Card economics
Delta SkyMiles Gold
Annual fee
$150/yr
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Dining | 2x |
| Groceries — in store | 2x |
| Groceries — online | 2x |
| Other Delta Purchases | 2x |
| Delta Airfare | 2x |
| Everything else | 1xBase rate |
Fee calculator
Sticker Fee
$150/yr
Credits
-$0
Effective Fee
$150
Credits & Benefits
Max: $100/yr · annual
Up to $100/year back on prepaid Delta Stays hotel bookings. Must book via Delta Stays.
Max: $200/yr · annual
$200 Delta flight credit after spending $10,000 in purchases in a calendar year. Threshold-gated.
Max: $120/yr ($10/mo) · monthly
$10/month back on U.S. rideshare purchases (added 2026-06). Enrollment required; unlocks only after first card renewal.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Delta SkyMiles Gold might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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