Delta SkyMiles® Gold American Express Card

Fees:

  • Annual Fee: $0 for the first year, then $150
  • Foreign Transaction Fee: None

APR:

  • Purchases: 19.99% to 28.99% variable
  • Cash Advances: 29.49% variable

Offer:

  • Sign-Up Bonus: Up to 80,000 bonus miles after spending $2,000 within the first 6 months.
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  • First Checked Bag Free: Save up to $70 per round trip per person (up to $280 for a family of four) on Delta flights.

  • Travel Credits: Earn a $200 Delta flight credit after spending $10,000 in a calendar year.

  • Bonus Miles: Earn 2x miles on Delta purchases, dining, and U.S. supermarkets, and 1x miles on all other purchases.
Features
  • Earn 2x miles on Delta purchases, dining, and groceries at U.S. supermarkets.
  • Earn 1x mile on all other purchases.
  • Save 15% on Award Travel with miles through the TakeOff 15 program on Delta flights.
  • Receive a $200 Delta flight credit after $10,000 in purchases annually.
  • Get a $100 Delta Stays credit for prepaid hotels or vacation rentals booked through Delta.
  • 20% back as a statement credit on in-flight purchases of food and beverages.
  • No foreign transaction fees.
  • Baggage Insurance Plan for lost, stolen, or damaged baggage.
  • Car rental loss and damage insurance when the card is used for the rental.
Details

The Delta SkyMiles® Gold American Express Card is tailored for travelers who frequently fly Delta Airlines and seek to maximize their rewards. Cardholders can earn up to 80,000 bonus miles with an introductory offer and earn 2x miles on Delta purchases, dining, and U.S. supermarkets. Key travel benefits include a free checked bag on Delta flights, 15% savings on Award Travel via the TakeOff 15 program, and an annual $200 Delta flight credit after $10,000 in spending. Additional perks like no foreign transaction fees, baggage insurance, and 20% back on in-flight purchases enhance the card’s value. The annual fee is waived for the first year and $150 thereafter.

Pros
  • Generous sign-up bonus of up to 80,000 miles.
  • Free first checked bag for cardholder and companions.
  • Bonus miles on dining, Delta purchases, and groceries.
  • Annual travel credits like the $200 Delta flight credit and $100 Delta Stays credit.
  • 15% savings on Award Travel.
  • No foreign transaction fees.
Cons
  • $150 annual fee after the first year.
  • $10,000 spending requirement to earn the $200 Delta flight credit.
  • Limited benefits for non-Delta travelers.
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Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.

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