Personal Finance

Who Benefits Most From the Gold Delta SkyMiles AmEx?

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American Express has a full roster of travel rewards credit cards, including a quartet of co-branded Delta Airlines cards. The Gold Delta SkyMiles® Credit Card from American Express offers a solid combination of travel rewards, a low annual fee and valuable card perks.

If you’re looking for a new travel rewards option for earning miles, this is one card you might consider. But is it the right choice for your travel needs? Here’s a look at who this card could benefit the most.

Delta loyalists

If you prefer Delta to other airlines, the Gold Delta SkyMiles® Credit Card from American Express could be a natural fit. With this card, you can earn 2 miles per $1 on purchases made directly with Delta, including flights booked on, Delta Sky Club membership or passes, Delta Vacations packages, some in-flight purchases and seat upgrades. Delta gift cards are the exception; these purchases don’t qualify to earn 2 miles per $1. Terms apply.

You can use those miles to Pay With Miles on Delta flights booked at The minimum to redeem is 5,000 miles, which typically equates to $50 in travel value. This is different from booking a ticket with miles outright, where you’d have to worry about award availability and pricing.

Miles can also be redeemed with Delta’s more than 20 travel partners.

Welcome bonus seekers

A welcome bonus can be a tempting incentive to apply for a new travel rewards card, and the Gold Delta SkyMiles® Credit Card from American Express doesn’t disappoint. New cardmembers are eligible for the following welcome bonus: Earn 30,000 bonus miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months. Terms Apply.

The value of this bonus is enhanced by the annual fee, which is $0 intro for the first year, then $95. Terms apply.

» Learn more: Full review of the Gold Delta AmEx

Everyday spenders

While the Gold Delta SkyMiles® Credit Card from American Express is chiefly a travel rewards card, it’s about to become more attractive for the everyday spender.

Currently, you earn 1 mile per $1 on every purchase outside of those with Delta. But beginning in January 2020, you’ll be able to earn 2 miles per $1 at U.S. supermarkets as well as restaurants worldwide. You’ll continue earning 1 mile per $1 on all other purchases, with no cap on the total number of miles you can earn. Terms apply.

International travelers

Foreign transaction fees can make trips outside the U.S. more expensive. Fortunately, the Gold Delta SkyMiles® Credit Card from American Express doesn’t charge any foreign transaction fees. Terms apply.

As a cardmember, you also have access to the Global Assist Hotline when traveling more than 100 miles from your home. Terms apply. This card perk gives you 24/7 access to medical, legal, financial or other emergency assistance services if your trip takes an unexpected turn.

Those who love travel perks

In addition to earning miles, the Gold Delta SkyMiles® Credit Card from American Express comes with some travel extras you might appreciate.

At the top of the list are a first checked bag fee waiver and priority boarding on Delta flights. The fee waiver for your first checked bag can be a money-saver, and priority boarding can make getting to your seat (and storing a carry-on bag) less of a hassle. Note that both of these benefits can extend to up to eight other travelers on your reservation. Terms apply.

You can also save money when you spend on in-flight purchases. Not only can you earn 2 miles per $1 for in-flight spending directly with Delta, but you’ll receive a 20% savings on these purchases as a statement credit. The 20% savings applies to purchases of food, beverages and audio headsets aboard Delta flights. Terms apply.

» Learn more: Top perks of the Gold Delta AmEx

Beginning in January 2020, you’ll have another reason to consider the Gold Delta SkyMiles® Credit Card from American Express. Once you spend $10,000 in a calendar year, you’ll be eligible to receive a $100 Delta flight credit. You can earn this credit annually and use it to pay for Delta flights or Delta vacation packages. Terms apply.

It’s also worth noting that one key perk is leaving the Gold Delta SkyMiles® Credit Card from American Express. Effective January 30, 2020, cardmembers will no longer have discounted Delta Sky Club access. That’s one card benefit you might miss having if you’re a regular visitor to the airport lounge while traveling. Until then, you can get access to the Delta Sky Club airport lounges for $29 per person per visit for yourself and two guests. Terms apply.

» Learn more: What’s changing with the Delta credit cards in 2020?

The bottom line

The Gold Delta SkyMiles® Credit Card from American Express could be a good choice for a regular or semi-regular Delta traveler who wants to earn miles in exchange for a reasonable annual fee. The welcome bonus is competitive, and the minimum spending requirement needed to qualify isn’t overwhelming.

With the upcoming rollout of new benefits and features, this card could become even more appealing if you’re seeking a card that’s equally rewarding for travel and everyday purchases.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2019, including those best for:

Planning a trip? Check out these articles for more inspiration and advice:
Find the best airline credit card for you
Your guide to the Delta SkyMiles program
Earn more points and miles with these 6 strategies

This article originally appeared on NerdWallet