Credit card review
Delta SkyMiles Gold American Express Card Review
American ExpressAmexTravel
Delta SkyMiles Gold American Express Card earned 4.2 / 5 in our 2026 review. The Delta SkyMiles Gold American Express Card earns 2x on delta purchases with a $150 annual fee, a 50,000 bonus miles welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-29
TL;DR
Annual fee
$150
Signup bonus
$600
Top reward rate
2x on delta purchases
Intro APR
None
Issuer
American Express
Network
Amex
Min credit score
690
Fintiex rating
4.2 / 5
Pros
- +First checked bag free for you and up to 8 companions on same reservation (saves up to $360 per round trip)
- +2x miles on Delta purchases, restaurants, and U.S. supermarkets
- +$100 Delta flight credit after spending $10,000 in a calendar year
- +Annual fee waived first year
- +20% back as statement credit on in-flight Delta purchases
- +Priority boarding (Main Cabin 1)
- +No foreign transaction fees
- +Companion certificate toward a domestic flight annually (after $10,000 spend)
Cons
- -$150 annual fee after first year
- -Miles tied to Delta SkyMiles ecosystem
- -No Delta Sky Club access
- -Companion certificate requires $10,000 annual spend plus taxes and fees
- -Not accepted everywhere Visa/Mastercard are
Rewards detail
delta purchases
2x
dining
2x
groceries
2x
everything else
1x
Rates and fees
Annual fee
$150
Purchase APR
20.99% to 29.99%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
20.99% to 29.99%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for
The Delta SkyMiles Gold American Express Card is built for people who want a travel card. Most approvals land at FICO 690 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best travel cards roundup.
Compare with similar cards
Frequently asked questions
Does the Delta SkyMiles Gold American Express Card have a foreign transaction fee?
No. The Delta SkyMiles Gold American Express Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Delta SkyMiles Gold American Express Card?
Approvals typically start around a FICO score of 690, but American Express prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Delta SkyMiles Gold American Express Card signup bonus?
New cardholders earn 50,000 bonus miles after spending $2,000 in the first few months. Fintiex values that at about $600 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Delta SkyMiles Gold American Express Card have a 0% intro APR offer?
No. The Delta SkyMiles Gold American Express Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 20.99% to 29.99%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Delta SkyMiles Gold American Express Card?
$150 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Delta SkyMiles Gold American Express Card worth it?
Fintiex rates the Delta SkyMiles Gold American Express Card 4.2 out of 5 for 2026. It is best for travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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