Delta SkyMiles Gold American Express Card by American Express: 2x dining & restaurants, 2x flights / airfare, 2x groceries / supermarkets, 1x everything…
The Delta SkyMiles Gold American Express Card is American Express's mid-tier credit card. The $150/yr annual fee includes a 90,000-point welcome bonus after spending $5,000 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Rideshare credit | $120/mo | Up to $10/mo back on eligible U.S. rideshare purchases with select providers ($120/yr); enrollment required. Added for Gold Card Members June 2026. |
| Delta Stays credit | $100/yr | Up to $100/yr in statement credits toward a Delta Stays prepaid hotel or vacation rental booking |
| Delta Flight Credit (after $10K calendar-year spend) | $200/yr | A $200 Delta Flight Credit toward future Delta travel after you spend $10,000 in purchases on the Card in a calendar year. Resets each calendar year; the $10,000 spend threshold must be re-hit annually to re-earn it. |
Welcome bonus value (year one): ~$1080. Annual statement credits: $420. Minus the $150 annual fee = ~$1350 in year-one net value before any spending earn. RewardsGuru rating: 4.2/5 — based on our net-value methodology.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
90,000 points after spending $5,000 in the first 6 months. At our ~1.2¢/pt valuation, that's roughly $1080 in real value.
Year-one math: welcome bonus value (~$1080) + annual credits ($420) − $150 fee = ~$1350 net before spending earn. Year-two onward, the credits alone need to clear $150 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
3 recurring statement credits: Rideshare credit ($120/mo), Delta Stays credit ($100/yr), Delta Flight Credit (after $10K calendar-year spend) ($200/yr). Total: $420/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. American Express's product page has the current rate.