American Express
Delta SkyMiles Gold
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Card review
Delta SkyMiles Gold
American Express
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$150
Welcome bonus
60,000 pts welcome offer
Est. net value
$724/yr
Credit score
Good
Top earn rate
2% travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Delta SkyMiles Gold from American Express carries a $150 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $363.60 in rewards plus $510.00 in credits and perks — $723.60 net per year before welcome bonuses.
How the points work
2x Delta purchases, 2x dining, 2x supermarkets, 1x else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelFlights | 2% |
| DiningDining | 2% |
| GroceriesGroceries | 2% |
| TravelTravel | 1% |
| TravelHotels | 1% |
| GasGas & Transit | 1% |
| EntertainmentStreaming | 1% |
| Everything elseShopping | 1% |
| Everything elseOther | 1% |
Welcome offer
60,000 points
- Spend $3,000 in 180 days
- Est. value: $720 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Delta Flight Credit$200/yr
$200 Delta flight credit after $10k spend in calendar year
- Resy Credit$240/yr
$20/mo at U.S. Resy restaurants
Benefits & perks
- Free Checked Bag$70/yr
First checked bag free on Delta flights for you and up to 8 companions.
- Priority Boarding
Priority boarding (Zone 5) on Delta flights.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$150
- Stated credits
- +$440
- Perks (est.)
- +$70
- Net after credits & perks
- $360
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
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Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- We flag 670+ as a typical starting point — issuer approval depends on your full profile.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $150 per year.