Earn SkyMiles and enjoy travel perks like free checked bags

Delta SkyMiles® Gold American Express Card: Calculator & Benefits Guide

Fees

Earning Rates

Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.
Earn 1X Mile on all other eligible purchases.

Main Benefits

First checked bag free for cardholder and companions
15% off Delta Award flights booked through Delta
$200 Delta flight credit after spending $10K
Up to $100 Delta Stays Credit for prepaid hotels or vacation rentals through Delta Stays
Access to Delta Pay with Miles
Priority Zone 5 boarding

Our Take

The Delta Gold AMEX is an excellent choice if you're an occasional Delta flyer. Not only will you save money on checked bag fees for yourself and those traveling with you, but you'll also save on award redemptions which can slightly up the value of your SkyMiles.

Last Updated: 04-03-2025

Delta Gold AMEX SkyMiles Calculator

Use this calculator to estimate how many SkyMiles you can earn with the Delta Gold Amex. Adjust annual fees and benefit values, compare it with other Delta or travel cards, and build personalized reward strategies.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Delta SkyMiles® Gold American Express Card Details

Earning Rates

The Delta SkyMiles Gold AMEX Card earns Delta SkyMiles at the following rates:

2 miles per dollar spent on dining at restaurants, including takeout and delivery in the U.S.
2 miles per dollar spent on groceries at U.S. supermarkets.
2 miles per dollar spent on Delta purchases made directly with Delta.
1 mile per dollar spent on all other purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main perks and benefits of the Delta SkyMiles Gold AMEX Card:

$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
$100 Delta Stays Credit: Earn up to $100 per year as a statement credit after using your Delta Gold Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
TakeOff 15: Save 15% when booking Award Travel on Delta flights booked on delta.com and the Fly Delta App.
First Checked Bag Free: Enjoy your first checked bag free on Delta flights. Up to 8 others traveling on the same reservation will also have their first checked bag fee waived.
Priority Boarding: Receive Zone 5 Priority Boarding on Delta flights
Pay with Miles: Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
20% In-Flight Savings: Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
Travel & Purchase Coverage^*: Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Purchase Protection, and Extended Warranty.

^*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Fees

Annual Fee

The Delta SkyMiles Gold AMEX Card has a $0 intro annual fee for the first year, then $150.

If you normally pay for checked bags, you'll easily be able to make up for this fee after a few flights, especially if you have multiple people in your reservation.

The $100 Delta Stay Credit is also an easy way to make up for a large chunk of the fee.

Authorized User Fee

There is no fee to add additional users to the Delta SkyMiles Gold AMEX Card. Additional users will be able to assist in earning miles on purchases as well as enjoy 20% back on in-flight purchases.

Foreign Transaction Fee

The Delta SkyMiles Gold AMEX Card has a 0% foreign transaction fee. This means you will not be penalized for making international purchases with the card.