Delta SkyMiles Gold
American Express$0 first year (then $150)No foreign transaction feeIssuer's page
Already have it? Keep it.
Welcome bonus
Up to80,000miles+ $250
after $3,000 in purchases in the first 6 months
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
At the advertised maximum.
| First-year value | Amount |
|---|---|
| Welcome bonus (up to)80,000 points at 1.1¢ + $250 cash | $1,130 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$19 |
| Credits you'll likely useof $220 face value | +$141 |
| Delta FlightRequires $10,000/year in spend | +$110 |
| Annual fee$0 the first year, then $150 | $0 |
| Meeting the $3,000 minimumearns 1.1% here vs 2% on Double Cash | −$27 |
| First year at the advertised maximum | $1,373 |
| Each year after | +$330 |
Not counted in the first year: other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | US Supermarkets | 2.2% |
| 2X | Dining | 2.2% |
| 2X | Delta purchases | 2.2% |
| 1X | Everything else | 1.1% |
Noteworthy perks
- Delta FlightRequires $10,000/year in spend$200 a year
- Rideshare$120 a year
- first checked bag free for cardholder and up to 8 companions on the same reservation
Personal card · Earns Delta SkyMiles
Benefits
Credits & Perks (3)
- Rideshare: $10 (Monthly)
Up to $10 per month in statement credits for purchases with select rideshare service providers, starting one year from card opening.
- Delta Flight: $200 (Annual Calendar Year)
Delta eCredit after spending $10,000 in purchases in a calendar year. Issued within 6-8 weeks and available in Delta Wallet
- Delta Stays: $100 (Annual Cardmember Year)
Statement credit for prepaid hotels or vacation rentals through Delta Stays per year
Protections (4)
- Baggage Insurance, up to $1,250, Coverage for carry-on baggage up to $1,250 and checked baggage up to $500 per covered person, in excess of common carrier coverage
- Purchase Protection, up to $1,000, 90 days coverage for theft/damage, up to $1,000 per occurrence, $50,000 per calendar year
- Extended Warranty, up to $10,000, Extends manufacturer warranty by up to 1 additional year on warranties of 5 years or less, up to $10,000 per item, $50,000 per calendar year
- Car Rental Insurance (secondary), Secondary coverage for rental car damage or theft up to $50,000. Must reserve and pay full rental cost with card and decline CDW.
Other Perks
- 15% off award flights booked with miles
- Zone 5 priority boarding
- First checked bag free for cardholder and up to 8 companions on the same reservation
- 20% back on eligible in-flight food and beverage purchases as statement credit
- Global Assist Hotline for emergency coordination and assistance when traveling 100+ miles from home
The Delta SkyMiles Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from Apply and find out your welcome offer: As high as 80K bonus miles + earn a $250 statement credit after you spend $3K in purchases on your new card within the first 6 months of card membership. You may not be eligible for the maximum welcome offer amount.. Terms apply. Rates & Fees(Offer Expires 11/4/2026), $0 introductory annual fee for the first year, then $150 to Apply and find out your welcome offer: As high as 80K bonus miles + earn a $250 statement credit after you spend $3K in purchases on your new card within the first 6 months of card membership. You may not be eligible for the maximum welcome offer amount. Terms apply. (Offer Expires 11/4/2026), $0 introductory annual fee for the first year, then $150Oct 11, 2026
- changed from null to Delta GoldOct 8, 2026
- changed from null to 0Oct 2, 2026
- changed from null to creditSep 2, 2026
- changed from You may be eligible for as high as 80K Bonus Miles after you spend $2K in eligible purchases on your new Card in your first 6 months of Card Membership. Terms apply. Rates & Fees, $0 introductory annual fee for the first year, then $150 to Apply and find out your welcome offer: As high as 80K bonus miles + earn a $250 statement credit after you spend $3K in purchases on your new card within the first 6 months of card membership. You may not be eligible for the maximum welcome offer amount.. Terms apply. Rates & Fees(Offer Expires 11/4/2026), $0 introductory annual fee for the first year, then $150Aug 27, 2026
- changed from 2000 to 3000Aug 27, 2026
- changed from null to 2026-11-04Aug 27, 2026
- changed from null to 2000Aug 13, 2026
- changed from null to 180Aug 13, 2026