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Delta SkyMiles® Gold Card Review

Full Review of Delta SkyMiles Gold American Express Card


  • Decent bonus offer

  • Free checked bag for you and up to eight companions on the same reservation

  • Priority boarding

  • More than 20 airline partners


  • American Express isn’t as widely accepted as Visa or Mastercard

Pros Explained

  • Decent Bonus Offer for a Limited Time: Earn 40,000 bonus miles after you make $1,000 in eligible purchases on your Card in the first 3 months. By our calculations using an Investopedia valuation of 1.44 cents per Delta mile, the offer is worth $1,008 when used to book flights through Delta, which can justify the annual fee.
  • Free Checked Bag For You And Up To Eight Companions: Cardholders have their first checked bag free on Delta flights, which can be a savings of $60 on a round-trip ticket. And where some airline cards extend free-baggage privileges to few or no companions, this card allows up to eight companions total traveling in the same reservation as the card member to skip the fees.
  • Priority Boarding: Passengers holding this card can board early with Main Cabin 1 Priority Boarding on Delta Flights, even if they lack the Delta SkyMiles to do so. However, this perk is not for Delta Shuttle Flights.
  • More Than 20 Airline Partners: Delta has an impressive list of airline partners, numbering more than 20 and including Virgin Atlantic, Air France, and Aeromexico. You can earn miles on these flights at the same rate as for Delta ones, provided Delta issues the ticket; otherwise, you still earn miles, based on a different formula.

Cons Explained

  • American Express isn’t as widely accepted abroad as Visa or Mastercard: Thousands of merchants accept American Express, but its level of acceptance is somewhat lower than other major card networks internationally. That’s not ideal for a card aimed at frequent travelers, who may fly abroad at least occasionally. (On the other hand, the card at least has no foreign-transaction fee.)

The Gold Delta SkyMiles Amex card is naturally a best fit for travelers who frequently fly on Delta and its partners. Or who are at least willing to do so, since the card’s introductory bonus alone, which we estimate is worth $576, should be enough to get you onto a Delta flight or two. Even if you don’t reap a lot of additional miles every year, that bonus figure would essentially justify several years of the card’s annual fee expense.

This card is especially attractive if you often check bags on trips, or travel with people who do. Your first checked bag is free, which is a savings of $60 on a round-trip flight. Checking a bag on two round-trip flights per year would more than cancel out the annual fee. If you travel with companions, the savings would rise, since up to eight companions who are on your reservation for any one flight also qualify for this perk.

With the addition of new rewards categories, the Gold Delta SkyMiles Amex is also now worth considering for those looking for a travel card with decent-enough (2 miles per dollar spent) earnings on restaurant and supermarket purchases. With each mile worth 1.44 cents, by our estimates, those rewards make the card competitive with cash-back cards that offer 3 cents per dollar spent in those categories—that is, provided you redeem the Delta miles for flights rather than cash.

Delta SkyMiles Gold Credit Card Bonus

Earn 40,000 bonus miles after you make $1,000 in eligible purchases on your Card in the first 3 months. Based on our valuation of Delta Miles, we calculate that the 70,000 Bonus Miles is a value of $576 when used to buy flights through Delta. The bonus miles post to your account eight to 12 weeks after you meet the minimum threshold.

Rewards Earning Details

Delta purchases earn an unlimited 2 miles per dollar spent. Eligible purchases include costs associated with flights, Sky Club membership or passes, seat upgrades, Delta Vacations, or in-flight purchases. This card also offers unlimited 2 miles per dollar spent at restaurants and supermarkets. The restaurant rewards don’t apply to prepared foods sold within other establishments, such as nightclubs and food stores, and the supermarket benefit isn’t available on food bought at superstores such as Walmart and Target nor at warehouse clubs such as Costco and BJ’s.

The card pays 1 mile per dollar on all other purchases. Delta SkyMiles do not expire.

Rewards Redemption Details

Cardholders must be members of the Delta SkyMiles rewards program to redeem miles through Delta’s app, website, by phone, or at the ticket counter.

SkyMiles can be redeemed for flights, seat upgrades, Delta Vacation packages, gift cards, magazines, Sky Club membership, and experiences. You can also transfer SkyMiles to friends and family or donate them to charity. We value SkyMiles at 1.44 cents per mile when redeemed for Delta flights. That’s in the middle of the pack compared to other U.S. airlines.

You can also use SkyMiles to buy flights on other airlines. Delta partners include fellow members of the SkyTeam alliance along with other carriers:

With these partners, you can book award travel on in the same way you do for Delta flights:

  • Aeroflot
  • Aeromexico
  • Aerolineas Argentinas
  • Air France
  • China Eastern
  • China Airlines
  • China Southern
  • Hawaiian Airlines
  • ITA Airways
  • KLM Royal Dutch Airlines
  • Korean Air
  • Middle East Airlines
  • Saudia Airlines
  • Tarom Airlines
  • Vietnam Airlines
  • Virgin Atlantic
  • Virgin Australia
  • WestJet
  • Xiamen Airlines

For these other partners, you must contact Delta Reservations for help in booking award travel:

  • Air Europa
  • Czech Airlines
  • Garuda Indonesia
  • Kenya Airways

How to Maximize Your Rewards

Getting the most from this card begins, of course, with ensuring you spend the required $1,000 within the first three months and earn the 40,000-mile bonus. After that, be sure to use the card for all of your Delta purchases to earn 2 miles per dollar, including at restaurants and supermarkets. You might also use it for non-Delta purchases as well, and earn 1 mile per dollar spent, although you may well have a card that offers a better reward than that.

Keep track of this card’s perks and rewards, since they change from time to time. And keep them in mind when you travel, to boost the value you get from this card. For example, checking your first bag for free on each flight allows you to skip a $30 charge. You receive a 20% savings when you use this card for Delta in-flight purchases on food, beverages, and audio headsets.

Lastly, be careful about how you redeem your miles. As a rule, you’ll get the most for your money by redeeming your miles for flights. By our calculations, redeeming for gift cards, hotel stays, and merchandise will yield less for your money.

Average Case

For our scenario, let’s assume you live in the New York area and take three round-trip flights on Delta per year, all charged to this card to earn 2 miles per dollar spent. According to the Bureau of Transportation Statistics, you’d spend an average of $299.93 per round-trip flight. Let’s further assume that on each trip you spend $500 on non-Delta purchases like lodging, ground transportation, and other miscellaneous expenses, again charged to the card but at the standard 1-mile-per-dollar rate.

At the end of the year, you would have earned about 3,300 miles with this card. Those rewards would be worth about $47.52 when redeemed through Delta—which is well below the annual fee. Our calculation includes the miles you would earn by using this card for flights and expenses. It does not, however, consider the miles you would earn if you used this card for daily spending or of the 40,000 you might earn with the one-time offer.

Taking advantage of this card’s perks—especially the free checked bag on every flight—could add more value. If you checked a bag on each of the three round-trip flights, you’d save $180 in fees for checking a bag.

Aspirational Case

Naturally, those who travel a lot, and on Delta, will get proportionately larger returns by owning this card.

For example, someone who traveled once a month, would spend an average of around $3,599.16 on round-trip tickets per year, according to the Bureau of Transportation. If they spent (and charged to the Delta Skymiles Gold card) an additional $500 on non-Delta purchases on each trip, they’d earn a total of about 13,198 points for the year. Those would be worth just over $190 when redeemed through Delta, which is nearly double the card’s annual fee.

In the event our traveling cardholder checked bags on each of the dozen round-trip flights, they’d add $720 in saved baggage fees to the financial benefit of the card. There’s a caveat here, however: The travelers’ spending could well qualify him or her for a membership tier that offers this perk, regardless of the card you use to pay for the flights.

The total annual benefit for this card use, then, would be about $910, or over nine times the card’s annual fee. And that doesn’t count possible additional earnings from miscellaneous purchases charged to the card that earned 1 cent per dollar spent.

Delta SkyMiles Gold Amex Credit Card’s Outstanding Benefits

  • First checked bag is free
  • 20% in-flight savings on food, beverages, and audio headsets

Standard Benefits

  • No fraud liability
  • Rental car collision insurance (secondary to your own policy)*
  • 24/7 global assist hotline*
  • Access to exclusive cardmember-only events

*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit for more details. Card Members are responsible for the costs charged by third-party service providers.

Cardholder Experience

According to J.D. Power’s 2021 U.S. Credit Card Satisfaction Survey, American Express, the issuer of this card, ranks first overall for customer satisfaction.

Chat assistance is also available on the Amex website. You can also connect with American Express on Facebook or tweet questions and comments to @AskAmex.

Security Features

The Delta SkyMiles Gold Amex card offers the typical array of measures to thwart fraud, including monitoring your account for suspicious transactions and contacting you if fraudulent activity is suspected. A few less-common protections with American Express include:

  • Using 128-bit encryption technology to protect online user IDs and passwords.
  • Automatically logging you out from online account access after 10 minutes of inactivity.
  • Allowing members to establish a Personal Security Key to authenticate account access.
  • Using pre-purchase verification to verify your personal information before authorizing a transaction.

Our Verdict

The Gold Delta SkyMiles Amex is a strong choice for those who frequently fly Delta or its SkyTeam partners. With miles used for flights worth more than a cent-and-a-half apiece, and 2 miles earned per dollar spent at Delta and on food, cardholders could justify the card’s $99 annual fee if they spent almost $3,450 with Delta or at restaurants or supermarkets over the course of a year. The extras like waived baggage fees would be incremental savings, with the 40,000-point introductory bonus a welcome windfall.

Even if a cardholder didn’t spend more than was required to earn the bonus, they could employ the value of that bonus, worth $576 when used for flights, as a justification for six or more years of the card’s fee. During those years, you’d also enjoy the other benefits of the card, such as free baggage checks and early boarding, even if they lack a high status in Delta’s SkyMiles program.

Even though its rewards are food rewards are decent, pairing the Gold Delta SkyMiles Amex with a cash-back card to get more from day-to-day spending could be a good move. For example, the American Express Blue Preferred card offers 6% on groceries at U.S. supermarkets up to $6,000 per year and streaming services, 3% cash-back on gas at U.S. gas stations and transit, and 1% cash-back on all other purchases.

True Delta enthusiasts who are able to maximize the miles they earn and fully utilize perks will find this card most beneficial. Other cards, like the Chase Sapphire Preferred card, are better for travelers who require more choice and flexibility when they travel.

To see the rates and fees for the Delta SkyMiles® Gold Card please see the following link: Rates and fees

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