
    29.49%
  • Purchases APR
    15.99% - 24.99%
  • Transfer Fee
    3% w/$5 min.
  • Balance Transfer APR
    15.99% - 24.99%
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