Delta SkyMiles® Gold American Express Card
80,000 Delta SkyMiles miles after you spend $3,000 in 3 months. $150 a year.
- Welcome offer
- Issuer's pageamericanexpress.com
“Here’s how: Earn 80,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.”
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $150”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $970 | $20 |
| Typical spender | $1,210 | $260 |
| Heavy spender | $1,640 | $690 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
80,000 miles
After you spend $3,000 on purchases in your first 3 months.
Earn an additional 20,000 bonus miles after the first anniversary of Card Membership.
Spending it takes$1,000 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · Delta SkyMiles
- 2× milesEligible purchases for air travel on a Delta flight, air travel on a Delta partner flight with a DL flight number, Delta Stays prepaid hotels and vacation rentals, Delta Vacations packages, and other Delta services submitted using a Delta merchant code
- 2× milesEligible purchases charged at restaurants worldwide
- 2× milesEligible purchases charged at supermarkets located in the United States
- 1× milesEverything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $150” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Carrying a balance? See how long it takes to pay off at 28.74% APR
Benefits
- Delta Flight Credit: $200 annual
- Rideshare statement credit: $10 monthly
- Delta Stays Credit: $100 annual
- First checked bag free on Delta flights worldwide; on domestic Delta flights, the second checked bag is also free.
- 15% off Award Travel with miles on Delta flights when booked through delta.com or the Fly Delta app; not applicable to partner-operated flights or taxes and fees.
- 20% back in the form of a statement credit on eligible Delta in-flight purchases of food and beverages.
- Zone 5 Priority Boarding on Delta flights.
- Pay with Miles: up to $50 off for every 5,000 miles redeemed when booking on delta.com.
- No foreign transaction fees.
- Amex Presale Tickets and Amex Reserved Tickets to select events, while supplies last.
- American Express Venue Collection access to select stadiums and arenas, including possible dedicated entrances or fast lanes; enrollment may provide 10% back on qualifying concessions purchases up to $250 per calendar year.
- Global Assist Hotline provides 24/7 emergency assistance and coordination services when traveling more than 100 miles from home; third-party provider costs are the Card Member's responsibility.
- Send & Split service in the American Express App; enrollment required.
- Baggage: Up to $1,250 for carry-on Baggage and up to $500 for checked Baggage; for New York State residents, a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
- Rental car
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.
- Extended warranty: Up to one extra year
Questions
- What is the annual fee?
- $150 Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
- Is there a welcome bonus?
- 80,000 Delta SkyMiles miles after $3,000 in purchases in 3 months. americanexpress.com, since Sep 29, 2026
Other miles cards with fees up to $300
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).