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Gold Delta SkyMiles® Credit Card from American Express Review

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Gold Delta SkyMiles® Credit Card from American Express

Does the Gold Delta SkyMiles® Credit Card Pay Off? 

The Gold Delta SkyMiles® Credit Card from American Express offers serious rewards for Delta customers. Cardholders earn 30,000 bonus miles after making $1,000 in eligible purchases within three months of getting the card. An additional $50 statement credit is available for cardholders who make a Delta purchase within their first three months. 

But those aren’t the only benefits that cardholders and loyal Delta customers stand to gain. The Gold Delta SkyMiles® Credit Card from American Express gives you one mile for every eligible dollar spent on purchases, or two miles per dollar spent on purchases made directly with Delta. Plus, there is no limit to how much you can earn and miles are redeemable toward travel on Delta and more than 15 airline partners.    

For frequent travelers, there are other perks that could make the card a good fit. Cardholders enjoy discounted Delta Sky Club® access for themselves and up to two guests when traveling on any airline. Use your Gold Delta SkyMiles® Credit Card from American Express abroad and you won’t incur any foreign transaction fees from American Express. Swipe your card on a Delta flight and you’ll get a 20% savings (in the form statement credit) on eligible in-flight purchases. 

These and other travel benefits will add up to serious savings for Delta frequent fliers. You’ll also notice a difference when you head to the airport. Your first checked bag will be free on every Delta flight, and you’ll get priority boarding on Delta flights so you can stow your bag in the overhead compartment and avoid the dreaded gate-check.  

Smart Features

Earn 30,000 Bonus Miles – After spending $1,000 in your first three months you’ll earn 30,000 bonus miles that you can spend on Delta flights. 

$50 statement credit – Make a Delta purchase on your card within your first three months and you’ll receive a $50 statement credit. 

  • Smart Tip: Your Delta purchase counts toward the $1,000 you need to spend to earn the bonus miles, so don’t feel like you need to buy a flight in addition to spending $1,000.  

2x Miles on Delta Purchases – Make qualified Delta purchases and you’ll earn double the miles for every dollar you spend. 

20% In-Flight Savings – For qualified in-flight purchases you’ll receive a 20% discount in the form of a statement credit.

Global Assist Hotline – The Gold Delta SkyMiles® Credit Card comes with a Global Assist Hotline available free of charge. 

Medallion Qualification Dollar Waiver – Cardholders who make at least $25,000 in eligible purchases will receive a Medallion Qualification Dollar waiver. If you don’t meet the Medallion Qualification Dollars (MQDs) threshold for a given Qualification Year, you can still qualify for Medallion status if you have earned the required Medallion Qualification Miles (MQMs) or Medallion Qualification Segments (MQSs) and you make at least $25,000 in eligible purchases on your card. 

Hotel rate matching – If you book a qualifying prepaid hotel rate via amextravel.com and find the same room at a lower price online (before taxes and fees), American Express will refund you the difference between the two rates. 

Return and Purchase Protection – Return protection can refund you for eligible purchases charged on your card. Coverage applies for the 90 days after your purchase and offers up to $300 per item, up to a maximum of $1,000 per card member per calendar year. Purchase protection is insurance for the items you buy with your card, and is underwritten by AMEX Assurance Company. It will reimburse you for items charged to your card, up to $1,000 per occurrence (theft, etc). 

Travel Accident Insurance – This feature is available to cardholders whose accounts are in good standing. To be covered, you must also pay full fare for your plane, train, bus or ship travel using your Gold Delta SkyMiles® card. 

Car Rental Loss and Damage Insurance – This insurance feature gives you the option of opting out of extra insurance when you rent a car. The card’s insurance policy provides secondary coverage for your rental vehicle.  

Extended Warranty – With this feature, American Express matches the length of the original warranty on a product you buy with the card if the original manufacturer's warranty is less than one year. American Express provides one additional year if the original manufacturer's warranty is between one and five years. 

No Foreign Transaction Fees – Unlike some credit cards, the Gold Delta SkyMiles® Credit Card doesn’t come with foreign transaction fees, making it a money-saving options for jetsetters. 

ShopRunner Benefits – Eligible customers must enroll in the ShopRunner program by signing up for a ShopRunner membership account. Once enrolled, they’ll enjoy free two-day shipping at thousands of participating brands. 

Roadside Assistance Hotline – The Roadside Assistance Hotline from American Express is a free 24-hour dispatch hotline that will send a tow truck or locksmith to your car at no cost to you. 

Reduced Rates for Delta Sky Club® Access – The Delta Sky Club® Reduced Rate benefit ($29 per person) is available to the cardholder and up to two guests and can only be used with same-day ticketed air travel (on any airline). 

How it Works

The miles you earn when you swipe your Gold Delta SkyMiles® Credit Card will be automatically credited to your account. You’ll earn one mile for every eligible dollar you spend on regular purchases, and two miles for every dollar spent directly with Delta. You can redeem miles for all or part of your airline tickets. 

If you make at least $25,000 in eligible purchases with your Delta SkyMiles® Credit Card, the Medallion Qualification Dollar requirement for that year will be waived. Medallion status unlocks access to seat upgrades, priority boarding and other perks. 

What’s the Catch

The 30,000 bonus miles and $50 statement credit are only available to those who make the required purchases within their first three months as cardholders. Those who don’t tend to fly Delta may find that they don’t get the most out of the card’s benefits. 

The $0 introductory annual fee only applies to your first year as a cardholder. After that, a $95 annual fee kicks in. 

Just the Math Please 

Rewards

The rewards you earn will be based on how much you spend and where you spend it. There is no cap on the mileage you can earn using your Gold Delta SkyMiles® Credit Card.  

Balance Transfers

The APR for balance transfer requested within 60 days of opening an account is between 17.74% and 26.74% variable, depending on the cardholder’s creditworthiness. 

Rates and Fees

Annual Percentage Rate (APR) for Purchases

17.74% to 26.74% Variable, depending on your creditworthiness. 

APR for Balance Transfers

The APR for balance transfer requested within 60 days of opening an account is between 17.74% and 26.74% variable, depending on the cardholder’s creditworthiness.  

APR for Cash Advances

27.24% Variable

Penalty APR and When it Applies

29.99% Variable.

This APR may be applied to your account if you:

• Make one or more late payments or; 

• Make a payment that is returned.

How Long Will the Penalty APR Apply?

Once the penalty rate is applied it will apply for at least six months. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months American Express reviews your payment history.  

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing period. American Express will not charge you any interest on purchases if you pay your entire balance by the due date each month. 

Annual Fee  

$0 introductory annual fee for the first year, then $95.

Transaction Fees

  • Balance Transfer Either $5 or 3% of the amount of each transfer, whichever is greater. 

  • Cash Advance Either $5 or 3% of the amount of each cash advance, whichever is greater.

  • Foreign Purchase None

Penalty Fees

  • Late Payment Up to $38

  • Returned Payment Up to $38

Rates & Fees

Final Analysis

For Delta customers who want to optimize their travel rewards when they fly with Delta, the Gold Delta SkyMiles® Credit Card offers competitive benefits. Frequent fliers will appreciate benefits like priority boarding, waived baggage fees and discounted Delta Sky Club® access. 

This card offers the bulk of attractive benefits to frequent fliers. Those who don’t travel may be turned off by the $95 annual fee that kicks in after the first year. And customers who want to do a balance transfer from another card would be better off opting for a card with a 0% introductory APR on balance transfers. 

Overall, this card should be popular with Delta devotees who are looking to maximize their miles and perks. There’s no limit on the mileage you can earn, so the sky’s the limit with this card. 

 

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

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