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Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
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Delta Air Lines is a common favorite among frequent travelers, as well as one of the highest-rated airlines by consumers year after year. In fact, Delta was ranked this year as the No. 1 airline in the U.S. by the Wall Street Journal for the second year in a row, and the company frequently receives accolades for their customer service and record for on-time flights.
With this kind of reputation, it’s no wonder consumers sign up for Delta credit cards in droves. However, it can be difficult to know which Delta credit card is worth it depending on how often you travel and the perks you want.
If you’re looking for a Delta credit card and wondering which one makes the most sense for your travel plans, your budget, and your goals, read on to learn about our top picks.
Domestic Main Cabin round-trip companion certificate each year upon renewal of your card
First checked bag free on Delta flights
Priority boarding on Delta flights
Discounted ($39) Delta Sky Club access for you and up to two guests
10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to two times
20% back on in-flight Delta purchases
Verdict
If your main goal is racking up as many Delta SkyMiles as you can, the best co-branded card for you is the Delta SkyMiles® Platinum American Express Card. This card offers the best earning categories of any co-branded Delta card thanks to its 3X rate on Delta purchases, yet you’ll also get the same rate on purchases made with hotels. Cardholders can enjoy perks like an annual companion certificate upon renewal, a Global Entry or TSA PreCheck credit, priority boarding, first checked bag free on Delta flights and more.
Savvy traveler tip: The Delta SkyMiles® Platinum American Express Card is a great option for frequent flyers who don’t want to pay the typical $695 membership fee to join Delta Sky Clubs or the higher annual fee for a Delta card that includes a full membership. Cardholders can enter the lounge when they fly Delta by paying a daily per-visit rate of just $39.
To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
$0 introductory annual fee for the first year, then $99.
No foreign transaction fees
Priority boarding in Main Cabin 1 (group 5)
Earn a $100 Delta flight credit after spending $10,000 within a calendar year
20% back on in-flight purchases, such as food or beverages, in a statement credit
Add an authorized user for free
No airport lounge access
No help earning Delta Medallion status
Cardholders with Delta elite status may find the benefits less useful
Delta airlines benefits
First checked bag free on Delta flights
Main cabin 1 Priority boarding on Delta flights
$100 Delta flight credit after spending $10,000 within a calendar year
20% back on in-flight Delta purchases
Verdict
The Delta SkyMiles® Gold American Express Card is our top choice for a Delta credit card if you’re looking to get a free checked bag on your Delta flights. We recommend this card because it has great travel benefits and a reasonable annual fee.
With this card, you’ll get one free checked bag per flight for yourself and up to eight companions on your itinerary, plus you’ll earn Delta SkyMiles on every purchase. In addition to a variety of bonus spending categories, cardholders will also qualify for priority boarding in Main Cabin 1, in-flight discounts and no foreign transaction fees.
Savvy traveler tip: With no annual fee the first year, the Delta SkyMiles® Gold American Express Card is a smart card to consider if you’re hoping to give this frequent flyer program a try for 12 months.
To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
Enjoy a $0 introductory Annual Fee for the first year, then $99.
Enjoy your first checked bag free on Delta flights.
Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
Earn 1X Mile on all other eligible purchases.
$100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Earning rate is lower than with other Delta SkyMiles cards
Delta airlines benefits
20% back on in-flight Delta purchases
Verdict
The Delta SkyMiles® Blue American Express Card is a great option for a casual Delta customer who is looking for a card with a $0 annual fee. You’ll have the opportunity to earn Delta SkyMiles on your everyday purchases, and you can use your rewards points to book flights with Delta, upgrade your seat, or purchase hotel stays and car rentals.
Though the card is far from the best option for earning SkyMiles, its 2X bonus on U.S. restaurant purchases means cardholders can still stack up extra miles without having to pay an annual fee.
Savvy traveler tip: The Delta SkyMiles® Blue American Express Card doesn’t have a ton of perks, but the 20% discount on in-flight purchases can help you save money on food and drinks you purchase in the air.
To see rates & fees for Delta SkyMiles® Blue American Express Card please click here.
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
No Annual Fee.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
MQD Waiver: You can waive the Medallion Qualification Dollar amount required for Delta elite status if you make at least $25,000 in purchases in a year with your card.
Complimentary Delta Sky Club access
Access to the Centurion and Escape lounges
Upgrade priority for Medallion members
Annual Companion Certificate at renewal
First checked bag free on Delta flights
Global Entry/TSA PreCheck fee credit
Comes with a baggage insurance plan, trip delay insurance, trip cancellation and interruption insurance and other travel perks
$550 annual fee
Only bonus category is for Delta purchases
Delta airlines benefits
Delta SkyClub, Centurion and Escape lounge access
Two one-time Delta SkyClub guest passes each year
Domestic first class, Delta Comfort+® or domestic main cabin round-trip companion certificate each year upon renewal of your card
Complimentary upgrades
First checked bag free on Delta flights
Main cabin 1 priority boarding on Delta flights
15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to four times
20% back on in-flight Delta purchases
Verdict
If you’re trying to gain Delta SkyClub access, the Delta SkyMiles® Reserve American Express Card is the card for you. It’s the only Delta credit card for consumers that includes complimentary lounge access as a benefit. However, the card has a $550 annual fee, so it’s only worth it for the most frequent Delta flyers.
That said, the Delta SkyMiles® Reserve American Express Card only offers bonus miles for Delta Air Lines purchases, making it less useful for cardholders who don’t often fly with Delta.
Savvy traveler tip: This card is ideal for frequent Delta flyers who want airport lounge access and a leg up toward the higher levels of Delta Medallion status.
To see rates & fees for Delta SkyMiles® Reserve American Express Card please click here.
Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
Enjoy Delta Sky Club® access at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club
To earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
Eligible Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Enjoy your first checked bag free on Delta flights.
Earn 3X Miles on Delta purchases.
Earn 1X Mile on all other eligible purchases.
No Foreign Transaction Fees.
$550 Annual Fee.
Terms Apply.
Best Delta credit card for business
Delta SkyMiles® Gold Business American Express Card
Earn 75,000 miles (worth around $1,125 in airfare)
Earn 75,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months. Offer Ends 10/25/23.
Intro Purchase APRN/A
Annual Fee$0 introductory annual fee for the first year, then $99
$0 introductory annual fee for the first year, then $99
First free checked bag on Delta flights
$100 Delta flight credit
Generous welcome offer
Annual fee after the first year
No lounge access or help toward elite status
Delta airlines benefits
First checked bag free on Delta flights
Main cabin 1 priority boarding on Delta flights
$100 Delta flight credit after spending $10,000 within a calendar year
20% back on in-flight Delta purchases
Verdict
With a $0 introductory annual fee for the first year, then $99, the Delta SkyMiles® Gold Business American Express Card is a great option for small business owners. Not only will you get a stellar welcome offer, but you’ll also enjoy a first free checked bag on Delta flights, a $100 Delta flight credit (minimum spending requirement applies) and no foreign transaction fees.
For regular Delta customers who happen to own a small business, this card can be a great choice. While other cards may offer higher earning rates, this card isn’t bad for business owners looking for a straightforward rewards card that earns on business-related purchases.
Savvy traveler tip: Consider this card if you frequently pay for business travel and want to start earning even more miles on those purchases.
To see rates & fees for Delta SkyMiles® Gold Business American Express Card please click here.
Limited Time Offer: Earn 75,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months. Offer Ends 10/25/23.
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2 Miles on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.
Best Delta credit card for frequent business travelers
Delta SkyMiles® Platinum Business American Express Card
Earn 90,000 miles (worth around $1,350 in airfare)
Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
Domestic Main Cabin round-trip companion certificate each year upon renewal of your card
First checked bag free on Delta flights
Main cabin 1 priority boarding on Delta flights
Discounted ($50) Delta Sky Club access for you and up to two guests
10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to two times
20% back on in-flight Delta purchases
Verdict
For business owners looking to earn a lot of Delta miles right off the bat with a high welcome offer, the Delta SkyMiles® Platinum Business American Express Card will do just that.
This card’s main drawback is its high $250 annual fee, but the perks can be well worth it. In addition to a solid earning rate, you’ll also get a status boost, a Global Entry or TSA PreCheck fee credit, an annual companion flight certificate at renewal, a free checked bag and more.
Savvy traveler tip: If you want the chance to enter Delta Sky Clubs only occasionally, this card’s $50 per visit rate can help you skip the high cost of a full membership.
To see rates & fees for Delta SkyMiles® Platinum Business American Express Card please click here.
Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per Calendar year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
Terms and limitations apply.
Best Delta credit card for business and luxury
Delta SkyMiles® Reserve Business American Express Card
Earn 100,000 miles (worth around $1,500 in airfare)
Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
Domestic first class, Delta Comfort+® or domestic main cabin round-trip companion certificate each year upon renewal of your card
Complimentary upgrades
First checked bag free on Delta flights
Main cabin 1 priority boarding on Delta flights
15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to four times
20% back on in-flight Delta purchase
Verdict
For business travelers seeking a bit of luxury, consider the Delta SkyMiles® Reserve Business American Express Card for its multitude of perks and benefits. If you don’t mind the $550 annual fee, you can certainly benefit from the complimentary Delta Sky Club access, complimentary access to the Centurion® Lounge or Escape Lounge, a Companion Certificate upon card renewal and the priority upgrades that come with this card.
Savvy traveler tip: Once you spend $150,000 or more on this card within a calendar year, you’ll begin earning 1.5 miles per dollar spent on all purchases you make.
To see rates & fees for Delta SkyMiles® Reserve Business American Express Card please click here.
Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Enjoy 3x miles per dollar on Delta purchases.
With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
Valuable credits, including up to a $200 hotel credit, up to a $155 Walmart credit (enrollment required), up to a $300 Equinox credit (enrollment required)
Comes with up to a $240 digital entertainment credit (enrollment required), up to a $189 credit toward CLEAR membership and up to a $200 airline fee credit (enrollment required)
Airport lounge access, including Amex Centurion Lounges and Delta SkyClub
Automatic Hilton Honors and Marriott Bonvoy elite status (enrollment required)
Travel and purchase protections
High $695 annual fee
Low earning rate on everyday spending categories
Delta airlines benefits
Access to the Global Lounge collection, including Centurion, Escape and Sky Club lounges, and more
Verdict
If you like to fly with Delta but you want the flexibility to use your rewards in several different ways, The Platinum Card® from American Express may be the best choice for you. This flexible travel card earns Amex Membership Rewards points, which you can transfer to your SkyMiles account as well as a long list of other airline and hotel loyalty programs.
Cardholders can also enter Delta Sky Club lounges when traveling on a same-day ticket on a Delta-operated flight. In fact, The Platinum Card® from American Express is the superior option for airport lounges since it also gives you access to 1,300+ Priority Pass lounges (enrollment required) and exclusive Amex Centurion Lounges.
Savvy traveler tip: If you are willing to book hotels, flights and other travel through AmexTravel.com, making those purchases with this card will net you 5X points per dollar spent. Terms apply.
To see rates & fees for The Platinum Card® from American Express please click here.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.
Best Delta credit card with no annual fee (general travel)
The Amex EveryDay® Credit Card from American Express
20% bonus on points when you make at least 20 purchases with your card within a billing period
Decent welcome offer for no annual fee
Points transfer to the Delta SkyMiles program
Includes some travel and purchase protections
Few bonus earning categories
Few consumer benefits
No airline perks
Delta airlines benefits
No airline-specific benefits
Verdict
If your sole interest is in earning SkyMiles on credit card spending, you should give The Amex EveryDay® Credit Card from American Express a close look. For a $0 annual fee, it earns valuable American Express Membership Rewards points. Plus, when you use your card 20 or more times in a month, you’ll get a 20% points bonus on all the points earned that month. Terms apply.
You can transfer these points into your Delta SkyMiles account if you have a premium Membership Rewards card, like The Platinum Card® from American Express. However, Delta Sky Miles is just one of the airline and hotel programs American Express lets you transfer your rewards to.
Savvy traveler tip: This card offers a great way to rack up points you can transfer to Delta later on. Just remember that you’ll have to transfer your points to Delta in 1,000 increments.
Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
Low intro APR: 0% for 15 months on purchases, then a variable rate, currently 17.99% to 28.99%
2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x)
1x points on other purchases.
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
No annual fee.
Terms Apply.
The information related to the The Amex EveryDay® Credit Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Excellent earning rate for dining and U.S. supermarkets
Flexible points that you can use on any airline, including Delta
High welcome offer
Up to $120 in Uber Cash ($10 monthly) toward U.S. Uber rides or U.S. Uber Eats purchases when you add the card to the app
Up to $120 dining credit ($10 monthly) toward select purchases (enrollment required)
Travel and purchase protections
No foreign transaction fees
$250 annual fee
No airline perks
Delta airlines benefits
No airline-specific benefits
Verdict
If you’re looking to rack up Delta miles every time you spend at restaurants and U.S. supermarkets, the American Express® Gold Card will be perfect for you. This card earns flexible Membership Rewards points on purchases, which can then be transferred to Delta and used toward free flights.
This card also comes with perks like up to a $120 dining credit ($10 monthly, enrollment required), and several travel and purchase protections that make it a great option for everyday use.
Savvy traveler tip: Make sure to add your American Express® Gold Card to your Uber account as your preferred method of payment as soon as you get it. That way, you can start enjoying Uber Cash for U.S. Uber eats and rides right away.
To see rates & fees for American Express® Gold Card please click here.
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
Flexible points that you can use with nearly any airline, including Delta
Earns 1.5X points on purchases of $5,000 or more, as well as those made in select business categories
Airport lounge access, including Delta SkyClub and Centurion Lounges
No foreign transaction fees
Cell phone protection
Luxury benefits and credits
$695 annual fee
Low rewards rate in everyday spending categories
Delta airlines benefits
Access to the Global lounge collection, including Centurion, Escape and Sky Club lounges, and more
Verdict
The Business Platinum Card® from American Express is a great non-co-branded card for small business owners looking to earn Delta miles. Though it comes with a hefty $695 annual fee, cardholders will enjoy luxury benefits like up to a $200 airline fee credit (enrollment required) and numerous credits for other things like Indeed, Adobe and Dell (enrollment required for all of these).
Also, like The Platinum Card® from American Express, it gives you access to Delta SkyClub lounges when traveling on a Delta Flight and other lounges through Amex’s Global Lounge Collection.
Savvy traveler tip: Since this card offers 1.5X points per dollar on regular purchases of $5,000 or more, you can maximize the rewards you earn by using it for all your business expenses over that amount.
To see rates & fees for The Platinum Card® from American Express please click here.
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.
Side-by-side comparison of the best Delta credit cards
Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
Earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.
$0 introductory annual fee for the first year, then $99.
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Earn 2X Miles per dollar spent on Delta purchases and at restaurants worldwide, plus takeout and delivery in the U.S. Earn 1X Mile on all other eligible purchases.
Earn 75,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months. Offer Ends 10/25/23.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
$0 introductory annual fee for the first year, then $99
Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.
According to recent valuations, Delta SkyMiles are worth an average of $0.015 each.
However, it’s possible to get better value for your miles when you book select itineraries, including long haul flights and those in premium cabins.
For example, we searched for award flights from Chicago, Illinois (ORD) to Dubai, United Arab Emirates (DXB) for dates during fall of 2023 and found lie-flat business class seats on partner airline KLM for 179,500 Delta SkyMiles plus $423 in airline taxes and fees.
However, the round-trip flight cost $3,083 in cash on the same dates, so each mile you redeemed would be worth 1.7 cents each.
How to choose the best Delta credit card
Any of the Delta credit cards can be “worth it” in a traditional sense, especially since there are options that don’t require an annual fee. That said, there are some important steps you can take to find the card that offers the most perks you can use for the lowest total cost.
Consider these tips to find the best Delta card for the way you travel.
To help you earn the most miles possible, you’ll want to choose the Delta credit card that best aligns with your spending habits. With that in mind, look for a card that offers more points in categories you happen to spend a lot in.
If you love to relax in airport lounges, prefer free checked bags, and don’t want to pay foreign transaction fees, choose a Delta card that offers these benefits. If you rarely use the additional benefits offered by credit cards, choose a Delta card that comes with fewer benefits and doesn’t charge an annual fee.
If a card’s welcome offer is important to you, choose the Delta card with the best offer. Just make sure you can reach the spending requirement without overextending yourself or buying stuff you don’t need.
Though many of these Delta credit cards come with strong welcome offers, high earning rates and a multitude of benefits, you’ll need to make sure the annual fee is within your budget. If you think paying a high annual fee will be difficult for you each year, consider a card with a lower or no annual fee.
For frequent Delta flyers and those who live in Delta hubs, a co-branded Delta credit card can be a great idea. However, if you don’t consistently fly with Delta and you prefer to book whichever flight has the best itinerary for your needs, you may want a non-co-branded card that gives you the option to book with Delta or other airlines instead.
Since Delta is a transfer partner of American Express Membership Rewards, any number of Amex credit cards that earn this type of points could suit your needs best.
Compare Delta credit card benefits
As you compare all the best Delta credit cards, you’ll also want to focus on options that offer a selection of perks you’ll actually use. The chart below highlights the most common Delta card benefits and how they can be beneficial to you.
Delta credit card benefit
How it works
Delta companion ticket
Annual companion tickets from Delta let you get a free companion fare when you buy an eligible ticket. That said, you do have to pay government mandated taxes and fees (usually up to $80) for the companion ticket.
Delta Status Boost
This perk helps you achieve Delta Medallion status faster through credit card spending alone.
Delta priority boarding
Get on the plane and get settled in your seat early on in the boarding process.
Delta Sky Club access
Enjoy a cozy atmosphere plus complimentary food and drinks in Delta Sky Club lounges. Note that you do have to have a same-day boarding pass for a Delta-marketed or Delta-operated flight to gain entry.
Free checked bags
With certain co-branded Delta credit cards — such as the Delta SkyMiles® Gold American Express Card — cardholders can check their first bag for free on Delta flights. This perk is typically good for up to nine passengers on the same reservation.
Flight credit
Some Delta credit cards offer annual flight credits you can earn when you meet a minimum spending requirement.
In-flight discounts
All co-branded Delta cards offer a 20% savings on in-flight purchases, such as food or beverages, on Delta Air Lines. When you pay for eligible expenses, be sure to use your Delta credit card for payment — the discount will be applied as a statement credit to your purchase.
How many Delta points are needed for a flight?
The Delta SkyMiles program no longer offers an award chart, and their dynamic pricing model makes it so you may not know how many miles you need for a flight until you’re ready to book. However, there are some general rules of thumb and ranges to consider. For example, you can frequently find round-trip domestic flights in economy for less than 15,000 miles, and round-trip international flights in economy for as little as 52,000 miles.
Is a co-branded Delta credit card right for you?
Depending on how often you fly with Delta and how likely you are to use the cards’ benefits, a co-branded Delta card could be well worth the investment. After all, benefits such as complimentary checked baggage and a boost to elite status can net you hundreds or even thousands of dollars of value each year with Delta.
That said, you’ll get the most bang for your buck if you choose the right Delta credit card for the way you travel and how often you travel. By taking the time to compare the best co-branded Delta credit cards we highlighted on this page, you’re bound to find the right fit.
Frequently Asked Questions
Browse the section below if you have unanswered questions on Delta credit cards. If you’re curious how the benefits of the cards compare to the benefits of elite status on Delta, check out our Medallion status guide.
The best way to get approved for a Delta credit card — or any travel card, for that matter — is to have a good-to-excellent credit score. If your score is below this threshold, you can take steps to raise it by paying your credit card bills on time, keeping your utilization below 30% and holding off on making new applications for credit.
The best Delta credit card for earning SkyMiles is the Delta SkyMiles® Platinum American Express Card, which has a large bonus and lets you Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
The Delta SkyMiles® Reserve American Express Card also offers 15,000 MQMs for spending $30,000 in a calendar year, up to four times each year.
The Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Platinum American Express Card and Delta SkyMiles® Reserve American Express Card all offer one free checked bag per eligible flight. This is a potential savings of $60 per person round-trip. However, the free bag perk applies to up to nine companions on the same reservation. This makes it considerably more lucrative for big families or groups traveling on the same itinerary.
Delta SkyMiles are a type of rewards program currency that allows you to earn award flights and other types of rewards, such as gift cards or merchandise, for spending money with Delta and through their co-branded credit cards. Once you have enough SkyMiles to make a redemption, you can visit the Delta SkyMiles program website and redeem your SkyMiles for rewards.
MQDs are a metric used to help you achieve elite status with the Delta SkyMiles program, and they are based on how much you spend with Delta and partner airlines each year. You can use MQDs along with Medallion Qualifying Miles (MQMs) or Medallion Qualifying Segments (MQSs) to qualify for different levels of status with Delta. For example, you need $3,000 in MQDs, plus either 25,000 MQMs or 30 MQSs, to qualify for Silver status with Delta.
Note first that award flights technically aren’t “free,” as you’ll still need to pay taxes and fees for your flight. The answer to this question varies widely, depending on timing and routes. However, you may only need a few thousand miles to book a short, off-peak award flight with Delta.
Delta SkyMiles are valued at roughly $0.015 per point — keep in mind, though, that Delta doesn’t publish the value of Delta SkyMiles. The value you obtain by using Delta SkyMiles can vary widely depending on how you redeem them.
Delta is a part of the SkyTeam Alliance, and you can use the miles you earn with Delta cards for flights on any of its 18 alliance partners. In other words, miles not only give you access to Delta’s flight network, but also to a vast worldwide network of airlines, with more than 1,000 destinations in 170+ countries. Your elite status benefits, including lounge access, also apply to flights with Delta’s SkyTeam Alliance partners, so you can fly in style to almost any place you want to travel.
These are SkyTeam Alliance’s other members: Aerolíneas Argentinas, Aeroméxico, Air Europa, Air France, China Airlines, China Eastern, Czech Airlines, Delta, Garuda Indonesia, ITA Airways, Kenya Airways, KLM Royal Dutch Airlines, Korean Air, Middle East Airlines – Air Liban, Saudia, TAROM, Vietnam Airlines and Xiamen Air.
Methodology
To make choosing the right card easier, we’ve looked at credit cards reviewed on LendingTree as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.
To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
To see rates & fees for Delta SkyMiles® Gold American Express Card please click here.
To see rates & fees for Delta SkyMiles® Blue American Express Card please click here.
To see rates & fees for Delta SkyMiles® Reserve American Express Card please click here.
To see rates & fees for Delta SkyMiles® Gold Business American Express Card please click here.
To see rates & fees for Delta SkyMiles® Platinum Business American Express Card please click here.
To see rates & fees for Delta SkyMiles® Reserve Business American Express Card please click here.
To see rates & fees for The Platinum Card® from American Express please click here.
To see rates & fees for American Express® Gold Card please click here.
To see rates & fees for The Platinum Card® from American Express please click here.
The information for the The Amex EveryDay® Credit Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
Sophia Mendel
Sophia Mendel is a former credit cards and travel rewards writer with LendingTree. She is passionate about travel, having visited over 40 countries and lived in five. Sophia studied Spanish and Communications at the University of Michigan, and her work has been featured by Lonely Planet, Hostelworld, BootsnAll and Transitions Abroad. Her induction into the points and miles world has completely revolutionized the way she travels. Sophia is eager to share her ever-expanding knowledge to give others the opportunity to explore the world. She documents her worldwide travels on her blog, The Unbounded Traveler.