American Express Delta SkyMiles Gold - Find Me a Card

American Express Delta SkyMiles Gold

A good card for Delta frequent flyers, with a welcome bonus of 40K miles (after spending $1K within 3 months), but with a $99 annual fee.

Your total savings: $2,653 over the next 5 years

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Credit Score Required:
Average (670-739)
American Express
American Express

Rewards & Perks

Reward Highlights

  • 40K miles welcome bonus (after spending $1,000 in the first 3 months).
  • Earn 2x miles on restaurants, U.S. supermarkets, and Delta purchases. Earn 1x miles on all other purchases.
  • Priority boarding: Priority boarding allows you to board the plane sooner, stow your bag and settle in your seat before takeoff.
  • Free checked bag: First checked bag is free.
  • $100 Delta credit each year: Receive a $100 Delta flight credit each year that you spend $10,000 or more with the card.
  • 20% back on in-flight purchases: 20% discount on eligible in-flight purchases of food, beverages, and audio headsets.

Other Rewards & Perks

  • Global Assist Hotline: When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial, or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more.
  • Purchase Protection (90 days): Coverage for eligible items you buy with your card if they are lost or stolen within 90 days of your purchase.
  • Early access: Exclusive access to ticket presales and card member only events.
  • Pay It or Plan It: Two different options to pay down your balance. Take advantage of the "Pay It" option to pay small purchase amounts (under $100), or you can "Plan It" to split up large purchases ($100 or more) with a fixed fee.
  • Other perks include: Fraud protection, car rental loss and damage insurance, and extended warranty for warranties of 5 years or less.

Special Signup (Promo) Rewards & Perks

  • 40K miles welcome bonus (after spending $1,000 in the first 3 months).
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Rates & Fees

Summary of Rates & Fees

  • $99 annual fee ($0 first year).
  • APR on purchases: 15.74-24.74%.
  • No foreign transaction fees.

Annual Fee: $99 ($0 for first year)

Interest Rate (“Purchase APR”): 15.74-24.74%

Cash Advance Fee: 5%

Cash Advance APR: 25.24%

Penalty APR: 29.24%

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Other Info

Date Introduced: 1996-08-28

Date Last Updated: 2022-04-14

Notes & Fine Print

Plan Fee (Fixed Finance Charge): Up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

Summary of Penalty Conditions

This APR will vary with the market based on the Prime Rate. This APR may be applied to new transactions on your account if: 1) you make one or more late payments; or 2) your payment is returned by your bank How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed.

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