Card economics
Delta SkyMiles Gold
Annual fee
$150/yr
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Earn rates
| Category | Rate |
|---|---|
| Dining | 2x |
| Groceries - In-Store | 2x |
| Groceries - Online | 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.
Card terms verified Jul 20, 2026 against official issuer sources.
Next step
One card is a start. The optimal setup is the whole wallet.
The Delta SkyMiles Gold might be great on its own, but the best combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal or is the best setup found within the time limit.
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