Gold Delta SkyMiles Credit Card from American Express issued by American Express
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Gold Delta SkyMiles® Credit Card, issued by American Express, is designed for those who frequently travel using Delta Airlines. Cardholders receive one mile for every dollar spent on general purchases and two miles for every dollar spent at participating retailers and merchants (including Delta Airlines related purchases). Additionally, 15,000 bonus miles are awarded to new applicants with their first purchase, and 2,500 bonus miles are awarded for an approved additional card submitted with this application. Miles do not have an expiration date (if travel is made through Delta Airlines at least once every three years); however, after the cardholder reaches $100,000 in annual spending, only one mile will be awarded per dollar spent. Cardholders will also have access to the exclusive Pay with Miles benefit. Through Pay with Miles, cardholders can pay for a portion or all of their airfare with miles and put any remainder of miles back on the Gold Delta SkyMiles® Credit Card. Start redeeming Pay with Miles at 10,000 miles. The annual fee will be waived for the first year. After that time the annual fee is $95; however, for those who already have an American Express® Charge Card the fee is reduced to $40. The standard APR for purchases is average for an airline reward card and not ideal for those who plan to carry a revolving balance. There is an introductory rate of 9.99% offered for balances transferred during the time of application, which applies for the life of the loan. In addition to the reward program, the card offers many of the common benefits and services provided by American Express®, such as auto rental insurance, travel accident insurance, year-end financial statements, and various purchase protection related services. Those who can afford to pay in full each month (to avoid finance charges), will use the card at participating retailers and merchants (to earn additional miles), and will be able to accumulate enough miles to redeem a free ticket or other travel related services within a two-year period (especially if paying the $95 annual fee) will benefit most from what the Gold Delta SkyMiles® Credit Card from American Express has to offer. Those who are looking for additional frequent flyer benefits may want to consider the platinum card, which comes with a higher annual fee of $135 and has a higher credit qualification requirement. Most Attractive Feature: Double miles at participating retailers (including Delta Air Lines); bonus miles; no annual fee for the first year. Least Attractive Feature: Yearly limit on miles; this card is not eligible for enrollment in the Membership Rewards® Program. Apply Now For Gold Delta SkyMiles Credit Card from American Express Note: The review of this American Express card was updated on 06/18/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	9.99% APR for Life of Balance Transfers
Applied Towards:	Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the application process.
Miscellaneous Rates and Terms
Credit Limits:	$100,000 (Maximum)
Purchases APR:	14.99%
Cash Advance APR:	19.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days
Fees Associated with this Card
Annual Fee:	$95** **The annual fee will be waived for the first year. Thereafter, the fee is reduced to $40 for those who have an American Express® Charge Card.
Add. Cardholders:	$0
Late Payment Fee:	$19 on balances up to $400 and $38 on balances of $400 and over
Over-the-Limit Fee:	$35
Cash Advance Fee:	3%, $5 minimum for Express Cash transactions
Balance Transfers:	There is no balance transfer fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

The Rewards Program Highlights
Optional Reward:	No
Miles Per Dollar:	1 Mile
Additional Miles:	Earn 2 miles per dollar spent at supermarkets, gas stations, drug stores, home improvement stores, the U.S. Postal Service, on Delta Air Lines purchases, or when paying wireless phone bills. Earn 1,000 Skymiles with each purchase of a Delta round-trip ticket and 500 Skymiles for one-way tickets purchased through www.delta.com.
	For more details, visit www.americanexpress.com/deltaoffers.
Miles Compatible with Frequent Flyer Program:	Yes
Expiration:	3 Years (Miles do not expire as long as the frequent flyer account is active during a 3-year period.)
Yearly Limit:	$100,000 in annual spending (Only 1 mile per dollar spent will be awarded after this limit is reached.)
First Purchase Bonus:	15,000 Miles
Other Bonus:	2,500 Miles***
	***Earn 2,500 bonus miles for an approved additional card submitted with this application.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Year-end financial statement. Extended warranty for purchases. Purchase protection. No liability for unauthorized Internet transactions. Access to the Offer Zone for various discounts at participating retailers and merchants. Auto rental insurance. Emergency card replacement. Emergency cash replacement. Medical referral services. Legal referral services. Various travel and emergency assistance services. Up to $100,000 in travel accident insurance. See website for additional benefits. Important Notes Regarding This Offer Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.