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American Express Gold Delta SkyMiles Card

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The American Express Gold Delta SkyMiles Card works on the American Express network and is primarily intended for consumers who have Good or better credit history.

The regular interest rate for purchases made with this card is 14.5% variable APR. This credit card features a promotional introductory rate on balance transfers…

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Card at-a-glance

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Rates & Fees Summary:

  • Intro purchase rate: N/A
  • Purchase rate: 14.5% (variable)
  • Intro balance transfer rate: 9.99% (up to 12 months)
  • Balance transfer rate: 14.5% (variable)
  • Annual Fee*: N/A
  • Balance transfer fee*: N/A

Rewards Summary:

  • Sign-up Bonus: 20,000 miles after first purchase
  • Base earning rate: 1 mile / $1
  • Max earning rate: 2 miles / $1
  • Bonus Categories: N/A
  • Total Earning Limit: None

Card rates and fees

Select a credit rating to view corresponding estimated rates:
Purchase rate* N/A 14.5% (variable) view rate details
Balance transfer rate* 9.99% (up to 12 months) view rate details 14.5% (variable) view rate details
Cash advance rate* N/A 25.24% (variable) view rate details
Default rate* N/A 27.24% (variable) view rate details
Purchase rate* N/A 14.5% (variable) view rate details
Balance transfer rate* 9.99% (up to 12 months) view rate details 14.5% (variable) view rate details
Cash advance rate* N/A 25.24% (variable) view rate details
Default rate* N/A 27.24% (variable) view rate details
Purchase rate* N/A 14.5% (variable) view rate details
Balance transfer rate* 9.99% (up to 12 months) view rate details 14.5% (variable) view rate details
Cash advance rate* N/A 25.24% (variable) view rate details
Default rate* N/A 27.24% (variable) view rate details
Purchase rate* N/A 14.5% (variable) view rate details
Balance transfer rate* 9.99% (up to 12 months) view rate details 14.5% (variable) view rate details
Cash advance rate* N/A 25.24% (variable) view rate details
Default rate* N/A 27.24% (variable) view rate details
Purchase rate* N/A 14.5% (variable) view rate details
Balance transfer rate* 9.99% (up to 12 months) view rate details 14.5% (variable) view rate details
Cash advance rate* N/A 25.24% (variable) view rate details
Default rate* N/A 27.24% (variable) view rate details
Annual Fee* $0.00 for first year
$95.00 for following years
Balance transfer fee* $0.00
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
Balance transfer fee* $0.00
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
Balance transfer fee* $0.00
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
Balance transfer fee* $0.00
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
Balance transfer fee* $0.00
Cash advance fee* 3% (minimum of $5.00)
Late payment fee* $19.00 for account balance between $0.00-$249.99
$39.00 for account balance greater than $250.00
Over credit limit fee* $35.00
Min finance charge* $0.50
*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however you should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.
Rewards
Rewards Program Features  
Rewards Program Delta SkyMiles
Reward Units Miles
Rewards Expiration None
Total Earning Limit None
Sign-up Bonus 20,000 miles after first purchase
Program website www.delta.com/skymiles
Delta (Airfare) 2 miles per each $1 spent
All Other Purchases 1 mile per each $1 spent
Features and Benefits
Category Consumer
Network American Express
Min Credit Level Good (700 - 749)
Instant Approval Yes
No Annual Fee No
Rewards Program Yes
Grace Period 25 days
Method For Computing Balance Average Daily Balance
Universal Default No
Revolving Credit Yes
Secured Card No
Delta frequent flyer number printed on card
Global Assist Hotline
Pay with Miles
Car Rental Loss and Damage Insurance (The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company.)
Travel Accident Insurance (Provides up to $100,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter or bus) when the entire fare has been charged to the Card)
Access Your Account Online
Fraud Protection Guarantee
Year end Summary
Purchase Protection (Shop with confidence and Purchase Protection, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase)
Save with American Express Selects
Dedicated Customer Service
Extended Warranty (Mirrors manufacturers' warranties for covered products purchased entirely with your Card account, for up to one additional year)
Emergency Card replacement
Credit Cardholders' Bill of Rights compliance
Congress has expanded your rights as a credit card holder!
Click here to read about these rights or browse this card's compliance below.
How does this card comply?
Protection from arbitrary rate increases
The right to have rates reviewed and reduced
Fair allocation of payments
No universal default
No double-cycle billing
No fees for paying your bill
Protection from due date gimmicks
Enough time to pay your bill
Education on dangers of minimum payments
Protection of young cardholders
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