American Express · American Express · personal · Delta SkyMiles
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$150
annual fee · $0 intro annual fee the first year
0%
foreign txn fee
$240
credits/yr realistic ($420 face)
$960
sign-up bonus ≈ 80000 miles after $3,000/6mo
Earning
| Delta Air Lines (Airfare (booked direct)) | 2x | 2.4% |
| Dining & restaurants | 2x | 2.4% |
| Groceries (supermarkets)
U.S. supermarkets
|
2x | 2.4% |
| Everything else | 1x | 1.2% |
Right column: value per $ at travel valuation (1.2¢/pt). Conservative 1¢ (Pay with Miles); TPG ~1.2¢.
Credits
- $200 Delta flight credit /anniversary · hard to use$200 Delta flight credit after spending $10,000 in a year
- $100 Delta Stays credit /anniversary · medium to usePrepaid hotels via Delta Stays
- $10 Ride-hailing credit /month · easy to use · enrollment requiredUp to $10/month on U.S. ride-hailing, starting after the first card renewal
Benefits
- No foreign transaction fees
- Zone 5 priority boarding
- 20% back on inflight purchases
- TakeOff 15: 15% off Delta award flights
- First checked bag free worldwide; second bag free on U.S. domestic flights (new 2026)
Protections
| purchase protection | 90 days, up to $1,000 per occurrence |
| extended warranty | +1 year |
| lost luggage | Up to $1,250 carry-on |
| rental car | secondary |
Notes
WEB-VERIFIED 2026-09-08 against https://thepointsguy.com/credit-cards/reviews/gold-delta-skymiles-amex-credit-card-review/: $0 then $150, 2x Delta/restaurants/U.S. supermarkets, $100 Delta Stays, $200 flight credit after $10k, $10/mo rideshare after first renewal, first + second domestic bag free, no FTF (TPG, Aug 31 2026). Protections still from model knowledge.