American Express
Delta SkyMiles Gold Benefits, Credits & Annual Fee
$150 / yr (waived year 1) · Earns Delta SkyMiles
The Delta SkyMiles Gold American Express Card is a mid-tier airline card built for occasional Delta flyers who want travel perks like a free checked bag, priority boarding, and miles on everyday spending at a $150 annual fee.
- 2xDelta Purchases +2
- $250Venue Collection
- $200Delta Flight
- $120Global Entry
- $100Delta Stays
$500/yr in credits · $150 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 7, 2026
Delta SkyMiles Gold at a Glance: $150 Annual Fee, Issuer and Rewards
- Annual fee:
- $150 / yr (waived year 1)
- Issuer:
- American Express
- Rewards:
- Delta SkyMiles
- Credits:
- 4 recurring, up to $500 a year
Delta SkyMiles Gold Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Dining | 2x | |
| Groceries | 2x | |
| Flights | 2x | |
| Everything else | 1x |
Who Should Get the Delta SkyMiles Gold?
The Delta SkyMiles Gold fits people who spend most on dining (2x) and groceries (2x). Its $150 annual fee makes sense if the $500 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway.
Is the Delta SkyMiles Gold Worth the $150 Annual Fee?
The Delta SkyMiles Gold costs $150 a year. Creddy lists 4 trackable credits worth up to $500 a year if you use every one, $350 more than the fee. You break even once you use about 30% of that credit value, so count only the credits you would use anyway. Credits that need a spending threshold are not counted.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Delta SkyMiles Gold Welcome Bonus
Up to 80,000 bonus miles plus $250 statement credit
Offer history
- Sep 8Up to 80,000 bonus miles plus $250 statement credit
- Jul 16Up to 80,000 bonus miles plus $250 statement credit
- Jan 2990,000 bonus miles
Tracked since Oct 2024
Delta SkyMiles Gold Statement Credits and When They Reset
- Venue Collection Concessions Rebate$250 / yrTrackableEnrollment required
Get 10% back in statement credits on qualifying food and beverage concessions at American Express Venue Collection stadiums and arenas. Enroll your Card before paying with it. Credits are capped at $250 per calendar year, and the offer ends December 31, 2026.
Resets: Calendar yearChecked Sep 27, 2026 - $200 Delta Flight Credit$200 / yrTrackableMin spend $10,000
After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
Resets: Calendar yearChecked Sep 13, 2026 - $120 Rideshare Credit$10 / moTrackableEnrollment required
Get up to $10 back per month, or $120 per calendar year, on U.S. rideshare purchases. Enroll your Basic Card, then pay with it or an Additional Card at participating services such as Uber, Lyft, Curb and Alto. The monthly limit applies across the enrolled account.
Resets: MonthlyChecked Sep 27, 2026 - 20% Back on In-flight Purchases20% / yr
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
Checked Sep 14, 2026 - Delta Stays Annual Statement Credit$100 / yrTrackable
Get up to $100 back per calendar year as a statement credit on prepaid hotel bookings made through Delta Stays, Delta's hotel portal at delta.com/stays. Pay with your Delta Gold Amex to qualify, and the credit resets each January.
Resets: Calendar yearChecked May 22, 2026 - Global Entry / TSA PreCheck Application Fee Credit$120 / 4yrTrackable
Receive a statement credit covering the application fee for Global Entry (up to $120) or TSA PreCheck (up to $85) when you pay with your card. The credit is available once every four years for Global Entry or once every 4.5 years for TSA PreCheck.
Resets: Every 4 yearsChecked May 22, 2026
Delta SkyMiles Gold Travel Benefits
Travel Benefits
- Pay with Miles
Use SkyMiles to reduce the cash cost of a flight when booking on delta.com. Pay with Miles takes up to $50 off for every 5,000 miles you redeem. You need enough miles in your account to redeem in 5,000-mile increments.
Checked Sep 27, 2026 - First and Second Checked Bag Free
Enjoy your first checked bag free on Delta flights worldwide, and on domestic Delta flights your second bag flies free too. Primary cardholder and companions on the same reservation may qualify per Delta/Amex terms.
Checked Sep 12, 2026 - Lowest Hotel Rates Guarantee
Get a refund of the difference if you find a lower online rate after booking a qualifying hotel through Amex Travel. Submit a claim for the same hotel, room, dates, guests and booking terms. Rates are compared before taxes and fees.
Checked Sep 27, 2026 - Priority Boarding
Board your Delta flight in Zone 5, ahead of general boarding groups. Show your card and boarding pass at the gate to take advantage of this perk on Delta-operated flights.
Checked May 22, 2026 - 15% Off Award Flights with Miles
When redeeming SkyMiles for a Delta-operated award flight, you automatically get 15% off the miles required at checkout. This discount applies on delta.com or the Delta app and is limited to flights Delta actually operates - codeshare or partner flights do not qualify.
Checked May 22, 2026
Airline Status
- MQD Headstart - Medallion Qualification Dollars Credit
Each Medallion Qualification Year, $2,500 in Medallion Qualification Dollars (MQDs) are automatically credited to your Delta account with no spending threshold required. These MQDs count toward Silver, Gold, Platinum, and Diamond Medallion status.
Checked May 22, 2026
Rental Car
- Car Rental Loss and Damage Insurance
Get secondary coverage for damage to or theft of a rental vehicle. Reserve and pay for the entire rental with your eligible Card and decline the rental company's collision damage waiver. Liability is not covered, and rentals in Australia, Italy and New Zealand are excluded.
Checked Sep 27, 2026
Travel Insurance
- Baggage Insurance Plan
Get coverage for lost, damaged or stolen baggage when you pay the entire fare for a common-carrier ticket with your eligible Card. Coverage is up to $1,250 for carry-on bags and $500 for checked bags, after the carrier's coverage. New York residents have a $10,000 aggregate trip limit.
Checked Sep 27, 2026
More Delta SkyMiles Gold Card Benefits
Bonus Earnings
- 2X Miles on Delta Purchases, Restaurants, and U.S. Supermarkets2x miles
Earn 2 miles per dollar on eligible purchases made directly with Delta, at restaurants (including takeout and delivery in the U.S.), and at U.S. supermarkets.
Checked Sep 30, 2026 - 1X Miles on All Other Eligible Purchases1x miles
Earn 1 mile per dollar on all other eligible purchases.
Checked Sep 30, 2026 - 15% Off Award Redemptions for Delta Flights15%
Take 15% off when you book Award Travel with miles on Delta flights via delta.com and the Fly Delta app. Discount not applicable to partner-operated flights where noted.
Checked Sep 14, 2026
Purchase Protection
- Purchase Protection
Get coverage for eligible purchases that are stolen or accidentally damaged. Pay for a covered item with your Card to protect it for up to 90 days from the purchase date. Coverage limits and exclusions apply.
Checked Sep 27, 2026 - Cell Phone Protection
Pay your monthly cell phone bill with this card to activate protection against damage or theft. Coverage limits and deductibles apply, so review your card's benefit guide for the exact terms and claim process.
Checked May 22, 2026 - Extended Warranty
Get up to one extra year added to an eligible manufacturer's warranty when you buy the item with your Card. The original warranty must be five years or less. Coverage applies to qualifying purchases in the United States or its territories.
Checked Oct 7, 2026
Concierge & Membership
- Global Assist Hotline
Get 24/7 help coordinating emergencies while traveling more than 100 miles from home. Call the Global Assist Hotline for medical or legal referrals, emergency cash-wire coordination or help with missing luggage. The distance requirement applies before you can use the service.
Checked Oct 5, 2026
Entertainment
- American Express Venue Collection Entrances and Fast Lanes
Use designated American Express Card Member entrances or fast lanes at participating American Express Venue Collection locations. Show your Card where a venue offers these lanes. Entrances and fast lanes vary by venue and may not be available at every event.
Checked Sep 27, 2026 - Amex Special Ticket Access
Get access to Amex Presale Tickets and Amex Reserved Tickets for select sports, music and other events. Look for participating events and use your Card to buy available tickets. Access does not guarantee tickets, and availability varies by event.
Checked Sep 27, 2026
Fees & Miscellaneous
- No Foreign Currency Conversion Fees
Use your card abroad without worrying about foreign currency conversion fees - they simply don't apply. The savings kick in automatically on any international purchase, with no caps or category restrictions.
Checked May 22, 2026 - No Foreign Transaction Fees
No foreign transaction fees on purchases made outside the U.S. or in a foreign currency.
Checked Sep 26, 2026 - Introductory Annual Fee
Pay a $0 annual fee for your first year with the Delta SkyMiles Gold Card. The introductory rate applies from the start of Card Membership. An annual fee may apply after the first year; check your Card terms for the ongoing amount.
Checked Sep 27, 2026
Delta SkyMiles Gold vs Other American Express Cards
- Amex Green$150 / yr
- Hilton Surpass$150 / yr (waived year 1)
- Amex Blue Cash Preferred$95 / yr (waived year 1)
- Amex Blue Cash Preferred (Morgan Stanley)$95 / yr (waived year 1)
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Delta SkyMiles Gold FAQs
Is the Delta Skymiles Gold Card worth the annual fee?
Compare Delta SkyMiles Gold's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
What are the benefits of the Delta Skymiles Gold Card?
American Express lists up to $100 per year for eligible prepaid Delta Stays bookings on delta.com and a $200 Delta Flight Credit after $10,000 in qualifying calendar-year purchases. After the first card renewal, enrolled cardmembers can receive up to $10 monthly for eligible U.S. rideshare purchases with select providers. Checked against the U.S. Delta Gold page on September 26, 2026.
What is the annual fee for the Delta Skymiles Gold Card?
Creddy's catalog lists a $150 annual fee for Delta SkyMiles Gold as checked on September 26, 2026. The catalog marks the first-year fee as waived; confirm the offer you receive. Confirm current pricing and any additional-card fees with American Express before applying or renewing.
Does the Delta Skymiles Gold Card come with a welcome bonus?
Welcome offers for Delta SkyMiles Gold can change and may depend on your application or account history. Check American Express's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Delta Skymiles Gold Card?
Delta SkyMiles Gold may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Delta Skymiles Gold Card compare to other American Express cards?
Compare Delta SkyMiles Gold with other American Express cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.