Delta SkyMiles® Gold American Express Card

American Express American Express Gold Pending

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13

Benefits

4

Reward Categories

2x

Max Reward

21%

APR From
Basic Information
PENDING

Program ID: delta-skymiles-gold

Issuer: American Express

Card Name: Delta SkyMiles® Gold American Express Card

Card Type: Credit

Network: American Express

Card Tier: Gold

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:33

Last Scraped: Jan 22, 2026 06:56

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Delta Purchases 2x Miles Earn 2X Miles on Delta purchases. No Cap
U.S. Supermarkets 2x Miles Earn 2X Miles at U.S. Supermarkets. No Cap
Restaurants 2x Miles Earn 2X Miles at Restaurants worldwide, including takeout and delivery in the U.S. No Cap
Everywhere Else 1x Miles Earn 1X Mile on all other eligible purchases. No Cap
Rewards Summary
PENDING

Reward Type: Miles

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x Delta Purchases, 2x U.S. Supermarkets, 2x Restaurants Worldwide

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A - Proprietary Airline Currency

Redemption Penalties: None (award availability varies)

Benefits & Protections (Detailed) 13 Total
PENDING
Purchase Protection 2
Purchase Protection
Up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year

Purchase Protection can help protect eligible purchases made on your Card against accidental damage or theft for up to 90 days from the date of purchase. Coverage is limited to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Extended Warranty
Up to 1 additional year

When you use your Card for eligible purchases, Extended Warranty can provide up to one additional year to the original manufacturer's warranty of five years or less.

Rewards 4
Delta Purchases Miles
2X Miles

Earn 2 Miles on every eligible dollar spent on purchases made directly with Delta.

U.S. Supermarket Miles
2X Miles

Earn 2 Miles on every eligible dollar spent at U.S. Supermarkets.

Restaurant Purchases Miles
2X Miles

Earn 2 Miles on every eligible dollar spent at Restaurants worldwide, including takeout and delivery in the U.S.

General Purchases Miles
1X Mile

Earn 1 Mile on every eligible dollar spent on all other eligible purchases.

Shopping Perks 1
Amex Offers
Varies

Get access to Amex Offers for discounts and rewards on shopping, dining, travel, and more.

Travel Assistance 1
Global Assist Hotline
24/7 emergency assistance

When you're traveling more than 100 miles from home, you can rely on the Global Assist Hotline for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and more. Card Members are responsible for the costs charged by third-party service providers.

Travel Insurance 1
Car Rental Loss and Damage Insurance
Secondary coverage

When you use your eligible Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental car counter, you can be covered for damage to or theft of a rental vehicle.

Travel Perks 4
First Checked Bag Free
Up to $70 per person round trip

First checked bag is free on Delta flights for you and up to eight companions on the same reservation. This can save you up to $70 per person round trip.

Priority Boarding (Main Cabin 1)
Main Cabin 1 Priority Boarding

Enjoy Main Cabin 1 Priority Boarding on Delta flights, allowing you to get on the plane sooner and get your carry-on stowed.

$200 Delta Flight Credit
$200

After you spend $10,000 in purchases on your Card in a calendar year, you will receive a $200 Delta Flight Credit to use toward future travel.

Award Travel Discount
15% off

Get 15% off when you book Award Travel with miles on Delta flights through delta.com and the Fly Delta App.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

70,000

Points/Miles

Requirement: Spend $3,000 in 180 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.

Fee Structure
PENDING
Annual Fee: $150.00
Year 1 Waived: Yes
Effective Annual Fee: $50.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 20.99% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Plan It

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Very Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: American Express 'Once Per Lifetime' Rule: Applicants are generally eligible for one welcome bonus per specific card product per lifetime. If you have ever held the Delta SkyMiles Gold card, you may not be eligible for a new welcome bonus. Eligibility is also subject to American Express's internal review, including creditworthiness, prior relationship with Amex, and a history of responsible account management. American Express Application Rules: Max 2 credit card applications per 90 days. American Express may also limit the number of credit cards an individual can hold at one time.

Max Cards Per Issuer: 5

Min Spend Interval: 3-6 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit, abuse of return protection/extended warranty, excessive credit cycling, pattern of opening and closing cards rapidly, failure to pay on time, suspicious activity inconsistent with normal spending patterns, or violation of terms and conditions.

Cliff Effect Rules: American Express's 'Once Per Lifetime' rule is the primary cliff effect. If you have previously held the Delta SkyMiles Gold card, you are generally ineligible for its welcome bonus again. This rule applies to the specific product, not necessarily the entire Delta co-brand family, though Amex reserves the right to deny bonuses based on broader card history or perceived bonus churning.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.1 / 5.0

Top Positive:
Excellent for frequent Delta flyers, offers valuable travel benefits like free checked bags, good welcome bonus, and reliable American Express customer service. Strong earning rates on Delta purchases, dining, and groceries.

Top Negative:
Annual fee can be a deterrent for infrequent travelers, rewards are primarily tied to Delta SkyMiles, which may not appeal to those who prefer flexible points or other airlines.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Delta SkyMiles Platinum American Express Card
  • American Express Gold Card
  • Chase Sapphire Preferred Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $430.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0