Is the Delta Gold Amex annual fee worth 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 price posts to my account, I’ve to resolve if that card is value it or if I ought to downgrade it.

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

So, is the entry-level Delta SkyMiles® Gold American Specific Card’s $150 annual price ($0 introductory annual price the primary yr; see charges and costs) value it? Let’s bounce 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 value $840. This provide ends March 27.


Observe that you would be able to’t get this welcome provide if upgrading or downgrading from different SkyMiles Amex playing cards. If you happen to’re trying to improve or downgrade, you need to examine your Amex account and see if it has any provides so that you can improve or downgrade.

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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. It is a 2.4% and 1.2% return on spending, respectively.


There are numerous different playing cards with larger returns on spending, even throughout the Delta Amex vary, however should you’re in search of a card in SkyMiles household with a low annual price, this can be a cheap possibility.

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Flight credit score

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

If you happen to spend massive quantities with Delta, this may be an added perk, however there are higher playing cards that earn extra, such because the American Specific® Gold card, which earns 3 Membership Rewards factors per greenback on flights. Since Delta is a switch companion of Amex, you may then take these (extra worthwhile) 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 occasions to take 15% off last-minute transcontinental flights and flights to Central America.

Associated: Tips on how to use and maximize Delta’s TakeOff 15 function to save lots of on Delta award tickets

Delta journey perks

Free checked bag

With the Delta Gold card, the cardmember and as much as eight folks 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 continual overpacker.

Final yr, I checked a bag eight occasions with Delta. On condition that it often prices $30 to examine a bag, I might have paid $240 in baggage charges, simply overlaying the annual price.


Associated: I at all times examine 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 house in your carry-on bag. However do not get too excited with precedence boarding; should you maintain this card, you board behind Sky Precedence in Foremost 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 an announcement 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 an internet journey company powered by Expedia that you should utilize to guide inns and trip leases. That is primarily a free evening if you’ll find a room underneath $100 — however which may be troublesome 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.

If you happen to do not fly Delta at the least twice a yr or examine luggage while you fly Delta, it’s troublesome to justify the $150 annual price (see charges and costs), and also you would possibly wish to think about the no-annual-fee Delta SkyMiles® Blue American Specific Card (see charges and costs) as a substitute.

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