Cards
TravelAmEx
Delta SkyMiles Gold
Key facts
Annual fee$150/yr
Rewards currencyDelta SkyMiles
Recommended creditFair – Good (670+)
Near all-time high offer
Current sign-up bonus
80,000 SkyMiles + $250 statement credit after spending $3,000 in 6 months (elevated offer, ends 11/04/2026)≈ $960 value
Reward rates
2x Delta
2x Dining (including delivery)
2x Groceries
1x on everything else
Purchase protections
Extended Warranty
Covered. Extended Warranty adds up to 1 additional year to the original manufacturer's warranty on eligible purchases with original warranties of 5 years or less. Up to $10,000 per item, up to $50,000 per eligible card per calendar year.
Purchase Protection
Covered. Purchase Protection covers eligible purchases against accidental damage or theft for 90 days from the purchase date. Up to $1,000 per occurrence, up to $50,000 per eligible card per calendar year.
Other benefits
Annual Credits
$120 Ride-Hailing Credit: up to $120, resets Monthly.
Authorized User Fee
$0. Additional cardholders can be added at no annual fee.
Secondary Rental Car
Covered (secondary in U.S., primary internationally). Complimentary Car Rental Loss and Damage Insurance provides secondary coverage against damage or theft when the rental company's CDW is declined and the full rental is charged to the card.
Primary Rental Car
None domestic. Rental car coverage is secondary in the U.S.
Lost / Stolen Baggage
Covered. Baggage Insurance Plan covers eligible lost, damaged, or stolen baggage when the entire common carrier fare is charged to the card. Up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of carrier reimbursement.
Transfer Partners
Delta SkyMiles are part of the SkyMiles program. Key airline partners include Air France/KLM Flying Blue, Korean Air SKYPASS, and Virgin Atlantic Flying Club at a 1:1 transfer ratio. Hotel transfer to Marriott Bonvoy also available but at unfavorable ratios. SkyMiles do not expire and are earned directly — not transferred from external programs via this card.
Welcome Bonus
80,000 bonus SkyMiles + $250 statement credit after spending $3,000 in purchases on the card within the first 6 months of Card Membership. Elevated offer per current Amex promotion, ends 11/04/2026.
Earn Rates
3x SkyMiles on Delta purchases (including flights, in-flight food/beverages, and Delta Vacations packages); 2x SkyMiles at restaurants worldwide and at U.S. supermarkets; 1x SkyMile on all other eligible purchases.
Best for
FlightsDiningGroceries
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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