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Delta SkyMiles Gold American Express Card card art
American Express · delta

Delta SkyMiles Gold American Express Card

4.2 / 5
Delta SkyMiles · Personal card

The two-free-bags change in 2026 made this an easy call for Delta households. Earning rates are modest, so pair it with a stronger everyday card.

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At a glance

Issuer terms
Welcome bonus
90,000 miles
Spend $5,000 in 6 months
Annual fee
$150 (waived first year)
Waived first year
Purchase APR
20.99% to 29.99%
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

The two-free-bags change in 2026 made this an easy call for Delta households. Earning rates are modest, so pair it with a stronger everyday card.

Verdict

Pros & cons

Pros

  • First and second checked bags free on Delta
  • First year fee waived
  • 15% off award flights
  • No foreign transaction fee

Cons

  • 2x categories are narrow and SkyMiles run cheap
  • No lounge access
  • Almost no travel protections
Earnings

Earn rates

CategoryRateNotes
Delta purchases2x miles
Restaurants2x milesWorldwide, including US takeout and delivery.
US supermarkets2x miles
All other purchases1x miles
Benefits

Key benefits

Two free checked bags

First and second checked bags free on Delta for you and up to 8 companions, with the second bag added in 2026.

$200 Delta Flight Credit

After $10,000 in purchases in a calendar year.

TakeOff 15

15% off Delta award flight pricing.

Fit

Who this is best for

  • Delta flyers who check bags
  • Families flying Delta together
  • Casual SkyMiles collectors
FAQ

Frequently asked questions

What is the Delta Gold welcome bonus?
Earn 70,000 bonus miles after spending $3,000, plus 20,000 more after spending $5,000 total, all in the first 6 months. Offer ends July 15, 2026.
Does the Delta Gold charge an annual fee?
Yes. The annual fee is $150, waived for the first year.
Does the Delta Gold have a foreign transaction fee?
No. The Delta Gold charges no foreign transaction fee, so it works well for international purchases.
What APR does the Delta Gold charge?
The purchase APR is 20.99% to 29.99% variable.
Who is the Delta Gold best for?
Delta flyers who check bags. Families flying Delta together. Casual SkyMiles collectors.
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Delta SkyMiles Gold American Express Card

Spend $5,000 in 6 months
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Rates accurate as of June 10, 2026. Issuer terms.