Delta SkyMiles® Gold American Express Card
Basic Information
Program ID: delta-skymiles-gold
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Gold
Data Complete: Yes
Created: 01/07/2026 07:33
Last Scraped: 01/15/2026 05:29
Fee Structure
| Annual Fee: | $150.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $150.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,099.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $70,000.00
Spending Requirement: $3,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours for Amex bonuses.
Rewards Program
Reward Type: Delta SkyMiles
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Delta Purchases, 2x U.S. Supermarkets (up to $25,000 in purchases per calendar year, then 1x), 2x Restaurants Worldwide
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Delta SkyMiles do not expire
Transfer Partners: N/A - SkyMiles are the program's currency and do not transfer out to other partners
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: American Express 'one welcome bonus per card per lifetime' rule applies to the Delta SkyMiles Gold product. Applicants are generally eligible for a welcome bonus only if they have not previously held this specific card product. The '2/90 rule' limits applicants to a maximum of two American Express credit card approvals within a 90-day period. Eligibility also requires excellent credit history, US residency, and meeting Amex's internal underwriting criteria.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), spending patterns inconsistent with reported income or historical behavior, rapid application for multiple cards (beyond velocity limits), high cumulative credit limit across Amex cards, credit cycling (paying off balance multiple times within a statement period), abuse of return policies or credits, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent for Delta loyalists, offers valuable travel perks like free checked bags, reliable Amex customer service, and good earning rates on everyday spending categories.
Top Negative Feedback:
Annual fee can be a deterrent for infrequent travelers, rewards are locked into Delta SkyMiles limiting flexibility, and the earning rate might be lower than premium travel cards.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Delta SkyMiles Platinum American Express Card
- American Express Green Card
- Chase Sapphire Preferred Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $550.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% General / 30% Co-brand (Delta)
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0