Gold Delta SkyMiles® Credit Card Review

Best for: extra airline perks without big interest charges

This Delta credit card by American Express is a great way to earn SkyMiles faster. It’s all about the welcome bonus; you earn 30,000 bonus miles after you’re approved and use your new credit card to make $1,000 in purchases in the first three months. You’ll also receive a $50 statement credit on your first Delta purchase with your new Delta credit card if it’s made in the first three months. Read this review to learn more about all the perks you get with this Amex card.

The Basics of the Gold Delta SkyMiles® Credit Card

  • APR: 17.99% – 26.74% Variable APR.
  • Annual Fee: $0 the first year, $95 per year after.
  • Intro Offer: 30,000 bonus miles if you use your new Delta credit card to make $1,000 in purchases in the first three months. You’ll also get a $50 statement credit on a Delta purchase made within the first three months.

The Amex Gold Delta SkyMiles® Credit Card’s standout features

  • The introductory bonus of 30,000 Delta Skymiles could get you a free plane ticket within the USA.
  • When redeeming Delta Skymiles for flights, there are no blackout dates, making it easier to find the reward points flight you’re hoping for.
  • You earn two Delta Skymiles for every dollar spent on eligible purchases made through Delta. Earn one Skymile for every eligible dollar you spend on regular purchases.
  • Gold Delta SkyMiles Credit Card holders can check their first bag free on all Delta flights.
  • Automatic main cabin priority boarding allows you to skip the boarding lines.
  • Delta miles earned on credit card purchases don’t expire.

Best way to use the Gold Delta SkyMiles® Credit Card

Amex credit cards are designed to be paid in full every month. This card gives you the option to pay in installments, but the APR is higher than some cards (17.99% – 26.99% Variable APR). Avoid expensive interest charges by paying off this card’s balance in full every month.

To maximize the reward miles you can earn through this Amex you should make most purchases with it. Especially when buying Delta flights because the Gold Delta SkyMiles Credit Card from American Express gives you two points for every Delta dollar spent.

You’ll need a little strategy to stretch your Skymiles for flights. If your travel is flexible, choose Saver Award days for travel. Saver days require fewer reward miles than Peak or Standard award days. Check the Skymiles Deals page to see their latest point specials. Delta is one of the few airlines that allows you to book award travel for one-way legs, so consider booking two one-ways, which sometimes requires less Skymiles than a round trip booking.

In a nutshell

If you’re a loyal Delta flyer, the Gold Delta SkyMiles Credit Card is a good option. You’ll earn a Skymile point for every dollar spent and two points for every Delta purchase.

The annual fee of $95 per year is relatively affordable and can be easily offset by the travel perks Delta gives cardholders. The first checked baggage on a U.S. flight on Delta is $25. That’s $50 round trip per person for a checked bag. If you travel just once per year with your spouse and use your Delta credit card, you save $100 in checked baggage fees per round trip flight, offsetting the $95 annual fee.

Since Skymiles earned on this American Express card don’t expire, you can save them for a larger trip without worrying about losing them. And no-blackout dates means more popular holidays and vacation times may be available if you book early enough.

Cynthia Paez Bowman

Journalist specializing in personal finance and international business

Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.