American Express
Delta SkyMiles Gold
Annual Fee
$150
Sign-up Bonus
70,000 pts
Card data last reviewed 2026-10-27
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- Credits worth about $118/yr at typical usage offset 79% of the fee
- Non-bonus spending earns only 1x
Is the $150 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$268/yr
$418 rewards - $150 fee
#67 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$390/yr
$492 rewards + $48 credits - $150 fee
#61 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$484/yr
$516 rewards + $118 credits - $150 fee
#67 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
2x
Grocery
2x
Gas
1x
Flights
2x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.2 cents per point
The Fine Print That Changes the Math
2x on Delta purchases, at restaurants worldwide (plus U.S. takeout and delivery) and at U.S. supermarkets; 1x on everything else. $0 intro annual fee the first year, then $150. First checked bag free on Delta flights, plus a second bag on Delta domestic flights for the cardmember. 20% back on Delta inflight purchases. Credits: up to $100 a year on Delta Stays, up to $120 a year in rideshare after the first renewal, and a $200 Delta Flight Credit after $10,000 in calendar-year spend.
Benefits & Credits
Delta Stays hotel credit$100
We count this at 30% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Up to $100 in statement credits per calendar year on new prepaid hotel or vacation rental bookings made through Delta Stays on delta.com.
Rideshare ($10/mo, after first card renewal)$120
We count this at 40% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Up to $10 a month on U.S. rideshare with Uber, Lyft, Curb or Alto. Enrollment required, and enrollment opens 12 months after account opening, so a new account gets nothing from it in year one.
$200 Delta Flight Credit (after $10K spend)$200
We count this at 20% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
A $200 Delta eCredit after $10,000 in purchases in a calendar year, toward Delta ticket purchases; expires one year after issue. Conditional on spend, so the default is low.
Delta SkyMiles Gold FAQ
What is the Delta SkyMiles Gold annual fee?
The Delta SkyMiles Gold has a $150 annual fee. Statement credits worth about $118/yr at typical usage reduce the effective cost.
What is the Delta SkyMiles Gold signup bonus?
70,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Delta SkyMiles Gold?
2x on flights, 2x on dining, 2x on fast food. Everything else earns 1x.
Is the Delta SkyMiles Gold worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $268/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Delta SkyMiles Gold Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Sources & Verification
Card data last reviewed 2026-10-27.
- https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
- https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-gold-american-express-card/28310-10-0
- https://www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards
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