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American Express credit card

Delta SkyMiles® Gold American Express Card

$150 a year. 80,000 Delta SkyMiles miles after you spend $3,000 in 3 months. Purchase APR 19.74–28.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

American Express’s terms

Welcome offer

80,000 miles

After you spend $3,000 on purchases in your first 3 months.

Spending it takes
$1,000 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

Earn an additional 20,000 bonus miles after the first anniversary of Card Membership. Bonus miles for promotional offers are posted 8 to 12 weeks after the end of each month.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$970$20
Typical spender$1,210$260
Heavy spender$1,640$690
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$20a year

$970 the first year, with the welcome bonus.

Rewards and credits$170

You keep $20−$150 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$260a year

$1,210 the first year, with the welcome bonus.

Rewards and credits$410

You keep $260−$150 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$690a year

$1,640 the first year, with the welcome bonus.

Rewards and credits$840

You keep $690−$150 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

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).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Delta SkyMiles

How you earn

2×
Eligible 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 codeEligible purchases charged at restaurants worldwideEligible purchases charged at supermarkets located in the United States
1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Delta Stays Credit: $100 annual
  • Rideshare statement credit: $10 monthly
  • First checked bag free on Delta flights worldwide; second bag free on domestic Delta flights
  • Zone 5 Priority Boarding on Delta flights
  • $200 Delta Flight Credit after spending $10,000 in eligible purchases in a calendar year
All 17 benefits
  • 20% statement credit on eligible Delta in-flight purchases of food and beverages
  • Up to $50 off a flight for every 5,000 miles redeemed with Pay with Miles when booking on delta.com
  • 15% off Award Travel with miles on Delta flights booked on delta.com or the Fly Delta app (not applicable to partner-operated flights or taxes and fees)
  • No foreign transaction fees
  • Global Assist Hotline: 24/7 emergency assistance and coordination when traveling more than 100 miles from home; Card Members pay third-party provider costs
  • 10% back on qualifying concessions at American Express Venue Collection venues, up to $250 per calendar year (enrollment required; one enrolled card per Card Member)
  • Amex Special Ticket Access to Amex Presale Tickets and Amex Reserved Tickets while supplies last
  • 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 applies for all Covered Persons per Covered Trip.
  • Rental car
  • Emergency assistance
  • Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.
  • Extended warranty: Up to one extra year

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRPrime + 12.74% to Prime + 21.74%
Cash advance APRPrime + 21.99%
Cash advance fee
Penalty APRPrime + 26.74%
Late payment
Returned payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

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 Oct 8, 2026
See it on americanexpress.com

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