Delta SkyMiles Gold Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Delta SkyMiles Gold earns X on all purchases with a $150 annual fee.
2.2/5
Overall
2.5/5
Value
CompareDelta SkyMiles Gold vs Delta SkyMiles Blue·Delta SkyMiles Gold vs Blue Business Cash·Delta SkyMiles Gold vs Blue Business Plus·Delta SkyMiles Gold vs Blue Cash Everyday·Delta SkyMiles Gold vs Cash Magnet
Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| Everything Else | 1X pts/$ | 1.00¢ | All |
Check MCCMCC Lookup Tool
Benefits
Effective Annual Fee
Annual fee–$150
Net annual cost–$150 effective cost
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by AMERICAN_EXPRESS and subject to change. Verify all information on the issuer's website before applying.
Strengths and Weaknesses
Strengths
- No foreign transaction fees
Weaknesses
- $150 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
International Travelers
No foreign transaction fees
Frequently Asked Questions
Is the Delta SkyMiles Gold worth $150/year?
For moderate spenders, generally yes. The Delta SkyMiles Gold offers rewards and benefits that typically exceed the $150 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Delta SkyMiles Gold?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.