US
American Express
Amex Delta SkyMiles Gold
AMERICAN
EXPRESS
🇺🇸 United States · American Express

Amex Delta SkyMiles Gold

Delta loyalists — free first checked bag pays for the fee with one round trip.

4.3 / 5
Joining fee
$0
Annual fee
$150
Top reward
2%
Min income

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5-year value calculator

How much Amex Delta SkyMiles Gold actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$252
Annual fee$150
Welcome bonus (year 1 only)+$2,000
Cumulative net value
+$2,510
over 5 years
Year 1
$2,102
+$2,102/yr
Year 2
$2,204
+$102/yr
Year 3
$2,306
+$102/yr
Year 4
$2,408
+$102/yr
Year 5
$2,510
+$102/yr
Year 1 (with bonus)
$2,102
Year 2+ (steady state)
$102/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

travel
2%
📈
dining
2%
📈
Everything else
1%
📈
🎁
Welcome bonus

40,000 SkyMiles after $2,000 spend in 6 months

What you get

  • 2x miles on Delta + restaurants + US supermarkets
  • $200 Delta flight credit annually
  • Free first checked bag (worth ~$60 each way)
  • Priority Boarding (Zone 5)
  • 15% miles discount on award flights

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min credit score
700+
Self-employed
Eligible