Delta SkyMiles Gold American Express Card Review – Ready When You Are
For anyone who travels regularly – pre- and post-Covid – having a credit card that earns travel rewards is a must. Delta is the largest carrier in the U.S. and if you fly Delta, then it simply makes sense to have a credit card that provides Delta SkyMiles points and the best of the bunch is the Delta SkyMiles Gold American Express.
Delta credit cards offer several categories for you to choose from. Based on these categories, you can turn your spending into rewards and save money. Here is a detailed card review of the Delta SkyMiles Gold American Express Card for you.
- What is Delta SkyMiles Gold American Express Card
- How does Delta SkyMiles Gold American Express Card Work?
- How much does Delta SkyMiles Gold American Express Card cost?
- Features of Delta SkyMiles Gold American Express Card
- Who is Delta SkyMiles Gold American Express best for?
- Who shouldn’t use Delta SkyMiles Gold American Express ?
- Pros and cons
- Delta SkyMiles Gold American Express vs. competitors
- The bottom line
What is Delta SkyMiles Gold American Express Card
American Express has several cards with its Delta Sky partnership. The Delta SkyMiles Gold American Express Card is a rewards credit card suitable for occasional or frequent flyers who prefers to fly Delta to earn Delta flight credits, Delta Sky Club access, companion certificates, priority boarding, free baggage, and other travel benefits through its membership rewards points accumulated with the Amex card. The Delta Gold card has a unique rewards structure where you earn 2X miles for each dollar on all Delta purchases, including delivery, dining, and takeout at restaurants in the world and all the U.S. supermarkets. You also earn 1X mile for one dollar on the eligible purchases. It is this feature that sets it apart from several mid-tier airline cards and will allow you to earn miles quickly.
How does Delta SkyMiles Gold American Express Card Work?
You can find card offers for this Amex through the website of Delta SkyMiles. You need to provide basic information first. This includes your full name, email address, phone number, social security number, annual income, and income source. Once you provide this, the team will review your information, access the credit score, and then make a decision. American Express will access the credit history from Canada, Australia, United Kingdom, India, and Mexico through its partnership with Nova Credit.
It will take less than 10 minutes to submit your application. You will be informed if your application is accepted. If you are an American Express Credit Cardmember from another country, you simply need to log in to the account and follow a simplified application process.
How much does Delta SkyMiles Gold American Express Card cost?
The Delta card is low maintenance and you do not have to worry about the fees. When you fly abroad, there are no foreign transaction fees you need to pay. The introductory annual fee is $0 in the first year. The benefits and rewards do make up for the $99 fee after the first year. The other ongoing cost is the variable APR. It can range from 15.74% to 24.74%. The balance transfer fee is either 3% of the transfer or $5 (whichever is greater) and the cash advance charges are 5% of the amount or $10 (whichever is greater.)
Features of Delta SkyMiles Gold American Express Card
You and up to eight additional travelers on a single reservation can board on a priority basis with the Main Cabin 1 group. Free first checked bag
The cardholder and up to eight travelers on the same reservation will have one free checked bag and this can save $30 per bag per direction.
You have a chance to earn a $100 flight credit once you spend $10,000 on your card annually.
Statement credit on purchases you make in-flight
Whenever you buy something in-flight like a meal or a beverage, you receive 20% back on the statement.
With the card, you enjoy travel protection which includes damage insurance, car rental loss, and baggage insurance. It also offers shopping protection that includes purchase protection and extended warranty coverage.
There is a great welcome bonus with Delta SkyMiles Gold American Express Card. You earn 40,000 bonus miles after you spend $1,000 in purchases within the first 3 months. Additionally, you earn $50 back in statement credits for all the eligible purchases at restaurants within three months from the date of membership. It is a great offer when you consider how convenient it is to fit your spending requirement with the restaurant and supermarket categories. The bonus does not carry Medallion Qualification Miles.
Different cards have different ways you can earn rewards and redeem them.
Delta SkyMiles Gold American Express Card comes with a signup bonus. You get 40,000 bonus miles after spending the first $1,000 for purchases through the card within the first 3 months. Additionally, you can earn up to $50 back in credits for the purchases made at U.S. restaurants using the card within the first 3 months of the membership. The spending earns are at the below-mentioned rates:
- 2X miles per dollar on all the Delta purchases, at restaurants across the world, and including delivery and takeout at the U.S. supermarkets
- 1X mile per dollar on other eligible purchases
There are two other ways to earn miles through the SkyMiles loyalty program besides spending. You can qualify for Medallion Status and earn another 7 to 11 miles per dollar on Delta flights. Another option is to align your restaurant spending with Delta SkyMiles Dining programs. You can easily work towards a VIP status while you earn 5 additional miles for every dollar.
It is possible to redeem the SkyMiles on the website by using your account. It is a simple and quick procedure. Delta has removed the award charts from the website and has moved into a dynamic pricing system. Hence, the redemption rates will be flexible and will fluctuate according to the demand, season, and cash price. You will find more seats to book using miles but they will come at an exorbitant rate.
The best way you can redeem SkyMiles is through one of the Deals Promotions that the company runs at regular intervals. You will be able to book award flights to different locations using the miles and you can also book flights operated by other SkyTeam carriers. Further, you can Pay with Miles but it will only yield 1 cent per mile in value so it is not recommended.
Your reward value is tied to Delta and you cannot transfer the miles to any other loyalty programs for a better deal. You can give miles to charity or other accounts or spend them on magazine subscriptions, travel experiences, or merchandise.
What are the miles worth?
The value of miles on your card will vary from one flight to another because Delta does not have a defined awards chart. The miles can only be redeemed for airfare at a 5,000 mile to $50 ratio which makes them worth 1 cent when you redeem through Delta.
U.S. consumer American Express credit cards will receive a complimentary ShopRunner membership. It comes with free two-day shipping on all the online purchases you make from more than 100 participating retailers and can be helpful when buying gifts and travel accessories.
Who is Delta SkyMiles Gold American Express best for?
- Frequent Delta Travelers. Delta SkyMiles Gold American Express Card is ideal for those travelers who regularly fly Delta Airlines. It hits the right notes for an annual fee of $0 for the first calendar year and then $99.
- Ideal for those who can align regular purchases. The card is also ideal for those who use the card for regular purchases. It has decent offers and priority boarding.
Who shouldn’t use Delta SkyMiles Gold American Express ?
- Occasional travelers. If you occasionally fly Delta Airlines or its partner airlines, this card is not for you.
- Travelers who seek lounge access or elite status. The card does not offer lounge access so if you are keen on relaxing at the lounge, you need to look at other options. The annual fees may not be worth it if you do not use the card for regular purchases. It is also not a right match if you want an elite status with the card.
Pros and cons
- There are no fees for foreign transactions
- You can choose from a wide range of airline partners
- $0 annual fee in the first year
- Suitable for everyday expenses
- Possible to earn $100 flight credit each year.
- Enjoy priority boarding on Delta flights and get a free first checked bag
- Annual fee
- You cannot have stopovers on award flights
- No Delta award chart
- High APR
Delta SkyMiles Gold American Express vs. competitors
|Header||Annual Fee||APR||Rewards||Bonus Miles|
|Delta SkyMiles Gold American Express Card||$0 for the first year, then $99||15.74%-24.74%||2X on dining, travel; 1X all other purchases||40,000 miles after spending $1,000 in the first 3 mos|
|Capital One Venture Rewards||$95||17.24% - 24.49%||2X on every purchase||60,000 miles after spending $3,000 in the first 3 mos|
|Citi Premier Credit Card||$95||15.99% - 23.99%||3X on airfare, gas, car rental, dining, hotels, groceries; 1X all other purchases||80,000 miles after spending $4,000 in the first 3 mos|
|Chase Sapphire Preferred||$95||15.99%–22.99%||2X points on dining, travel; 1X all other purchases||100,000 bonus miles after spending $4,000 in the first 3 mos|
Capital One Venture Rewards
Capital One Venture Rewards offer 2X miles for every dollar spent on every purchase. It needs excellent credit and has a higher APR as compared to Delta SkyMiles. The annual fee is slightly lower at $95 and a huge perk is the bonus miles. You get 60,000 bonus miles after spending $3,000 on purchases in the first 3 months of account opening.
Citi Premier Credit Card
Like Capital One, Citi Premier Credit Card has an excellent credit score requirement and an annual fee of $95. However, it has a lower variable APR ranging from 15.99% to 23.99%. The APR is lower than that of Delta SkyMiles Gold American Express Card. You can earn 3X points on every dollar spent for restaurants, supermarkets, gas stations, hotels, and air travel and 1X points for all the other purchases. Further, you can earn 80,000 bonus points once you spend $4,000 on purchases within 3 months of account opening. This amount is redeemable for $800 in gift cards.
Chase Sapphire Preferred
With Chase Sapphire Preferred, you earn 2X points on dining including eligible delivery services, takeout and dining out, and travel and 1X points on other purchases. It has an annual fee of $95 and a variable APR of 15.99% tto 22.99%. When you redeem the points for travel, you enjoy 25% more redemption value and earn 100,000 bonus points after spending $4,000 on purchases within the first 3 months.
What are the different ways I can redeem the points?
There are two ways you can redeem the points. When you book a flight with Delta Airlines or its partner airlines, you can either Pay with Miles or Pay with Cash and Miles. Apart from that, you can transfer points to another account, give them to charity or spend them on merchandise.
Can I transfer the points to another account?
Yes, it is possible to transfer your miles to another account if you do not want to redeem them yourself.
Will my Delta membership reward points expire?
Delta miles do not expire regardless of whether you take a Delta flight or not. This is a unique benefit of the program.
The bottom line
There is no limit to the miles you can earn but unless you opt for the $100 airfare credit once you spend $10,000 on the card annually, you have better alternatives to consider. The card is more like a middle-of-the-road co-branded card. It is not an ideal option for daily spending and spending $10,000 for a credit of $100 for the next trip might not be worth it. It offers benefits to those who want to check bags and board faster. The annual fee of $99 after the first year proves to be a worthwhile investment but unless you are a pleasure traveler, it is wiser to opt for a non-branded card to enjoy flexible rewards.
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