Gold Delta SkyMiles Credit Card from American Express Review
- March 5, 2016
- Posted by: Dave Rathmanner
- Category: Credit Cards
- First checked bag free
- Priority boarding
- No foreign transaction fees
- 16.74% - 25.74%
- Cash Advance APR: 26.24%
- Penalty APR: 29.99%
- Earn 50,000 bonus miles after spending $1,000 within the first 3 months
- $50 statement credit after first delta purchase within the first 3 months
- Annual fee for the first year is waived
Delta Air lines, an internationally recognized American-based company, has provided excellent aviation transportation services to the public for several generations by offering affordable prices to everyday travelers since the early twentieth century with this travel credit card.
Aside from offering competitive flight pricing, Delta is seeking to generate more travel benefits and enticing deals for their customer base by creating attractive opportunities for devoted customers as well as newcomers.
Delta is pairing up with credit company juggernaut, American Express, to offer one of the best airline credit cards additional benefits to habitual travelers in the form the Gold Delta SkyMiles Credit Card.
Benefits & Rewards
The Gold Delta SkyMiles card provides a multitude of benefits ranging from travel offers to warranty coverage. The featured special offer this card presents is a 30,000 SkyMile travel bonus when the cardholder spends over a thousand dollars in purchases within the first three months of membership.
These bonus miles are roughly equivalent to $300 dollars (SkyMiles are valued at about one cent each) which is a considerably generous return of thirty percent on initial purchases. Another benefit includes a $50 dollar credit applied to the cardholder account after the first Delta purchase; these two offers combine to provide the equivalent of 35,000 SkyMiles (or $350) in rewards. Additionally, cardholders receive two SkyMiles per dollar (or two cents per dollar) spent on every direct Delta purchase.
Redemption of these SkyMiles provide discounts on Delta flights which is a considerable benefit for the Delta regular; however, the SkyMiles system is just one aspect of the Gold Delta card travel benefit package. Members enjoy priority boarding over non-members which allows cardholders to settle in for a Delta flight sooner than most. Members receive discounts on bag checks; the first bag that needs to be checked is done for free which saves roughly $50 round trip on every Delta flight.
Members are afforded a discount into the Delta Sky Club which is an exclusive group that enjoys special in-flight compliments such as Wi-Fi and beverages. There are various different services and coverage benefits available such as a roadside assistance hotline (a help number on the back of the card for car trouble), car rental loss/damage insurance (essentially provides coverage for loss or damages of a rental car if purchased with card), global assistance hotline (a hotline that helps coordinate with local emergency, financial, or legal services), and travel accident insurance (coverage for plane, train, boat, etc accidents).
Membership benefits are not limited to travel; for instance, there are various benefits in the entertainment and everyday shopping worlds. Gold Delta SkyMiles membership offers insight on local entertainment events by providing exclusive access to ticket pre-sales or membership-exclusive events ranging from sporting events to music concerts. For the everyday consumer, the American Express Delta Gold card provides extended warranties on certain products with a manufacturing warranty of five years or less.
Additionally, loss or damage protection is provided for products that experience accidental damage or theft within the ninety days of purchase. Finally, dispute resolution is a service provided in the case of a fraudulent or incorrect charge to the cardholder account.
Rates & Fees
16.74% - 25.74%
$5 or 3%
There is an annual fee of $95 dollars for holding the Gold Delta SkyMiles card; however, the fee for the first year of membership is waived off. There are several different rates and fees associated with this card. There is a 0% transaction fee on all purchases made in a foreign country which allows the card holder to spend like a local on vacation.
On the contrary, there is either a 3% or 5% transaction fee for balance transfers and cash advances; the rate ( 3% versus 5%) depends on whichever value is greater. The fee for a late payment and returned payment varies up to a maximum of $37, and there is no over limit fee.
The annual percentage rate (APR) for everyday purchases and balance transfers varies between 16.74% and 25.74% depending on credit score. There is a variable APR for cash advances of 26.24%; additionally, there is a variable penalty APR of 29.99% (variability depends on market).
The Gold Delta SkyMile card offers extensive benefits to its cardholders in the form of convenient services and redemption capabilities. It is clearly geared towards a cardholder that habitually travels via air line, and it promotes the marketability of Delta Airlines considerably. The combined benefit package offered by Delta Airlines and American Express is an enticing deal that any Delta traveler could utilize to a beneficial extent.
Not satisfied? Check out some of the best American Express credit cards that we have reviewed.