How to Apply for Delta SkyMiles Gold: Step-by-Step Guide
The Delta SkyMiles Gold from American Express is one of the most competitive credit cards in the travel rewards cards category. With a rating of 7/10, it offers no annual fee and impressive rewards including 2x delta/restaurants, 1x else.
In this comprehensive review, we break down everything you need to know about the Delta SkyMiles Gold: rewards structure, fees, APR, welcome bonus, and how it compares to competitors. Whether you are looking for your first rewards card or adding to your wallet, this guide covers it all.
Delta SkyMiles Gold Overview
The Delta SkyMiles Gold is issued by American Express and is designed for consumers with Good-Excellent (700+). It carries a rating of 7/10 from our experts. For those with good to excellent credit, this card can be a valuable addition to your wallet.
| Feature | Details |
|---|---|
| Issuer | American Express |
| Annual Fee | $0 |
| Intro APR | N/A |
| Regular APR | 19.24% - 27.24% Variable |
| Rewards | 2x Delta/restaurants, 1x else |
| Welcome Bonus | 50,000 miles after $2,000 in first 3 months |
| Credit Score | Good-Excellent (700+) |
| Foreign Tx Fee | 0% |
Rewards & Benefits Breakdown
The Delta SkyMiles Gold earns 2x delta/restaurants, 1x else. Here is the detailed breakdown of earning rates:
| Category | Reward Rate |
|---|---|
| All Purchases | 2x Delta/restaurants, 1x else |
| Welcome Bonus | 50,000 miles after $2,000 in first 3 months |
| Intro APR | N/A |
| Credit Score | Good-Excellent (700+) |
Since this card has no annual fee, you can keep it forever without cost. Use it for travel to maximize value.
Fees & APR Analysis
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 19.24% - 27.24% Variable |
| Balance Transfer APR | 19.24% - 27.24% Variable |
| Foreign Transaction Fee | 0% |
Delta SkyMiles Gold vs Competitors
See how Delta SkyMiles Gold stacks up against similar cards.
| Card | Fee | Rewards | Bonus | Rating |
|---|---|---|---|---|
| United Explorer | $0 | 2x United/dining, 1x else | 50,000 miles after $3,000 in first 3 ... | 7/10 |
| Wells Fargo Autograph | $0 | 3x dining/gas/travel/transit/streaming/phone | 20,000 points after $1,000 in first 3... | 8/10 |
| Delta SkyMiles Reserve | $650 | 3x Delta, 1x else | 60,000 miles after $5,000 in first 3 ... | 7/10 |
| Chase Sapphire Preferred | $95 | 5x travel, 3x dining, 2x all other travel | 60,000 points after $4,000 in first 3... | 9/10 |
| Bank of America Travel Rewards | $0 | 1.5x unlimited, 25-75% bonus with Preferred Rew... | 25,000 points after $1,000 in first 9... | 7/10 |
Pros & Cons
✅ Pros
- Competitive rewards rate: 2x Delta/restaurants, 1x else
- Welcome bonus: 50,000 miles after $2,000 in first 3 months
- No annual fee
- No foreign transaction fees
- Issued by reputable American Express
❌ Cons
- Limited bonus categories
- May not suit heavy travelers
The Delta SkyMiles Gold is best for consumers who want a simple, no-fee card with solid rewards. If you have Good-Excellent (700+) credit and spend $1998/month on average, this card could earn you significant value.
How to Apply for Delta SkyMiles Gold
Applying for the Delta SkyMiles Gold is straightforward. Here is the step-by-step process:
- 1
Check Your Credit Score
Before applying, check your credit score. You need Good-Excellent (700+) for the best approval odds.
- 2
Compare Your Options
Compare the Delta SkyMiles Gold with similar cards from other issuers to ensure it is the right fit.
- 3
Gather Required Information
You will need your Social Security number, income information, and address to apply.
- 4
Complete the Online Application
Visit American Express.com or the American Express mobile app. The application takes about 5-10 minutes.
- 5
Await Approval Decision
Most applicants receive an instant decision. If approved, your card will arrive in 7-10 business days.
Frequently Asked Questions
You need Good-Excellent (700+) credit to be approved for the Delta SkyMiles Gold. Approval is not guaranteed and depends on your overall credit profile.
Yes, with no annual fee, this card is worth keeping in your wallet indefinitely. Plus, the welcome bonus alone covers the first year's value.
The purchase APR is 19.24% - 27.24% Variable.
No, the Delta SkyMiles Gold does not charge foreign transaction fees, making it great for international travel.
Rewards can be redeemed through your American Express online account. Options typically include statement credits, gift cards, travel bookings, and direct deposits.
Conclusion
The Delta SkyMiles Gold is a solid choice in the travel rewards cards category. With no annual fee and competitive rewards, it offers good value for the right consumer.
We recommend this card for anyone with Good-Excellent (700+) credit looking for travel rewards on their everyday spending. Compare it with other cards in our list to find the best fit for your wallet.
The Delta SkyMiles Gold earns 2x delta/restaurants, 1x else. With a rating of 7/10, it is one of the better options in the travel rewards cards space. Recommended for consumers with Good-Excellent (700+) credit.