Perfect for infrequent Delta flyers: Delta SkyMiles Gold American Express Card review
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Delta SkyMiles® Gold American Express Card overview
The Delta SkyMiles® Gold American Express Card provides valuable elite-like benefits at an affordable price point for casual Delta flyers. These benefits, which include a first checked bag free and priority boarding for you and up to eight travel companions on your reservation when flying Delta, can easily justify opening and keeping this card. Card rating*: ⭐⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Editor’s note: This post has been updated with the current card information.
Although Delta and American Express field more-premium cobranded credit cards — including the Delta SkyMiles® Platinum American Express Card and the Delta SkyMiles® Reserve American Express Card — the Delta SkyMiles® Gold American Express Card is still probably the best option for the occasional Delta flyer.
With a $0 introductory annual fee for the first year, then $99 after that (see rates and fees), it still packs in a lot of perks. Currently, the card’s welcome bonus is much higher than usual, too, at 70,000 miles after $2,000 in spending in the first three months of card membership.
Here’s everything you need to know about the card and why it might be worth getting.
Official application link: Delta SkyMiles Gold Amex
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Who is this card for?
As with any travel credit card, the main question you need to ask yourself is: Will I get more value from the card’s benefits than the cost of its annual fee?
In terms of the Delta Gold Amex, specifically, you’ll want to ensure that you are maximizing perks such as free checked bags and inflight purchase discounts to add up to $99 or more in value each year. Even if you only fly the airline a few times a year, that shouldn’t be hard to do, though.
Assuming you typically fly coach and don’t have Medallion elite status with the airline, Delta charges $30 for the first checked bag on domestic flights each way. If you take two round-trips per year, your work is done. However, this card’s checked bag benefit extends to as many as eight companions on your reservation. So, this perk works well whether you travel solo, travel as a couple or travel with your extended family.
Even if you always travel with only a carry-on, you may still benefit from having the Delta Gold Amex’s priority boarding perk so you can secure some overhead space for your bag. That holds true when traveling on a basic economy ticket, too.
That said, if you tend to travel alone or with a partner and already have Delta Medallion elite status that provides your first checked bag free and priority boarding, you likely won’t get much from the Delta Gold Amex. Otherwise, if you want Delta Sky Club access or need a slight elite status boost, you should probably focus on one of the higher-end Delta cards instead.
Welcome bonus: As much as $770 in value
The Delta Gold Amex currently offers new members 70,000 bonus miles after you spend $2,000 in purchases on your new card in your first three months. This offer ends on Nov. 10, 2021. TPG’s valuations peg the worth of Delta SkyMiles at 1.1 cents each, making this welcome bonus worth around up to $770.
Due to Amex’s once-per-lifetime restriction on welcome bonuses, you won’t be eligible for this offer if you already have this card or had a previous version in the past. Amex may also consider other factors, including the number of American Express cards you have opened and closed, when determining your welcome offer eligibility.
Luckily, Amex will notify you if you aren’t eligible for the welcome offer and will give you the option to withdraw your application before doing a hard pull on your credit. So, don’t ignore any messages that appear after you submit your application.
Main benefits and perks
The Delta Gold Amex offers two exemplary benefits: a first checked bag free and Main Cabin 1 priority boarding.
In particular, you’ll get a first checked bag free when you check in with Delta for flights that are both Delta-marketed and Delta-operated.
As for boarding, Main Cabin 1 is actually the seventh out of 10 boarding groups, behind premium flyers and most elite-status tiers, but still ahead of the pack at the back of the plane.
What you might not realize, though, is that both of these perks are available for you and up to eight other passengers traveling on the same reservation as you — that’s a total of nine possible baggage fee waivers and priority boarding places.
What’s more, unlike some other airline credit cards, Delta ties these benefits to your Delta SkyMiles account rather than your card. So, you don’t need to pay for your Delta flights with your Delta Gold Amex to access these perks. Instead, you can use one of the top cards for airfare purchases, which may allow you to earn more rewards on your flights or secure more comprehensive credit card travel protections for your trip.
On top of bags and boarding privileges, Delta Gold Amex cardholders also get the following benefits:
- 20% back in the form of a statement credit when you use your card to buy eligible pre-purchased meals and inflight purchases of food, alcoholic beverages and audio headsets on Delta-operated flights.
- $100 Delta flight credit after you spend $10,000 or more on your card in a calendar year.
- Secondary collision damage waiver when you pay for rental cars with your card.
- Baggage insurance plan when you book flights entirely with your card.
- Extended warranty protection and purchase protection for purchases made with your card.
- Complimentary ShopRunner membership.
- No foreign transaction fees (see rates and fees).
Enrollment is required for select benefits.
How to earn miles
With the Delta Gold Amex, you’ll earn Delta SkyMiles on purchases charged to your card as follows:
- 2x miles on purchases made with Delta.
- 2x miles at restaurants worldwide, including takeout and delivery.
- 2x miles at U.S. supermarkets.
- 1x miles on other eligible purchases.
Based on TPG’s valuation of Delta miles at 1.1 cents each, this means you’ll get an effective 2.2% return on purchases in 2x categories and around a 1.1% return on other purchases. That’s not bad, but not great, either.
You might do much better with another Amex card. For example, The Platinum Card® from American Express, American Express® Gold Card and American Express® Green Card all are better options for booking Delta flights in terms of earning rewards, since they rack up points at the following rates:
- Amex Platinum: Earns 5x points on flights booked directly with airlines or on Amex Travel (on up to $500,000 in purchases per calendar year).
- Amex Gold: Earns 3x on flights booked directly with airlines or on Amex Travel.
- Amex Green: Earns 3x points on travel, including airfare.
The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Other top travel rewards cards also earn bonus points on airfare. However, the American Express Membership Rewards cards are particularly compelling. They compare more directly to the Delta Gold Amex since you can transfer Membership Rewards points to Delta at a 1:1 ratio. You can also transfer Membership Rewards points to various other valuable programs like Air Canada Aeroplan and Avianca LifeMiles.
Unless you are looking to earn more Delta SkyMiles specifically for an upcoming redemption, you may not want to spend much on the Delta Gold Amex since other cards offer a much better return.
How to redeem miles
The most obvious way to redeem Delta SkyMiles is to book award flights on Delta and its partners. Since Delta uses a dynamic award pricing system, though, redemption rates fluctuate widely. This means you can’t really aim for a set amount of miles to book a specific award.
That said, there are still some sweet spots in the Delta SkyMiles program.
You can also redeem SkyMiles for many things other than flights. Most of these redemptions yield a lower return than when redeeming for flights.
Which cards compete with the Delta Gold Amex?
If getting your first checked bag free and priority boarding when flying Delta are your main concerns, the Delta Gold Amex is probably going to be your best bet.
If you want a Delta card, there are two significant reasons you may want to choose a different consumer card than the Delta Gold Amex.
First, if you want a Delta card that confers complimentary Delta Sky Club access when traveling on a same-day Delta-marketed or Delta-operated flight, the Delta SkyMiles® Reserve American Express Card is a better choice for you. Just remember, it does charge a substantial $550 annual fee (see rates and fees). But that may be worth it if you frequently travel with Delta and want Sky Club access.
See our Delta Reserve Amex review for more details.
Alternatively, if you’re looking for a boost toward earning Delta Medallion elite status, the Delta SkyMiles® Platinum American Express Card with a $250 annual fee (see rates and fees) may be a better choice. Spend $25,000 or more on purchases in a calendar year, and you get a Medallion Qualification Dollar waiver toward tiers up to Platinum Medallion (a Diamond MQD waiver requires a whopping $250,000 in calendar-year spending). Cardholders earn 10,000 Medallion® Qualification Miles after spending $25,000 in purchases on their card in a calendar year, up to $50,000 and 20,000 MQMs (for 2021, you actually earn a 25% bonus, so 12,500 MQMs instead of the normal 10,000).
For more information, check out our Delta Platinum Amex review.
The Delta Reserve Amex also offers an MQD waiver and bonus MQMs when you hit specific spending thresholds.
American Express Membership Rewards cards
Don’t forget, you can transfer American Express Membership Rewards points to Delta at a 1:1 ratio. So if earning Delta miles is your first intention rather than day-of-travel perks, the Delta Gold Amex has some competition beyond just the carrier’s other cobranded cards.
Benefits such as Sky Club access when flying Delta, access to a wide variety of lounges when flying any carrier and an unbeatable return on airfare purchases make The Platinum Card from American Express a compelling option for Delta flyers. However, the Amex Platinum carries a significantly higher $695 annual fee (see rates and fees).
Check out our review of the Amex Platinum Card for more information.
A much closer comparison is the non-Delta-branded American Express Gold Card. Although the Amex Gold Card’s $250 annual fee (see rates and fees) is much higher than the Delta Gold Amex, some consumers find it easier to recoup the Amex Gold Card’s annual fee thanks to dining and Uber statement credits (enrollment required, terms apply). The Amex Gold Card earns 3x points on all flights purchased directly from the airline or Amex Travel, but also 4x points on dining purchases at restaurants and on purchases at U.S. supermarkets (on the first $25,000 spent each year, then 1x).
See our review of the Amex Gold for more details.
Finally, another option for earning Membership Rewards points on travel (including flights) is the American Express Green Card. This card accrues 3x points on travel purchases and purchases at restaurants in exchange for a $150 annual fee (see rates and fees). The Amex Green offers two up-to-$100 statement credits each year — one for lounge access purchased through LoungeBuddy and the other for a Clear membership — that may provide enough value to more than justify the $150 annual fee on their own.
Although it might not have the most lucrative earning rates, the Delta SkyMiles Gold American Express Card can still be worth picking up for its welcome bonus and Delta-specific perks. In particular, as long as you would otherwise pay a first checked bag fee to Delta at least four times each year, you’re going to come out ahead with this card.
Apply here for the Delta SkyMiles Gold American Express Card with a 70,000-mile bonus.
For rates and fees of the Delta Gold Amex, please click here.
For rates and fees of the Amex Platinum Card, please click here.
For rates and fees of the Delta Reserve Amex, please click here.
For rates and fees of the Delta Platinum Amex, please click here.
For rates and fees of the Amex Gold Card, please click here.
For rates and fees of the Amex Green Card, please click here.
Additional reporting by Chris Dong, Benét J. Wilson, Benji Stawski and Eric Rosen.
Featured photo by Wyatt Smith/The Points Guy.
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