NumCrunch

Delta SkyMiles® Gold Card

$150/yr annual fee · first year waived

SkyMiles are a fixed program — Delta doesn't publish an award chart. TPG values them at ~1.2¢, but redemptions vary widely. High-value flights on partner carriers can exceed 2¢.

1.20¢ / mile

0.8¢
Low-end

1.2¢
TPG avg

2.0¢
Partner awards

Opening or thinking about closing?

Welcome offer miles

Check americanexpress.com for the current offer

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Enter your estimated annual spend in each bonus category.

2X Delta PurchasesFlights, seat upgrades, vacation packages

$—

2X RestaurantsIncludes takeout and delivery

$—

2X U.S. Supermarkets

$—

1X All Other Purchases

$—

Drag each slider to reflect how much you'd realistically use.

Free First & Second Checked Bag

$/ $560 max

First AND second checked bag free for you and up to 8 companions on the same reservation. At $35/bag each way, two bags for two passengers roundtrip saves $280. Scale up for larger groups.

Ease of use5/5

Cardmember must be on the reservation and pay with the Delta Gold card. Applies on Delta-operated U.S. domestic flights.

$200 Delta Flight Credit

$/ $200 max

$200 statement credit after spending $10,000 on the card in a calendar year. Enter the full $200 if you regularly hit that spend level.

Ease of use2/5

Requires $10,000 in calendar year purchases. Not automatic — tied to a spending milestone.

$100 Delta Stays Credit

$/ $100 max

$100 back on prepaid hotels or vacation rentals booked through Delta Stays on delta.com. Good value if you already book hotels through the portal.

Ease of use3/5

Annual credit; must book via the Delta Stays portal at delta.com/stays. Does not apply to third-party bookings.

$120 Ride-Hailing Credit

$/ $120 max

$10/month back on U.S. ride-hailing purchases (Uber, Lyft, and others). One of the easiest credits to fully capture if you take a couple rides a month.

Ease of use5/5

$10/month credit, does not roll over. Enrollment required via your AmEx account.

Optional — enter a dollar value for any benefits you'd use.

Car Rental Loss & Damage Insurance

20% Back on Inflight Purchases (food & beverages)

Your breakdown

Miles (0 mi @ 1.20¢)$0.00

Credits$0.00

Total value$0.00

Annual fee−$150

Net value$-150.00

✗ May not be worth it

You need $150.00 more in value to break even.

Thinking about closing it? Use the cancel or downgrade decision tree →

Credits: your value vs max

Checked Bags

Flight Credit

Delta Stays

Ride-Hailing

■ Your value■ Max

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