Is the Delta Gold Amex annual payment price it?

As a factors and miles fanatic, I’ve over 10 playing cards from 4 issuers. Many of those playing cards have annual charges, and yearly, a number of days earlier than that annual payment posts to my account, I’ve to resolve if that card is price it or if I ought to downgrade it.

Even when the cardboard fees a low annual payment, you continue to have to get extra worth from the cardboard’s advantages than the price of the annual payment. This may be an particularly powerful determination for these with cobranded airline playing cards.

So, is the entry-level Delta SkyMiles® Gold American Categorical Card’s $150 annual payment ($0 introductory annual payment the primary yr; see charges and costs) price it? Let’s soar into it.

Welcome provide

The Delta SkyMiles Gold card provides 70,000 bonus SkyMiles after you spend $3,000 throughout the first six months of card membership. TPG values Delta SkyMiles at 1.2 cents per mile, which makes this provide price $840. This provide ends March 27.


Notice you can’t get this welcome provide if upgrading or downgrading from different SkyMiles Amex playing cards. When you’re trying to improve or downgrade, it’s best to verify your Amex account and see if it has any provides so that you can improve or downgrade.

Associated: The most effective time to use for these common American Categorical playing cards primarily based on provide historical past

Incomes charges

With the Delta Gold, cardmembers are restricted to solely incomes Delta SkyMiles. This card earns 2 miles per greenback on all Delta purchases and at eating places and U.S. supermarkets. It earns 1 mile per greenback on all different purchases. This can be a 2.4% and 1.2% return on spending, respectively.


There are a lot of different playing cards with increased returns on spending, even throughout the Delta Amex vary, however when you’re searching for a card in SkyMiles household with a low annual payment, it is a affordable possibility.

Associated: The most effective airline bank cards

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Flight credit score

With this card, you may obtain a $200 Delta flight credit score after spending $10,000 or extra on qualifying purchases in a calendar yr. This can be a very great amount to spend for what would internet you solely $120-$240 in worth in SkyMiles, relying on which class you are spending in.

When you spend giant quantities with Delta, this may be an added perk, however there are higher playing cards that earn extra, such because the American Categorical® Gold card, which earns 3 Membership Rewards factors per greenback on flights. Since Delta is a switch companion of Amex, you’ll be able to then take these (extra precious) Membership Rewards factors and switch them to Delta.


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Award flight low cost

Delta Gold cardmembers obtain 15% off the price of all award flights operated by Delta (however not companion airways.) This is called the TakeOff 15 profit and is my favourite perk of this card.


The great factor about this 15% off an award flight is that it’s legitimate on all cabins. I’ve used this card perk many instances to take 15% off last-minute transcontinental flights and flights to Central America.

Associated: use and maximize Delta’s TakeOff 15 function to avoid wasting on Delta award tickets

Delta journey perks

Free checked bag

With the Delta Gold card, the cardmember and as much as eight individuals of their celebration on the identical reservation get their first checked bag free. This advantage of the cardboard nets me nice worth as I’m a persistent overpacker.

Final yr, I checked a bag eight instances with Delta. Provided that it normally prices $30 to verify a bag, I might have paid $240 in baggage charges, simply protecting the annual payment.


Associated: I at all times verify a bag — and I am proud to confess it

Precedence boarding

The Delta Gold card comes with precedence boarding. Precedence boarding is an effective way to make sure there’s sufficient overhead bin area on your carry-on bag. However do not get too excited with precedence boarding; when you maintain this card, you board behind Sky Precedence in Primary Cabin 1. That is Group 7 out of 10 in Delta’s boarding order.

Associated: Delta now provides ‘precedence boarding’ at Sky Golf equipment to skip the wait

20% inflight low cost

Cardmembers additionally obtain 20% again as a press release credit score on prepurchased meals and inflight purchases of meals and drinks.

Delta Stays credit score

A brand new perk Delta added to playing cards this yr is the Delta Stays credit score. Delta Gold cardmembers obtain as much as a $100 assertion credit score for Delta Stays reservations yearly. That is a web-based journey company powered by Expedia that you need to use to e-book motels and trip leases. That is primarily a free night time if yow will discover a room below $100 — however that could be tough to attain.

Associated: Delta Holidays enhances incomes charges and redemption worth for SkyMiles members

Backside line

The Delta Gold card is an entry-level bank card within the SkyMiles Amex household that cardmembers can obtain outsize worth from in the event that they make the most of the free checked bag, the inflight reductions and Delta Stays credit score.

The perk of 15% off award flights is a stable profit and might make notoriously devalued SkyMiles go barely additional.

When you do not fly Delta a minimum of twice a yr or verify baggage if you fly Delta, it’s tough to justify the $150 annual payment (see charges and costs), and also you would possibly wish to contemplate the no-annual-fee Delta SkyMiles® Blue American Categorical Card (see charges and costs) as an alternative.

To be taught extra, learn our full assessment of the Delta Gold Amex card.

Apply right here: Delta SkyMiles Gold

For charges and costs of the Delta SkyMiles Gold, click on right here.
For charges and costs of the Delta SkyMiles Blue, click on right here.

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