Delta SkyMiles® Gold Credit Card

Special Offer! Get up to 17,500 Bonus Miles Earn 15,000 Bonus Miles with the First Purchase No Annual Fee for the First Year Always Double Miles® on Eligible Everyday Purchases and All Delta Purchases

Review: The Delta SkyMiles® Gold Credit Card, issued by American Express®, is designed for those who frequently travel using Delta Airlines. Cardholders receive one mile for every dollar spent on general purchases and two miles for every dollar spent at participating retailers and merchants (including Delta Airlines related purchases). Additionally, 15,000 bonus miles are awarded to new applicants with their first purchase, and 2,500 bonus miles are awarded for an approved additional card submitted with this application. Miles do not have an expiration date (if travel is made through Delta Airlines at least once every three years); however, after the cardholder reaches $100,000 in annual spending, only one mile will be awarded per dollar spent. The annual fee will be waived for the first year. After that time the annual fee is $85; however, for those who already have an American Express® Charge Card the fee is reduced to $30. The standard APR for purchases is above average for an airline reward card and not ideal for those who plan to carry a revolving balance. There is an introductory rate of 9.99% offered for balances transferred during the time of application, which applies for the life of the loan. In addition to the reward program, the card offers many of the common benefits and services provided by American Express®, such as auto rental insurance, travel accident insurance, year-end financial statements, and various purchase protection related services. Those who can afford to pay in full each month (to avoid finance charges), will use the card at participating retailers and merchants (to earn additional miles), and will be able to accumulate enough miles to redeem a free ticket or other travel related services within a two-year period (especially if paying the $85 annual fee) will benefit most from what the Delta SkyMiles® Gold Credit Card has to offer. Those who are looking for additional frequent flyer benefits may want to consider the platinum card, which comes with a higher annual fee of $135 and has a higher credit qualification requirement.

Date of Review: 2006-04-07 00:00:00

Notes: Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.

Additional Perks: Various Internet account related services. Year-end financial statement. Extended warranty for purchases. Purchase protection. No liability for unauthorized Internet transactions. Access to the Offer Zone for various discounts at participating retailers and merchants. Auto rental insurance. Emergency card replacement. Emergency cash replacement. Medical referral services. Legal referral services. Various travel and emergency assistance services. Up to $100,000 in travel accident insurance. See website for additional benefits.