CardflareDelta SkyMiles Gold
American Express
Key facts
- Annual fee$150$0 the first year
- RewardsPoints
- Everything else earns1x points
- Minimum credit score670
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel (air) — booked direct | 2x points | No cap stated |
| Dining | 2x points | No cap stated |
| Groceries | 2x points | No cap stated |
| Everything else | 1x points | No cap stated |
Signup bonus
$250 after $3,000 of spend in the first 6 months.
Offer expires 2026-11-04.
Credits and benefits
The credits the catalog models as fee offsets. Not a complete list of every perk.
- $200 a year at Delta — $200 Delta Flight Credit after $10,000 in purchases in a calendar year
- $10 a month at U.S. rideshare (select providers), activation required — Up to $10 per month ($120 per year), starting after the first Card renewal
- $100 a year at Delta Stays — Prepaid hotels or vacation rentals booked through Delta Stays on delta.com
- $250 a year at American Express Venue Collection, activation required — 10% back on qualifying concessions purchases at select stadiums and arenas, up to $250 per calendar year; enrollment required, one enrolled Card per Card Member; plus on-site perks such as dedicated entrances or fast lanes
Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with American Express; the card name is its owner's trademark.