Delta SkyMiles Personal Card is offering 80,000 points after spending $3000 in 6 months with a $0 for first year ,then $150 annual fee.. That's up 30,000 points over their standard offer of 50,000 points after spending $2000 in 6 months. Offer expires 04/02/2025
Delta SkyMiles Gold Credit Card Review
Key Takeaways
The Delta SkyMiles Gold card has a $150 annual fee that’s waived the first year. This is the primary reason to choose it over Delta’s Platinum or Reserve cards, which generally offer higher overall value. If you plan to fly Delta only once in the next year, will be traveling alone, and want to avoid an annual fee, the Gold card can be a good option. However, if you fly Delta more than once a year or often travel with a companion, the companion certificate and other perks of the Platinum or Reserve cards typically make one of those choices more valuable.
Why This Card Could Be Right For You
If you fly Delta only once a year, this card might be a decent option. However, if you travel with a companion or fly Delta more frequently, the Reserve or Platinum cards are likely to offer more value despite their higher annual fees.
- The Gold card offers a 50,000-mile sign-up bonus after spending $2,000 in the first six months, making it an easy way to earn Delta miles for free flights.
- American Express allows only one sign-up bonus per card per lifetime, and the bonus for this card can go as high as 80,000 miles. If you’re not in a rush to collect Delta miles, you might wait for a higher offer.
- The advertised $200 flight credit requires $10,000 in annual spending, which may not appeal to everyone.
You receive $100 in Delta Stay credits annually, which helps offset the $150 annual fee (starting in the second year). Other perks include:
- 15% discount on award travel
- 20% off in-flight purchases
- Zone 5 priority boarding
- One free checked bag
- $50 off flights (per 5,000 miles redeemed) when you use Pay with Miles
When The Usual Advice Doesn't Apply
This card may not be ideal if:
- You plan to fly Delta only this year and have no loyalty to the airline afterward. Once the first-year fee waiver ends, the card’s limited benefits may not justify the $150 annual fee.
- You regularly fly Delta and would gain more from the better perks offered by the Platinum or Reserve cards.
- You’d prefer to wait for an elevated sign-up bonus (it has gone up to 90,000 points in the past).
What to Know About Delta SkyMiles
Delta is a good point system for both domestic and international flights.
- Delta offers many cards making initial collection relatively easy. But Amex’s “one bonus per card per lifetime” limits that ability over time.
- Delta is part of the Amex partner reward system and is a decent transfer value.
- We save Delta points for specific flights, perhaps direct domestic or best value international.
- We use easier-to-collect point systems such as Southwest and American ahead of Delta.
How The Delta SkyMiles Gold Credit Card Fits In The Delta SkyMiles Ecosystem
Delta SkyMiles Gold is the second-lowest tier card in the Delta lineup. While its annual fee is waived the first year, the lack of a companion certificate makes it less valuable than the Platinum or Reserve options. Although those cards have higher annual fees ($350 for Platinum and $650 for Reserve), they also include benefits that often justify those costs.
In our view, the Gold card is best if you know you’ll only fly Delta in the coming year and want an easy way to earn a healthy sign-up bonus with minimal spending. If you want to avoid annual fees entirely, you could consider the Delta SkyMiles Blue card, but it typically offers only a 10,000-mile bonus and few notable benefits.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 50,000 | $2,000 | 1.2 ¢ | $0 | $0 |
$624
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| International Delta Flights | Free checked bag, priority boarding | Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10 |
Spend Categories
Airfare - »
2X points
2.4¢ Per Dollar Spent
All Other - »
1X points
1.2¢ Per Dollar Spent
Grocery Stores = »
2X points
2.4¢ Per Dollar Spent
Restaurants = »
2X points
2.4¢ Per Dollar Spent
Card Benefits
Preferred Boarding »
Get zone 1 priority boarding for up to 9 travelers on the same Delta reservation.
Get zone 1 priority boarding for up to 9 travelers on the same Delta reservation.
Airline Incidentals »
20% Back on In-Flight Purchases
20% Back on In-Flight Purchases
Car Rental Insurance »
Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.
Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Statement Credits »
$200 Delta Flight Credit towards travelling after you spend $10,000 in eligible purchases on your Card in a calendar year. Also get up to up to $150 to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
$200 Delta Flight Credit towards travelling after you spend $10,000 in eligible purchases on your Card in a calendar year. Also get up to up to $150 to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Free Checked Bag »
Your first checked bag is free on Delta flights, including up to 9 travel companions on the same reservation. Primary cardholder must be on the reservation.
Your first checked bag is free on Delta flights, including up to 9 travel companions on the same reservation. Primary cardholder must be on the reservation.
Purchase Protection »
You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).
You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes - $$
Travel Partner Transfers
Outside Point System Delta SkyMiles
Transfers In From
Amex Member Rewards
1:1 86% value retained
IHG Rewards
5:1 40% value retained
Marriott Bonvoy
3:1 57% value retained
World of Hyatt
5:2 30% value retained
Delta SkyMiles Gold Application Rules
Amex will decline your application if you already have 4 credit cards (not charge) and apply for a fifth
You'll be declined if you apply for a fourth Amex card in 90 days
Card approval not subject to 5-personal-cards-in-24-months rule
Amex allows only 1 bonus per specific card per lifetime (yours or that version of the card)
Ranking of Cards Offering Delta SkyMiles
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
Rank
2nd
Rank
5th
Honorable Mention
Rank
5th
Honorable Mention
Breaking Points
February 6, 2025
Delta SkyMiles Personal Card
September 12, 2024
American Express Delta Cards Making a Splash
- Delta Platinum Business - 100,000 miles after spending $8000 in 6 months, $350/annual fee.
- Delta Gold Business - 90,000 miles after spending $6000 in 6 months, $0/annual fee, then $150/annual fee.
- Delta Reserve Business - 110,000 miles after spending $12000 in 6 months, $650/annual fee.
- Delta Platinum Personal - 90,000 miles after spending $4000 in 6 months, $350/annual fee.
- Delta Gold Personal - 80,000 miles after spending $3000 in 6 months, $0/annual fee, then $150/annual fee.
- Delta Reserve - 100,000 miles after spending $6000 in 6 months, $650/annual fee.
June 14, 2024
Mini Points - July 2024
LIMITED TIME DEALS:
- IHG Traveler Chase card - 100,000 points after spending $2000 in 3 months - $0/annual fee.
- Southwest Plus Chase card - 50,000 points after spending $1000 in 3 months - $69/annual fee.
- Southwest Premier Chase card - 50,000 points after spending $1000 in 3 months - $99/annual fee.
- Southwest Priority Chase card - 50,000 points after spending $1000 in 3 months - $149/annual fee.
- Delta Platinum Business Amex card - 65,000 miles after spending $6000 in 6 months - $350/annual fee.
- Delta Reserve Business Amex card - 75,000 miles after spending $10,000 in 6 months - $650/annual fee.
- Delta Gold Business Amex card - 55,000 miles after spending $4000 in 6 months - Annual fee waived first year, then $150/annual fee.
- Delta Platinum Amex card - 50,000 miles after spending $3000 in 6 months - $350/annual fee.
- Delta Gold Amex card - 40,000 miles after spending $2000 in 6 months - Annual fee waived first year, then $150/annual fee.
- AA Executive Citi card - 70,000 miles after spending $7000 in 3 months - $595/annual fee.
February 13, 2024
Mini Points - February 2024
- IHG Mastercard, earn 165,000 points after spending $3000 in the first 3 months, $99 annual fee.
- Delta Platinum Amex Business, 100,000 points after spending $8000 in the first 6 months, $350 annual fee.
- Delta Gold Amex Business, 80,000 points after spending $6000 in the first 6 months, $0 annual fee, then $150 after first year.
- Delta Reserve Amex Business, 110,000 points after spending $12,000 in the first 6 months, $650 annual fee.
- Delta Platinum Amex, 90,000 points after spending $4000 in the first 6 months, $350 annual fee.
- Delta Gold Amex, 70,000 points after spending $3000 in the first 6 months, $150 annual fee.
- Delta Reserve Amex, 100,000 points after spending $6000 in the first 6 months, $650 annual fee.