American Express · Personal card
Delta SkyMiles Gold Card
The Delta SkyMiles Gold Card has a $150 annual fee and up to $350 a year in statement credits, across two credits, plus one that needs spending first. One of the three Delta Gold credits needs a one-time enrollment before any spending counts, and American Express will not apply it retroactively.
- Annual fee
- $150
- Charged on your account anniversary
- Credits a year
- Up to $350
- 2 statement credits, used in full
- Need enrollment
- 1 of 3
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| American Express Venue Collection creditEnroll firstAdd the offer to the card before buying.$250 a year. On January 1 | $250 a year | On January 1 | $250 |
| Delta Stays credit$100 a year. On January 1 | $100 a year | On January 1 | $100 |
| Delta flight credit$200 a year. On January 1 | $200 a year | On January 1 | Not countedOnly after $10,000 of spending, so not in the total |
| Total a year, if you use every credit | $350 |
What people get wrong
- Enrollment comes first. One benefit needs a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply a credit retroactively.
- Some credits need spending first. Those are listed above but left out of the total, because you don't get them by default.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Delta Gold
What is the annual fee on the Delta SkyMiles Gold Card?
$150 a year, charged each year on your account anniversary.
How much are the Delta Gold credits worth?
Up to $350 a year if you use all two statement credits in full. The largest: American Express Venue Collection credit ($250) and Delta Stays credit ($100).
Which Delta Gold benefits need enrollment?
One of the three: American Express Venue Collection credit. Enroll before you spend, because American Express will not apply a credit retroactively.
When do the Delta Gold credits reset?
Yearly credits reset on January 1. Unused credit does not roll over.
Is the Delta Gold worth the $150 fee?
On credits alone, only if you use at least 43% of them. They add up to $350 a year against the $150 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the Delta Gold earn?
Delta SkyMiles points, worth about 1.15 cents each in a typical redemption.
