American Express · personal · american express
Delta SkyMiles Gold
The Delta card most people should hold: the free checked bag alone (you + up to 8 companions) usually beats the $150 fee in a single round-trip. Skip only if you don't fly Delta a couple times a year.
Current public offer
Up to 90,000 bonus miles (offer ends 7/15/26) after $5,000 spend in 6 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $150 ($0 intro annual fee first year, then $150)
- Suggested credit: Good / Excellent (690+)
- No foreign transaction fee ✓
Earning
- 2x restaurants worldwide
- 2x Delta purchases
- 2x U.S. supermarkets
- 1x everything else
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.