If you’ve been on the fence about a Delta credit card, you’ve got until Wednesday. The current welcome offers on all six Delta SkyMiles American Express cards, three personal and three business, are scheduled to end on November 4, 2026. That includes the Gold card offer of up to 80,000 bonus miles plus a $250 statement credit, with no annual fee the first year.
Amex hasn’t publicly said what replaces these offers, or exactly what time of day they end. They could come back the same, drop, or even improve. We just don’t know, so treat Nov. 4 as the deadline if one of these fits you.
The six offers (as of November 2026)
Every one of these gives you six months from approval to hit the spending requirement.
- Delta SkyMiles Gold Amex: up to 80,000 bonus miles plus a $250 statement credit after $3,000 in purchases. $0 intro annual fee the first year, then $150.
- Delta SkyMiles Platinum Amex: up to 90,000 bonus miles plus a $300 statement credit after $4,000 in purchases. $350 annual fee.
- Delta SkyMiles Reserve Amex: two round-trip Delta Comfort Flight Certificates plus 50,000 bonus miles after $10,000 in purchases. $650 annual fee.
- Delta SkyMiles Gold Business Amex: 90,000 bonus miles after $6,000 in purchases. $0 intro annual fee the first year, then $150.
- Delta SkyMiles Platinum Business Amex: 100,000 bonus miles after $8,000 in purchases. $350 annual fee.
- Delta SkyMiles Reserve Business Amex: 200,000 bonus miles after $20,000 in purchases. $650 annual fee.
Two important fine-print notes. First, the personal Gold and Platinum offers are “as high as” offers. Amex shows you your actual offer when you apply, so you might see fewer miles or a smaller credit than the headline numbers. Second, the Reserve flight certificates come with rules: they’re for Delta Comfort or Main Cabin to select domestic destinations, you have to book at least 21 days out, and you’ll pay up to $80 per person in taxes and fees.
Who can get these
Amex generally lets you earn a welcome offer on each Delta card once, and it can also block a bonus based on other Delta cards you’ve held before. The exact eligibility language shows up on the application, and Amex usually tells you before it does a hard credit pull if you aren’t eligible. Read that pop-up carefully before you hit accept.
Doing the math on the Gold card
This is the one most people should look at first. Say you’re shown the full offer: you spend $3,000 over six months, you get 80,000 miles plus $250 back, and you pay nothing for the card in year one. Delta miles don’t have a fixed value since Delta prices awards dynamically, but even at a conservative penny apiece, that’s around $800 in flights plus the $250 credit. That’s a strong haul for spending you’d likely do anyway.
The Platinum is a closer call. The $300 credit nearly covers the $350 fee, so the first year is roughly a wash on cost. Whether it’s worth keeping after that depends on the card’s ongoing perks, like its annual companion certificate, and whether you’ll really use them.
The big business numbers look flashy, but here’s the catch: 200,000 miles on the Reserve Business requires $20,000 of spending in six months, plus a $650 fee. That only makes sense if your business already spends that much. Please don’t prepay bills or carry a balance just to chase it; the interest wipes out the value fast.
Thinking about the Delta SkyMiles Gold card? You can apply through our American Express referral link. The offer shown through a referral link can differ from the public one, so compare before you apply.
Disclosure: This is our personal American Express referral link. If you’re approved through it, we may earn a referral bonus, at no extra cost to you. You can always apply directly on American Express’s website. See our Advertising & Referral Disclosure.
Our take
If you fly Delta even a couple of times a year and don’t have the Gold card yet, this is a good week to apply. A free first year plus a big bonus and a statement credit is about as low-risk as airline cards get, as long as Amex actually shows you the full offer.
We’d book the Platinum only if you already know you’ll use its yearly perks, and the Reserve cards only if lounge access and the certificates fit how you travel. Who should pass? Anyone who mostly flies other airlines, anyone who’d be stretching to hit the spending, and anyone planning a mortgage or car loan application soon. Also keep in mind that SkyMiles can’t be transferred to other programs, so you’re putting all your eggs in Delta’s basket. If you’d rather keep your options open, a flexible points card is usually the smarter first move.
Offers can change without notice, so double-check the terms on the application page before you apply.
Related on Points Capital: Delta One gets a major overhaul: what SkyMiles members should know; Alaska Atmos credit cards get higher welcome offers; The Chase Trifecta explained: Sapphire Reserve, Freedom Unlimited and Freedom Flex (2026).
Source: Eye of the Flyer; AwardWallet; American Express Delta cards
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