Editorial note: This is a recurring post, regularly updated with new information and offers.
As a points and miles enthusiast, I have over 10 cards from four issuers. Many of these cards have annual fees, and every year, a few days before that annual fee posts to my account, I have to decide if that card is worth it or if I should downgrade it.
Even if the card charges a low annual fee, you still need to get more value from its benefits than the cost of the annual fee. This can be an especially tough decision for those with cobranded airline cards.
This begs the question: Is the entry-level Delta SkyMiles® Gold American Express Card with its $150 annual fee — $0 introductory annual fee the first year (see ) — worth it? Let’s jump into it.
Welcome offer
With the Delta SkyMiles Gold card, you can apply and find out if your welcome offer is as high as 80,000 bonus miles, plus earn a $250 statement credit after spending $3,000 on purchases in the first six months of card membership. You may not be eligible for the maximum offer amount.
TPG's August 2026 valuations deem this offer as worth up to $1,210 (including the statement credit).
Note that you may not be eligible for this welcome offer if you have or previously had a different Delta SkyMiles Amex card.
