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Blue Delta SkyMiles® Credit Card from American Express review

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Pay no annual fee to earn 2x miles at US restaurants, and redeem miles toward flights.

  • Get this card if you want to earn 2x Delta miles for purchases at US restaurants.
  • Pick something else if you want cash back or an intro APR on purchases and balance transfers.
  • Apply with a good to excellent credit score of 670 or higher.

10,000

Miles as welcome offer

Up to 2x

Miles

$0

Annual fee

17.24% to 26.24%

Purchase APR (variable)

Details

Product NameBlue Delta SkyMiles® Credit Card from American Express
Card typeAmerican Express
Annual fee$0
Purchase APR17.24% to 26.24% variable
Balance transfer APR17.24% to 26.24% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate26.74% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction fee2.7% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$0
Rates & feesrates & fees

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Blue Delta SkyMiles® Credit Card from American Express could be a solid rewards card for those who aren’t interested in paying an annual fee and dine at restaurants often. You’ll earn double your dollars in Delta SkyMiles, which you can redeem toward flights or shopping at the SkyMiles Marketplace. It’s the only Delta card offering 2 miles for each dollar you spend at US restaurants.

But if you make at least two round trips per year with Delta, the Gold Delta SkyMiles® Credit Card from American Express could be a better choice. It waives fees for your first checked bag, which can save you up to $60 round trip. With just two round trips per year, you’ll offset the card’s annual fee of $95 (see rates & fees), and you’ll get to enjoy benefits such as priority boarding and discounted Delta Sky Club access for you and two guests.

Apply now

Upcoming benefits changes to the Blue Delta SkyMiles® Credit Card from American Express in 2020

Amex recently announced it’ll remove or reduce certain Blue Delta SkyMiles® Credit Card from American Express coverages starting January 1, 2020. At this time, it has not announced changes to the card’s Global Assist, trip cancellation, trip delay reimbursement or Baggage Insurance Plan benefits.

Planned changes include:

  • Reduced extended warranties from two years to one year.
  • Reduced purchase protection from 120 days to 90 days.
  • Removal of travel accident insurance.
  • Removal of roadside assistance.
  • Removal of return protection.

The perks

  • Welcome offer.

    Spend $500 on purchases in the first 3 months of your account opening and earn 10,000 bonus miles. This is relatively easy to achieve compared to the welcome bonus offered by other cards.

  • Earn miles.

    Purchases at US restaurants and purchases directly made with Delta earn you 2x miles. For all other purchases, you’ll earn 1 miles per dollar. Redeem your miles for flights, gift cards, excursions, shopping and more.

You’ll also like

  • No annual fee.

    The Blue Delta SkyMiles® Credit Card from American Express has an annual fee of $0 (see rates & fees).

  • In-flight savings.

    Get 20% back in statement credit for all in-flight purchases when flying Delta. Food, beverages and audio headsets all qualify for the statement credit.

  • Car rental insurance.

    Use your Blue Delta SkyMiles® Credit Card from American Express to pay for your rental car and decline the collision damage waiver, and you’ll be covered if your car is damaged or stolen.

  • Global assist hotline.

    Get 24/7 access to legal, medical, financial or any other assistance, which can help with missing luggage or replacing your passport.

  • Purchase protection.

    Get free expedited shipping from ShopRunner and get protection against accidental damage or theft of your phone or other eligible items.

  • Fraud protection.

    Call American Express about any unauthorized transactions and you won’t be held responsible.

Apply now

What to watch out for

  • No intro APR for balance transfers and purchases.

    None of the Delta cards offer an intro APR for balance transfers and purchases.

  • High APR for balance transfers and purchases.

    All Delta cards have a relatively high APR for balance transfers and purchases when compared to other credit cards. The Blue Delta SkyMiles® Credit Card from American Express has an APR of 17.24% to 26.24% variable.

  • Foreign transaction fees.

    This card is meant for the occasional Delta flyer, but if you travel abroad you’ll likely want to try to limit your payments with it. Every international transaction with the card attracts a 2.7% fee.

  • Avoid late payments.

    Make the minimum payment within 60 days after its due date to avoid a penalty APR of 29.99% variable.

Top American Express credit cards with no annual fee

How much are SkyMiles worth?

SkyMiles value varies for different products or services that you want to redeem them for. You can explore your options on the Delta SkyMiles Redemption site. Here are some examples of what you might get as of June 2018:

  • Buy a $250 gift card for 35,700 miles — a value of 0.70 cents per mile.
  • Buy a $79 American Tourister Moonlight carry-on 21″ for 21,900 miles — a value of 0.36 cents per mile.
  • Buy a $540 Citizen Men’s Blue Angels World Chronograph watch for 83,600 miles — a value of 0.64 cents per mile.
  • Airfare purchases start at $130 for 10,000 miles — a value of 1.30 cent per mile.

To make the most out of your Blue Delta SkyMiles® Credit Card from American Express, use your miles toward purchasing flight tickets. That way you’ll get the highest value of dollar per mile.

How does the Delta SkyMiles program work?

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
30,000 points after spending $2,000 in the first 3 months
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

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What should I know before I apply?

Eligibility requirements
To apply you must be:
  • At least 18 years old
  • A US citizen or permanent resident of the US

Required information and documents

  • Name and address
  • Email and phone number
  • Social Security number and date of birth
  • Annual income and income sources

What credit score do I need?

You can apply with a credit score in the low 600s. But to get a high credit limit and a lower APR on purchases and balance transfers, apply with a good to excellent credit score of 670 or higher.

American Express usually pulls your credit report from Experian.

What do customers say about the Blue Delta SkyMiles® Credit Card from American Express?

Customers generally like the card because it lets them earn miles for a $0 annual fee. They also love the option to earn 2 miles per dollar spent at US restaurants, something that other Delta cards don’t offer.

American Express has been accredited with the Better Business Bureau since 1948, and it earns an A+ rating. However, many customers complained of poor customer service of the credit company in general, as well as problems with the products and services. To avoid surprises, make sure to read and understand the card’s terms.

How to apply for the Blue Delta SkyMiles® Credit Card from American Express

  1. Click apply now.
  2. Complete the form with the requested information.
  3. Review your application and submit it.

You can also apply by phone at 1-800-243-3888.

Blue Delta SkyMiles Credit Card form

How long will it take to get my Blue Delta SkyMiles® Credit Card from American Express?

American Express can instantly approve your application, and you’ll receive your card in 7 to 10 business days.

I got the card. Now what?

  • Set up autopay. Download the Amex® mobile app or sign up at the American Express website and set up automatic payments. This way, you’ll always pay on time and avoid paying unnecessary fees and interest.
  • Enroll in ShopRunner. With ShopRunner you get 2-day free shipping at more than 100 online retailers. And if you don’t like the item you purchased, return it for free.
  • Contact customer service. Call American Express customer service at 1-800-528-4800 with any questions you may have. If you prefer to chat with a customer service rep online, visit the American Express website.

Bottom line

For the occasional Delta flyer who wants to earn miles while dining out without paying an annual fee, the Blue Delta SkyMiles® Credit Card from American Express may be a good choice. Alternatively, you can use this card in addition to another Delta card and earn more miles.

Otherwise, you may want to consider the Gold Delta SkyMiles® Credit Card from American Express, which offers priority boarding, discounted Delta Sky Club access and a free first checked bag — you can save $60 per person per round trip on this perk alone.

You may find that none of the Delta cards fit what you’re looking for, and that’s alright. Take your time and compare other credit cards to find the best one that suits your needs.

Frequently asked questions

Images: americanexpress.com

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