CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Updated February 1, 2016 9:51 AM PT

Gold Delta SkyMiles Credit Card Review 2016: Is It Worth It?

Read more about Gold Delta SkyMiles® Credit Card from American Express, a CreditDonkey advertiser

This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You can help support CreditDonkey by reading our website and using our links. (read more)


Delta has several cards to choose from, so how do you decide which Delta credit card is right for you? Read this Gold Delta SkyMiles review before you apply.

Gold Delta SkyMiles

Overall Score

3.8

Rewards

4.0

Interest Rates

3.0

Fees

3.5

Benefits

4.5
5-point scale (the higher, the better)

Pros and Cons

  • Bonus Delta miles offer
  • One free checked bag
  • Priority boarding
  • $95 annual fee

Bottom Line

Good airline credit card for someone who travels heavily with Delta airlines

Why We Like Gold Delta SkyMiles

  • The bonus offer is beneficial and attainable: New cardholders earn 30,000 bonus miles after they make $1,000 in purchases within the first 3 months of owning the card.

    That threshold is relatively straightforward to meet. And it’ll give you a head start to racking up miles — remember, domestic roundtrip award tickets start at 25,000 miles (plus taxes and fees).

    There's more: as long as you use the card to make a purchase at least once in that first 3 months, you’ll get an additional $50 statement credit.

  • The rewards structure is simple: You get 2 miles on purchases you make with Delta and 1 mile for every eligible dollar you spend elsewhere. If you travel for business or pleasure a lot and it’s often with Delta and you plan to use this card regularly, you’ll see those miles multiply quick.

  • It makes traveling easier: The point of getting an airline card is to make traveling easier, and with this card, you get your first checked bag free on Delta flights and Priority Boarding. These are perks that take away some of the hassle of travel.

    The first checked bag fee waiver can be a significant potential money saver depending on how frequently you fly Delta and how many people you fly with. The fee waiver is available for passengers traveling in the same reservation as the card member (up to 9 waivers per reservation). For a family of 4, that is a potential savings of $200 round trip.

Opening: Why You Should Get a Delta Credit Card

Gold Delta SkyMiles Perks:
Here are reasons to opt for a Delta airline credit card over others:

  • You fly Delta a lot: Whether it’s for work or pleasure or because you’re always going to the same place where Delta is the airline to fly, if this is your go-to airline, then this is a card you should consider.

  • You’re about to go on a trip and expect to travel more frequently: The special 30,000 bonus miles intro offer is a great way to kick off ownership of this card, but you can get those miles only if you spend $1,000 within the first three months of ownership. If you have a large purchase to make soon, that 30,000 bonus miles offer is hard to ignore.

Plus, you know the challenges of getting from one place to the other. The Gold Delta credit card helps you get your first bag checked in for free on every Delta flight and you also get priority boarding.

Related: 23 Ways to Help Meet Promotional $1,000 Spending Requirement

To learn more about the Delta SkyMiles credit card, including the online application, here is a link to American Express' secure website.

Mile Rewards

When you make a purchase with the Gold Delta SkyMiles card, you earn miles on your account. Delta purchases earn 2 miles per dollar spent (other purchases earns 1 mile per dollar). You can redeem a round trip domestic flight for as little as 25,000 miles. Visit Delta's Mileage Chart and start dreaming of your next vacation.

Your miles can also be redeemed for discounts on Delta airfare through Pay with Miles. The miles required depends on the price of the ticket. On airfares greater than $100, generally speaking, 10,000 miles gets you a $100 discount.

Airline Partners: Want to go somewhere Delta doesn't take you? You can use your miles to book a flight on a SkyTeam airline partner and other SkyMiles partners. This include airlines such as:

  • Compass Airlines
  • Endeavor Air
  • ExpressJet Airlines
  • Gojet Airlines
  • Shuttle America
  • SkyWest
  • Aeroflot
  • Aerolineas Argentinas
  • Aeromexico
  • AirEuropa
  • Air France
  • Air Tahiti Nui
  • Alaska Airlines
  • Alitalia
  • China Airlines
  • China Eastern
  • China Southern
  • Czech Airlines
  • Garuda Indonesia
  • GOL
  • Great Lakes
  • Hawaiian Airlines (limited to inter-Hawaiian Islands itineraries)
  • Kenya Airways
  • KLM Royal Dutch Airlines
  • Korean Air
  • Middle East Airlines
  • Saudia Airlines
  • Tarom Airlines
  • Vietnam Airlines
  • Virgin Atlantic
  • Virgin Australia
  • Xiamen Airlines

Travel Benefits

© Jimmy Baikovicius (CC BY-SA 2.0) via Flickr

The Gold Delta SkyMiles card lets you enjoy a number of perks while traveling with Delta airlines. For starters, you’ll get to check your first bag for free on Delta flights. This bonus applies for up to 9 travelers on your reservation, the savings will be significant if you travel with a large group.

When you book a Delta flight with this card, you also automatically receive Priority Boarding for your flight, even if you don’t have status with Delta. This can be useful on packed flights, especially with many passengers looking for space for carry-on bags.

Travel Insurance

Cardholders have access to insurance against car rental loss or damage and travel accidents. Frequent travelers will find these perks especially valuable.

Other Perks

In addition to the two types of travel insurance mentioned above, Gold Delta SkyMiles cardholders enjoy extended warranties on eligible purchases and 24 hour roadside assistance.

WHY YOU MIGHT WANT TO LOOK ELSEWHERE

There are a few reasons the Gold Delta SkyMiles card may not be the way to go:

  • It restricts you to Delta: If Delta is not your favorite airline or the flights you take rarely involve the airline, then you may want a more general travel credit card.

  • You don't earn Medallion Qualification Miles (MQMs). Unlike it's higher annual fee siblings, the Gold Delta SkyMiles does not have the opportunity to earn Medallion Qualification Miles.

  • Interest rate: There's no introductory APR on purchases or balance transfers. If you tend to carry a balance, consider a credit card with a low interest rate instead.

  • The annual fee: The $95 annual fee is competitive for an airline travel card, and it’s waived for the first year, but it is an expense you should consider before signing up.

How It Compares

Starwood Preferred Guest Starwood Preferred Guest Credit Card from American Express: If you do not make purchases directly with Delta and you do not care about priority boarding or the ability to check your first bag for free, then you might want to take a look at the Starwood Preferred Guest (SPG) credit card.

Instead of earning Delta SkyMiles with your credit card spend, you'll earn Starpoints. You can convert Starpoints to Delta SkyMiles at a 1:1 ratio.

But here is where it gets interesting: SPG will add 5,000 bonus Starpoints for every 20,000 Starpoints you transfer at a time. That's the equivalent of earning 1.25 miles on your purchases if you transfer your Starpoints into miles. To learn more, read our AMEX SPG Review.

 

Gold Delta SkyMiles

Starwood Preferred Guest

 

Interest Rates and Fees

Purchase APR15.49% to 19.49% Variable based on your creditworthiness and other factors15.49% to 19.49% variable based on your creditworthiness and other factors
Balance Transfers APR15.49% to 19.49% Variable based on your creditworthiness and other factors15.49% to 19.49% variable based on your creditworthiness and other factors
Annual Fee$0 intro annual fee for the first year, then $95$0 introductory annual fee for the first year, then $95
See Rates & FeesSee Rates & Fees
 

Benefits and Features

Airline DealIntroductory Bonus Airline Rewards: Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
 
Hotel Deal Introductory Bonus Hotel Rewards: Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
AirlineAirline Rewards: Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.Airline Rewards: Transfer Starpoints to more than 30 airline frequent flyer programs, mostly on a one-to-one basis.
Redeem Starpoints® for free flights with SPG Flights with no blackout dates.
Hotel Hotel Rewards: Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
Travel 
Bonus Airline Rewards Bonus Airline Rewards: Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
Airline StatusAirline Status: Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
Settle in sooner with Priority Boarding.
 
Hotel Status Hotel Status: Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year. Receive credit for 5 nights toward SPG elite status each year.
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include Alaska Airlines, American Airlines, Delta Air Lines, Hawaiian Airlines and more.

American Express Platinum The Platinum Card from American Express: Does a $450 annual fee scare you? For some travelers, the Platinum Card might be worth considering. Instead of the Gold Delta SkyMiles's first checked bag free, you get a $200 Airline Fee Credit to cover up to $200 a year in baggage fees and more at one selected qualifying airline. You also get Airport Club Access which allows you to access three airport lounge networks including Delta Sky Club lounges. Plus, you can enroll in Priority Pass Select for access to over 600 participating airport lounges worldwide.

But there's more: you get complimentary SPG Gold status (requires enrollment) and complimentary Hilton HHonors Gold status (requires enrollment).

There's a catch: the Platinum Card is a charge card, not a credit card. That means you have to pay in full each month.

Here is how the two cards look side-by-side:

 

Gold Delta SkyMiles

American Express Platinum

Annual Fee$0 intro annual fee for the first year, then $95$450 annual fee
See Rates & FeesSee Rates & Fees
Airline DealIntroductory Bonus Airline Rewards: Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
 
Points Deal Introductory Bonus Reward Points: Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.
AirlineAirline Rewards: Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
Hotel 
Points Point Rewards: Earn 1 point for virtually every dollar spent.
Travel 
Airline StatusAirline Status: Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
Settle in sooner with Priority Boarding.
Airline Status: Up to a $200 Airline Fee Credit Annually. To receive the statement credit, you need to select a qualifying airline.
Airport Club Access gives you access to three airport lounge networks including participating Delta Sky Club® lounges and Priority Pass(TM) Select. When you enroll in Priority Pass(TM) Select, you can access over 600 participating airport lounges worldwide - no matter what class or airline you fly.
Hotel Status Hotel Status: Enroll in complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
New! Enroll to enjoy the benefits of complimentary Hilton HHonors(TM) Gold Status.
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include Delta Air Lines, Frontier Airlines, Hawaiian Airlines, JetBlue, Virgin America and more.

In our opinion, the Platinum Card is a better fit for those looking for travel benefits over travel rewards.

Gold Delta SkyMiles Business Credit Card Gold Delta SkyMiles Business Credit Card: Small business owners may prefer the business version of the Gold Delta SkyMiles. The two cards are similar in terms of annual fee and rewards structure. You still get to check your first bag for free and priority boarding.

So why would you choose the business version instead? Because the business version has access to the OPEN Savings program. This perk gives you a statement credit equal to a 5% discount at OPEN partners such as FedEx and Hertz (terms and limitations apply).

Bottom Line

© Sarah_Ackerman (CC BY 2.0) via Flickr

In our opinion, the Gold Delta SkyMiles is a good airline credit card for someone who likes to fly with Delta Air Lines. Remember, as with all credit card offers, terms and limitations apply.

Next Step: View the issuer's official application, terms, and details

Share this on Facebook or Twitter

Follow @CreditDonkey or write to David R at davidr@creditdonkey.com
David R is a contributing writer at CreditDonkey, a credit card comparison and financial education website. Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on May 2, 2012. This content may have been updated on February 1, 2016. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check American Express website for updated information.

More Articles in Reviews

Gold Delta SkyMiles Credit Card from American Express
Apply for Gold Delta SkyMiles Credit Card from American Express
At American Express' Secure Site
  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.
  • See Rates & Fees
  • Go to issuer's official application, terms, and details
Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
NoneNone
15.49% - 19.49% Variable
$0 intro annual fee for the first year, then $95

Compare Gold Delta SkyMiles to:

Chase Sapphire Preferred Card
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Travel and shop with confidence with premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • Introductory Annual Fee of $0 the first year, then $95
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.24% - 23.24% Variable
Introductory Annual Fee of $0 the first year, then $95

What do you think about Gold Delta SkyMiles Credit Card Review 2016: Is It Worth It?

Name (required)
Email (required; won't be published)
Website (optional)

Amex EveryDay Review

If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the EveryDay Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet.

    Beginner's Guide to Airline Miles and Points

    For deal hounds, frequent flyer miles are super fun. All the work that goes into understanding and accumulating them pays off in the form of flights and hotel rooms, and the right to boast about how you made it all possible.

    Credit Card Deals

    Signing up for a card with a sign-up bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    Airline Rewards

    Want a generous deal? Do you spend over $1,334 per month on your credit card? If so, check out the Chase Sapphire Preferred Card . If you make $4,000 in purchases during the first three months from opening your account, you'll earn 50,000 bonus points ( worth $625 in travel rewards when you redeem through Chase Ultimate Rewards). There is a $95 annual fee ($0 introductory annual fee for the 1st year).

    Hot Deals: Latest Credit Card Offers

    Signing up for a new credit card is easy. Choosing the right one - the one that fits your spending habits - is the challenge. The experts at CreditDonkey are here to help you find the right choice, starting with the best deals from our partners.

    Travel Rewards

    Looking for a new travel credit card?

    Credit Card Deals: 7 for People with Excellent Credit

    If you have excellent credit, now is the time to take advantage of it.
    Credit Card Promotions

    American Express Credit Card Offers

    American Express now offer deals for new credit card applicants. But how do you pick which promotion is right for you? Read this in-depth 2016 guide.

    5 Credit Cards with Annual Fees Under $100

    In my early 20s, the last thing I wanted to do was to pay an annual fee. For anything.

    Alaska Airlines Credit Card Review

    The Alaska Airlines Visa Signature credit card is an airline miles card with a nice annual perk: a single super-low cost companion fare from $121. Read on to see if the card is worth the $75 annual fee.

    Frontier Airlines Credit Card Review

    Are you a frequent Frontier Airlines traveler? If so, you may have heard about the Frontier Airlines World MasterCard and may be wondering if it’s a good way to earn free flights.

    Spirit Airlines Credit Card Review

    Could you get even better deals on your Spirit Airlines flight by owning the Spirit Airlines World MasterCard? Read on to see if the card is worth the $59 annual fee.

    Hawaiian Airlines Credit Card Review

    The Hawaiian Airlines credit card has an impressive set of benefits, including a yearly $100 discount on a companion fare, free 1st checked bag on Hawaiian Airlines flights, and 5,000 bonus miles each year you spend over $10,000 on the card. Read on to see if it is worth the $89 annual fee.
More Articles in Reviews

Learn more about Airline, $0 Fraud Liability and Smart Chip cards:

Airline Miles for Beginners

Infographics: Credit Card Dispute Process

Dispute Credit Card Charge


Beginner's Guide to Chip Credit Cards








About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.