# Delta SkyMiles® Gold American Express Card

> Earn up to 2x on dining and 2x on groceries. $540+ in statement credits per year. $150 annual fee.

Canonical page: https://cardstack.money/cards/delta-skymiles-gold-american-express-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: American Express
- Network: Amex
- Annual fee: $150
- Rewards program: Delta SkyMiles (https://cardstack.money/programs/delta-skymiles.md)
- Total statement credits value: $540 per year
- Net value after annual fee: +$390 per year (credits value minus fee)
- Welcome offer: Earn up to 90,000 bonus miles: 70,000 bonus miles after spending $3,000 in the first 6 months of Card Membership, plus an additional 20,000 bonus miles after spending an additional $2,000 in the first 6 months. Offer for applications approved by July 15, 2026.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 2x | Dining |  |
| 2x | Groceries |  |
| 2x | Delta flights |  |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Uber One Credit - $120/yr ($10 monthly)

Earn a statement credit for up to $9.99 each month for up to 6 consecutive months after using the card to pay for an auto-renewing Uber One monthly membership by June 25, 2026. U.S. Uber One membership and eligible Delta SkyMiles Amex terms apply.

- Resets: Monthly; sign up by June 25, 2026
- Where to redeem: Uber One monthly membership - up to $9.99/month for up to 6 consecutive months
- Details: https://cardstack.money/benefits/delta-skymiles-gold-american-express-card-uber-one-credit.md

### Delta Flight Credit - $200/yr ($200 annual)

Up to $200 in statement credits for Delta flight purchases. Credit is available after you spend $10,000 in eligible purchases on your card in a calendar year.

- Resets: Calendar year (after $10,000 spend)
- Where to redeem: Delta flights – unlocks after $10,000 card spend in calendar year
- Details: https://cardstack.money/benefits/delta-skymiles-gold-american-express-card-delta-flight-credit.md

### Delta Stays Credit - $100/yr ($100 annual)

Up to $100 per year in statement credits for prepaid hotel or vacation rental bookings through Delta Stays on delta.com.

- Resets: Calendar year
- Where to redeem: Book hotels through delta.com/stays
- Details: https://cardstack.money/benefits/delta-skymiles-gold-american-express-card-delta-stays-credit.md

### Ride-Sharing Credit - $120/yr ($10 monthly)

Up to $10 per month ($120/year) in statement credits on U.S. rideshare purchases with select providers (Uber, Lyft, Curb, Alto) when paid with the enrolled card. Available after your first Card renewal; enrollment required.

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: U.S. ride-sharing with select providers
- Details: https://cardstack.money/benefits/delta-skymiles-gold-american-express-card-ride-sharing-credit.md

## Other benefits

- **Take 15% Off Award Travel**: 15% discount when booking Delta Award Travel with miles on delta.com or the Fly Delta app; not applicable to partner-operated flights or to taxes and fees.
- **First and Second Checked Bag Free**: First checked bag free on Delta flights worldwide for you and up to 8 companions on the same reservation; complimentary second checked bag on domestic Delta-operated flights for the primary cardmember only.
- **Zone 5 Priority Boarding**: Board early on Delta-operated flights with Zone 5 Priority Boarding.
- **20% Back on In-Flight Purchases**: 20% statement credit on eligible Delta in-flight food and beverage purchases when paid with the card.
- **Pay with Miles**: Take up to $50 off the cost of a flight for every 5,000 miles redeemed when booking on delta.com.
- **Baggage Insurance Plan**: Coverage for lost, damaged, or stolen baggage when the entire fare is paid with the card; up to $1,250 for carry-on and $500 for checked baggage in excess of common-carrier coverage; New York residents: $10,000 aggregate maximum per Covered Trip.
- **Car Rental Loss and Damage Insurance (secondary)**: When you decline the rental company's collision damage waiver and pay with the card, coverage may apply for theft or damage to the rental vehicle; secondary to other insurance where applicable; terms and exclusions apply.
- **Extended Warranty Protection**: Adds up to one extra year to the manufacturer's U.S. warranty on eligible warranties of 5 years or less.
- **Purchase Protection**: Up to $1,000 per Covered Purchase for 90 days against theft or accidental damage; up to $50,000 per Card Member account per calendar year.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.
- **Welcome offer caveat**: $0 intro annual fee for the first year, then $150.


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CardStack automatically tracks the Delta SkyMiles Gold American Express Card's $540 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863