Who it's for
Airline loyaltyMore rewards dining outMore rewards at grocery stores
Delta Gold
June 2026 refresh added $120 Rideshare credit (new). With $220 in stated credits now, the $150 fee can fully offset for most users. Best entry-level Delta card.
$1,141/yrest. value at typical spending
$150annual fee
$220yearly credits
−$70fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 2x | $600/mo |
| Flights & hotels | 1.4x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 1 transfer partner
- $100 Delta Stays credit on prepaid Delta hotel bookings
- $120 Rideshare Credit (NEW June 2026) — $10/mo at select U.S. rideshare providers
- First checked bag free for cardholder + 8 companions on Delta flights
- 20% back on in-flight purchases (food & beverages)
- 15% off SkyMiles award redemptions on Delta flights
- 2x SkyMiles on Delta purchases, restaurants worldwide, and U.S. supermarkets
- 1x on everything else
- $0 intro annual fee for the first year, then $150
Transfer partners
Delta SkyMiles
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