Gold Delta SkyMiles® Credit Card from American Express

  • Limited Time Offer: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card within your first 4 months.
  • Plus, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 4 months. Offer expires on 7/5/2017.
  • Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0 introductory annual fee for the first year, then $95. N/A* N/A* 16.49%-25.49% Variable Airlines


Quick Summary:
This is a airline rewards card issued by American Express. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 16.49%* and may be as high as 25.49%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. Annual fee: $0 introductory annual fee for the first year, then $95.* This normally exists for "first year reduced annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details at the issuer's website or terms and conditions from the application for more information.

Rewards:
This card can be used for airline rewards, where you can expect a "points" system or rebates for certain purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid credit record, with no recent negative marks on their report. A FICO credit score of 683 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any American Express product.

Other Basics:
The grace period listed for the Gold Delta SkyMiles® Credit Card from American Express is at least 25 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Our Editor's Commentary:
There is a lot to like about the Gold Delta SkyMiles® Credit Card from American Express, but it all starts with the ability to earn miles for every dollar you spend.

Every direct purchase with Delta results in 2x points for each dollar spent. Other eligible purchases earn you one point per dollar.

Note: you can earn 30,000 bonus miles if you spend $1,000 on your credit card within three months of opening your account.

Approval Rate:
There were 37 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 70% of those applicants were approved.

The recent approval rate for this card is very high. Furthermore, if your FICO score is close to or higher than 683, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 92% of 26 users recommend this card.

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