Gold Delta SkyMiles® Card from American Express Review

The Gold Delta SkyMiles® Card from American Express offers great Delta benefits and a competitive sign-up bonus. The annual membership may deter some, but if Delta is your preferred airline, the card is a great option.

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The Good

Multiple Delta rewards

With the Gold Delta Skymiles® Card, you’ll earn two miles on Delta purchases and one mile for all other eligible dollars spent. You’ll also be able to check your first bag free on every Delta flight – that’s a savings of up to $200 per round trip for a family of four. In addition, you can enjoy Premium TravelPerks, like the ability to settle in sooner with Priority Boarding. If Delta is your preferred airlines, the Gold Delta Skymiles® Card is a great reward credit card option.

Sign-up bonus

The majority of business rewards credit cards offer a sign-up bonus to new cardholders. The Gold Delta Skymiles® Card offers 30,000 bonus miles after making your first purchase on the Card.

No over-limit fee

Many of the top business rewards cards charge a fee if you go over your credit limit. This is not something that Gold Delta Skymiles® cardholders will have to worry about, as the card does not charge an over-limit fee.

The Bad

Annual membership fee

The Gold Delta Skymiles® Card has a $0 introductory annual fee for the first year, then $95 each year after. Many of the top rewards travel cards charge an annual fee, but the $95 is on the higher side. The great thing about the card is that you have a full year to test it out and see if it’s the right fit before the membership fee kicks in.

The Details

Rates and Fees

  • Annual Fee: $95 ($0 first year)
  • Cash Advance Fee: $5 or 3% per cash advance
  • Cash Advance Rate (APR): 25.74%
  • Foreign Currency Transaction Fee: None
  • Introductory Rate (APR): None
  • Standard Rate (APR): 16.24% - 25.24%

Penalty Fees

  • Default Penalty Rate (APR): 29.74%
  • Late Payment Fee: Up to $38
  • Minimum Interest Charge: None
  • Over-Limit Fee: None
  • Returned Payment Fee: Up to $38

Balance Transfers

  • Introductory Balance Transfer Rate (APR): None
  • Standard Balance Transfer Fee: $5 or 3% per transfer
  • Standard Balance Transfer Rate (APR): 16.24% to 25.24%


  • Additional Rewards for Dining: None
  • Additional Rewards for Gas: None
  • Additional Rewards for Groceries: None
  • Additional Rewards for Shopping: None
  • Additional Rewards for Travel: 2 miles per $1
  • Bonus Points Offered: None
  • Rewards Earnings for All Purchases: 1 mile per $1
  • Sign-Up Bonus: 30,000 bonus miles after making your first purchase on the card
  • Type of Reward: Airline

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