Delta SkyMiles® Gold American Express

Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category.

Madeen values Delta SkyMiles at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The Delta SkyMiles Gold American Express has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Earn 2x miles at restaurants
• Earn 2x miles at U.S. supermarkets

The Delta SkyMiles Gold American Express fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.

Delta SkyMiles Gold American Express fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 63% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.

Compare it against simpler no-fee cards if you want minimum complexity.

Best for dining-heavy spend when the $150 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The Delta SkyMiles Gold American Express has an annual fee of $150 and a foreign transaction fee of None. New applicants may see: AS HIGH AS 80,000 Bonus Miles after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.. Confirm current issuer terms before applying.

Annual fee

$150

Foreign transaction fee

None

Signup bonus

AS HIGH AS 80,000 Bonus Miles after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. First-year annual fee waived.

The Delta SkyMiles Gold American Express includes Free checked bag, $100 Delta Stays Credit, $200 Delta Flight Credit, 20% Back on In-Flight Purchases in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.

• Free checked bagFirst Checked Bag Free - Enjoy your First Checked Bag Free on Delta flights.

• $100 Delta Stays Credit

  Get up to $100 back per year as a statement credit after using your Delta Gold Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com/stays.

• $200 Delta Flight Credit

  Get a head-start on your next adventure, compliments of your Card. After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.

• 20% Back on In-Flight Purchases

  Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

• Baggage Insurance Plan

  Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier.

• Car Rental Loss and Damage Insurance

  Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

• Extended Warranty

  What if the color fades on your new flat-screen TV? Or your food processor starts rattling instead of slicing and dicing? Chances are it will happen right after the Manufacturer's Warranty runs out. Fortunately, when you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories. Please read important exclusions and restrictions.

• First checked bag free

  Enjoy your first checked bag free on Delta flights.

• Global Assist® Hotline

  Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

• $100 Delta Flight Credit - Get inspired for your next trip - after you spend $10,000 in purchases on your Card in a calendar year, receive a $100 Delta Flight Credit to use toward future travel.

Compare the Delta SkyMiles Gold American Express against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Dining

• Hilton Honors American Express AspireAmerican Express · 3.5% on dining
• Hilton Honors American Express Surpass®American Express · 3% on dining
• Hilton Honors BusinessAmerican Express · 3% on dining
• Marriott Bonvoy Bevy™ American Express®American Express · 2.8% on dining

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