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Delta SkyMiles Gold Amex: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 48.9% across 78 cards (limited data). Issuer page ↗

Downsides first

• $150 annual fee ($0 introductory annual fee the first year, then $150)
• APR up to 28.74% if you carry a balance
• Penalty APR Prime + 26.74% (variable)
• 2x Delta purchases; miles valued 1¢.

Terms & fees

• IssuerAmerican Express
• Typetravel
• Annual fee$150 ($0 introductory annual fee the first year, then $150) americanexpress.com, 2026-10-12
• Regular purchase APR19.74%–28.74% variable americanexpress.com, 2026-10-12
• Rewards1% base; 2% dining; 2% groceries americanexpress.com, 2026-10-12
• Sign-up bonus (≈$)not found americanexpress.com, 2026-10-12
• Intro APRnone No intro APR shown americanexpress.com, 2026-10-12
• Foreign transaction feenot found americanexpress.com, 2026-10-12
• Penalty APRPrime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30
• Late feenot found files.consumerfinance.gov, 2025-12-31
• Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
• Cash advance feenot found files.consumerfinance.gov, 2025-12-31
• Credit needednot found americanexpress.com, 2026-10-12
• Grace periodnot found
• Cash advance APRnot found

Complaint record (CFPB)

• Complaints, last 12 months11,574
• Trend▲ 14% (last 12 mo 11,574 vs prior 12 mo 10,155)
• Timely response (last 36 mo)99.5%
• Per $1B deposits (12 mo)67.47
• Top issueIncorrect information on your report
• Insurance statusFDIC-insured: American Express National Bank (cert 27471, active; deposits $171.6B as of 06/30/2026)

Company-level (AMERICAN EXPRESS COMPANY), all products, as of 2026-10-12. American Express complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 5.0/10Annual fee $150 ($0 introductory annual fee the first year, then $150) (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 4.5/10Base 1% on everything, top category 2% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 1% base; 2% dining; 2% groceries
• Sign-up bonus n/a/10not found — unknown, scored 2.7/10 (lower of neutral 5 and comparison median)
• Intro 0% APR 0.0/10No intro APR shown (as of 2026-10-12). Score = months/21×10.
• Regular APR 7.0/1019.74%–28.74% variable (as of 2026-10-12); midpoint 24.24%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee n/a/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)
• Regulatory record (CFPB) 10.0/10Issuer American Express: Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement action found in the last 5 years in our search

0.143×5.0 + 0.143×4.5 + 0.143×2.7* + 0.143×0.0 + 0.143×7.0 + 0.143×5.0* + 0.143×10.0 = 4.89 → 48.9% (* unknown, imputed)

Is Delta SkyMiles Gold Amex worth it? (break-even math) →Value for my spending →

Compare with

Delta SkyMiles Gold Amex vs Chase Sapphire Preferred · Delta SkyMiles Gold Amex vs Chase Sapphire Reserve · Delta SkyMiles Gold Amex vs Citi Strata Premier · Delta SkyMiles Gold Amex vs Capital One Venture · Delta SkyMiles Gold Amex vs Capital One Venture X · Delta SkyMiles Gold Amex vs Amex Gold

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the Delta SkyMiles Gold Amex annual fee?

$150 ($0 introductory annual fee the first year, then $150)

What is the Delta SkyMiles Gold Amex APR?

19.74%–28.74% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.