Blue Delta SkyMiles Credit Card review | finder.com

Blue Delta SkyMiles® Credit Card from American Express review – March 2019

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Blue Delta SkyMiles® Credit Card from American Express Learn more Apply now

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  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
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Pay no annual fee to earn 2x miles at US restaurants, and redeem miles toward flights.

30-second take

  • 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 680 or higher.
Product NameBlue Delta SkyMiles® Credit Card from American Express
Card TypeAmerican Express
Annual Fee$0
APR (Annual Percentage Rate) for Purchases17.99% to 26.99% variable
Introductory Purchase APR

N/A

Balance Transfer APR17.99% to 26.99% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.49% variable
Foreign Transaction Fee2.7% of the transaction value
Cash Advance Fee$5 or 3% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $38
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer10,000 miles after spending $500 in the first 3 months
Rewards2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
Base Rewards1x miles
Apply now

The basics

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, and you’ll get to enjoy benefits such as priority boarding and discounted Delta Sky Club access for you and two guests.

TIP: If you’re considering a higher-end Delta card — or if you already have one — and you want to earn more miles, you can always get the Blue Delta SkyMiles® Credit Card from American Express to compliment your other Delta card and earn 2 miles per dollar spent at US restaurants. Plus, you can easily clear the welcome offer and grab the bonus miles offered.

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?

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.

Limited-time Delta offers

You’ll also like

  • No annual fee.

    The Blue Delta SkyMiles® Credit Card from American Express has an annual fee of $0.

  • 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.

    If you don’t like the item you bought and the merchant won’t take it back within 90 days of purchase — you may get a refund by American Express. Also, 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. For a card that has an intro APR and lets you earn miles at the same time, consider the Discover it® Miles Travel Credit Card.

  • 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 17.99% to 26.99% 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

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Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Plus $100 after making a Delta purchase in the same time. 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
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $5,000 in the first 3 months
2x miles on direct Delta purchases and 1x miles on all other purchases
$450
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you spend $5,000 in purchases on your new card in your first 3 months. Rates & Fees
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
20,000 bonus LifeMiles after first card use
2x miles on Avianca purchases, 1x miles on all other purchases. Plus a 15% discount on purchases of miles with Multiply Your Miles
$59
20,000 bonus LifeMiles after first card use
40,000 bonus LifeMiles after first card use
3x miles on Avianca purchases, 2x miles at gas stations and grocery stores and 1x miles on all other purchases. Plus 15% discount on purchases of miles with Multiply Your Miles
$149
40,000 bonus LifeMiles after first card use
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.

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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 680 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

Disclaimer

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Images: americanexpress.com

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