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Delta SkyMiles® Gold American Express Card review: Potential value for everyday spending

Updated:

image_b082adImage: image_b082ad

303

reviews

3.8

Rating: 3.8 out of 5.

Editors’ take: The Delta SkyMiles® Gold American Express Card may make sense for travelers who occasionally fly with Delta and want to take advantage of free checked bags and priority boarding. But this card doesn’t have some of the premium perks that other airline credit cards offer.

Great for Delta loyalists

Annual Fee: $0 introductory annual fee for the first year, then $150.

Here’s the average credit limit of members who matched their Delta SkyMiles® Gold American Express Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 19% 8% 20% 29% 24%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 19% 8% 20% 29% 24%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 19% 8% 20% 29% 24%

The average credit limit for members who have matched with this card or similar cards is $13,729, with $1,000 being the most common.

Here’s the average credit score of members who matched their Delta SkyMiles® Gold American Express Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 1% 16% 16% 39% 28%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 1% 16% 16% 39% 28%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 1% 16% 16% 39% 28%

The average credit score for members who have matched with this card or similar cards is 707, with 819 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.


Member stats

Updated daily

29%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

45 years

Average age of members who matched this card or similar cards.

$108,713

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.


Pros and cons

yesImage: yes

Annual fee waived the first year

yesImage: yes

Bonus miles for Delta purchases and other everyday spending categories

yesImage: yes

Solid welcome bonus


ConImage: Con

Ongoing annual fee might make sense only if you use it as a primary card

ConImage: Con

No companion fare offer

ConImage: Con

No complimentary lounge access


Delta SkyMiles® Gold American Express Card review

Updated March 28, 2025

This date may not reflect recent changes in individual terms.

Written by: Tim Devaney


Is the Delta SkyMiles® Gold American Express Card worth it?

The Delta SkyMiles® Gold American Express Card could make sense for people who fly at least occasionally with Delta.

If you fly with Delta from time to time, you might be able to offset the annual fee with convenient flight perks like free checked bags and priority boarding. If you use the Delta SkyMiles® Gold American Express Card as your primary credit card, you may have even more opportunities to earn flight credits and rewards.

But the card lacks some perks and travel credits you may find from other travel cards with similar annual fees, including lounge access and a credit for TSA PreCheck® or Global Entry.

Delta SkyMiles® Gold American Express Card at a glance


Delta SkyMiles® Gold American Express Card best perks and features

The welcome bonus could help pay for your next flight

The Delta SkyMiles® Gold American Express Card offers 80,000 bonus miles when you spend $3,000 on purchases during the first 6 months of card membership.

Credit Karma’s point valuations estimate Delta SkyMiles® are worth approximately 1.07 cents each. That means the welcome bonus could worth about $856 when you redeem for flights. The solid welcome bonus can help you pay for your next trip.

The rewards program is geared toward everyday use

The Delta SkyMiles® Gold American Express Card encourages you to use it as the main card in your wallet by offering bonus rewards in several everyday spending categories.

With this card, you’ll earn …

The discount on award flights could help your miles go further

The Delta SkyMiles® Gold American Express Card offers 15% off when booking qualifying award travel.

Use your SkyMiles to buy a ticket through delta.com or the Fly Delta app, and you’ll automatically receive the 15% discount on eligible purchases.

The travel credits could make up for the annual fee

The Delta SkyMiles® Gold American Express Card offers a $200 Delta flight credit when you spend at least $10,000 in eligible purchases during the calendar year.

While this could more than make up for the card’s annual fee, the high spending requirement could make it difficult to reach if you don’t use this card regularly.

The Delta SkyMiles® Gold American Express Card also comes with a $100 annual credit when you use your card to book a prepaid hotel stay or vacation rental through Delta Stays.

You’ll also receive the following perks:

What are the drawbacks of Delta SkyMiles® Gold American Express Card?

Annual fee might not be worth the benefits

The Delta SkyMiles® Gold American Express Card has an annual fee: $0 introductory annual fee for the first year, then $150. But despite being more expensive than some of its competitors, the card lacks some of the perks you can find at this tier.

For example, the card doesn’t provide companion fares or access to airport lounges. And it doesn’t offer a statement credit for TSA PreCheck or Global Entry. 

How to redeem Delta SkyMiles®

You can only redeem Delta SkyMiles directly through Delta.

The best way to use your Delta SkyMiles is to book flights, where we estimate your miles will be worth 1.07 cents each, based on Credit Karma’s point valuations.

You can redeem your SkyMiles for more than just Delta flights. You can also use them for seat upgrades, vacation packages and to book flights with Delta’s partner airlines, which include Air France, KLM Royal Dutch Airlines, Virgin Atlantic, Aeromexico and WestJet.

Other cards to consider

Credit Karma’s methodology

Credit Karma uses qualitative and quantitative measures to review travel and premium credit cards. Our goal is to help you understand a card’s most useful features — and where it may fall short compared to other options.

We take into account factors such as unique rewards and benefits, ease of redeeming rewards, fees and rates, transfer partners, lounge access and rewards rates.

Credit Karma editors have also built some proprietary metrics to measure the value of rewards credit cards.

Our point valuations estimate how much rewards programs are worth. We look at both the value you could get by redeeming your points directly through a credit card issuer, as well as the value you could get by transferring your points and miles to an airline or hotel rewards program.

Instead of just telling you how many miles you could earn, the editors’ estimated bonus value multiplies the sign-up bonus by the reward program’s point valuations to tell you how much we believe they’re worth.

Our goal is that these metrics will help you decide whether the card’s rewards and benefits are worth it for you.

FAQs about the Delta SkyMiles® Gold American Express Card

Is it hard to get the Delta SkyMiles® Gold American Express Card?

Most Credit Karma members who report having the Delta SkyMiles® Gold American Express Card or similar cards have good or excellent credit.

But keep in mind that your credit scores are just one of many factors card issuer American Express may look at when determining your eligibility.

Is Delta SkyMiles® Gold American Express Card the same as the American Express® Gold Card?

Even though they’re both issued by American Express, these cards have different offerings and benefits.

The Delta SkyMiles® Gold American Express Card is an airline credit card that rewards you with Delta SkyMiles and airline-specific perks and benefits.

The American Express® Gold Card, on the other hand, offers dining rewards and restaurant credits.

What is the annual fee for the Delta SkyMiles® Gold American Express Card?

The Delta SkyMiles® Gold American Express Card charges an annual fee: $0 introductory annual fee for the first year, then $150. The card offers rewards and benefits, including free checked bags and priority boarding, to make up for the annual fee.


Member reviews

Overall rating:

3.8

Rating: 3.8 out of 5.

303

reviews

Most helpful positive review

May 4, 2023

5

Rating: 5 out of 5.

CK Lied

Credit Karma Member

CK said I had a poor chance of getting this card so I went to the Amex website and got pre-approved and then got accepted. Don't believe everything on CK.

Most helpful negative review

January 19, 2024

1

Rating: 1 out of 5.

They'll take your benefits and still charge you

Credit Karma Member

I've had Delta Amex cards for years as I've always flown Delta. A few years ago I upgraded to the Platinum Sky Miles card in order to be able to access the sky lounge. This was absolutely the only reason I upgraded as I often have long layovers on work and personal travel. This year they removed this perk and when I attempted to use the Sky Club, as I had just 2 weeks earlier during travel, they turned me away and made me feel like an inferior citizen. When I got on the line with Amex I was told that I could upgrade to their next level, but this would cost me an additional 550 a year on each card. They already charged my 250 a year and 50 per visit to their Sky Club and now they want to not only act uppity like I don't deserve their Sky Club, but demand I pay more for it, both yearly and at the door? I will be reconsidering all future travel and credit purchases. I have downgraded my card to Gold because their is absolutely no use to having platinum. I will also be advocating all my family and friends to switch both airlines and credit cards as the companies obviously don't care about anything but profits.

All member reviews