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Is the Delta SkyMiles Gold worth $150 a year?

A fee card has to beat the best no-fee card by more than its fee before it earns you anything. Below is the annual spend, category by category, where the Delta SkyMiles Gold’s extra rewards clear the $150. Delta SkyMiles miles are valued at 1.20¢ each, their typical redemption worth.

CategoryThis cardBest no-fee cardSpend to clear the fee
No category on this card beats the best no-fee alternative, so no amount of spending clears the fee on rewards alone.

Categories can combine: spending across several bonus categories clears the fee sooner than any single row suggests. Portal-only rates and perks (credits, lounges) are excluded — this is the rewards math only.

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