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Is the Gold Delta SkyMiles Credit Card From American Express Right for Me?

Feb. 15, 2019
Travel, Travel Credit Cards
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  • Delta Reserve® Credit Card from American Express

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There are several Delta Air Lines credit cards to choose from, all issued by American Express.

A low annual fee, a welcome bonus and budget-friendly perks might make the Gold Delta SkyMiles® Credit Card from American Express a great choice for travelers. Here’s what you should evaluate when deciding if it’s right for you.

Is the annual fee worth it?

The Gold Delta SkyMiles® Credit Card from American Express has an introductory annual fee of $0 intro for the first year, then $95. But cardholders get one free checked bag per person for up to nine people on a reservation, which easily offsets it.

Other Delta credit cards have various perks and annual fees. For instance, the Blue Delta SkyMiles® Credit Card from American Express has an annual fee of $0.

The Delta Reserve® Credit Card from American Express has an annual fee of $450 and includes the free checked-bag perk above, lounge access and a companion certificate. Terms apply.

» Learn more: Airline credit cards that offer free checked bags

What about lounge access?

With the Gold Delta SkyMiles® Credit Card from American Express, you get access to the Delta Sky Club airport lounges for $29 per person per visit for you and a guest, or you, your domestic partner or spouse, and your kids under age 21. If you had the Delta Reserve® Credit Card from American Express, you would have free access, but you’d pay the $29 fee for guests. Terms apply

How does the welcome bonus compare to other cards?

The Gold Delta SkyMiles® Credit Card from American Express’s welcome bonus is as follows: Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months. Terms Apply.

The Blue Delta SkyMiles® Credit Card from American Express’s welcome bonus is as follows: Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership. Terms Apply.

The Delta Reserve® Credit Card from American Express’s welcome bonus is as follows: Earn 5,000 Medallion® Qualification Miles (MQMs) and 75,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 3 months. Terms Apply.

» Learn more: Which Delta Air Lines credit card should you get?

How do I earn points?

This is the category where the Gold Delta SkyMiles® Credit Card from American Express falls a little short, at least if you plan on spending money on dining on your card. While all the Delta cards earn 2 miles per $1 spent on Delta purchases and 1 mile per $1 on everything else, the Blue Delta SkyMiles® Credit Card from American Express earns 2 miles per $1 spent on dining. Terms apply.

The bottom line

The Gold Delta SkyMiles® Credit Card from American Express is a good entry card with a relatively low annual fee. The Blue Delta SkyMiles® Credit Card from American Express avoids the fee, but you could have to pay checked-bag fees each time you fly. Meanwhile, the main drawback of the Delta Reserve® Credit Card from American Express is the annual fee of $450. Terms apply.

If you don’t fly frequently enough to pay a steep annual fee and benefit from the perks of other Delta credit cards, the Gold Delta SkyMiles® Credit Card from American Express is a solid bet for trimming travel fees and earning travel rewards and perks you’ll actually use.

All information about the Delta Reserve® Credit Card from American Express has been collected independently by NerdWallet. 

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2019, including those best for:

Planning a trip? Check out these articles for more inspiration and advice:
Nerdwallet’s top travel credit cards
Delta SkyMiles: The complete guide
Delta eliminates single visit Sky Club lounge pass

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