Delta offers a surprisingly robust selection of cobranded credit cards, at least doubling the number you’d find from another airline. There’s a Delta card for nearly any type of traveler, ranging from the occasional flyer to those who like to travel in style. We weighed the pros and cons of each card to help you decide which card is best suited for your travel and spending needs.
When choosing our top Delta picks, we looked at features such as cashback rates, annual fees, earning categories, Delta benefits and other factors that a consumer might find compelling in a travel card. Those cards that outperformed the others in a given category were chosen for our list.
Best card for the occasional Delta flyer
Delta SkyMiles® Gold American Express Card
670
Min. credit score
$99
ongoing
Annual fee
Up to
2x
Miles
40,000
Miles welcome offer
If you make at least two round trips per year, the Delta SkyMiles® Gold American Express Card could be your best choice. It takes only those two round trips to save enough money on checked bags to offset the annual fee, making everything else you earn a plus.
- Delta SkyMiles. Earn 2x miles on your Delta purchases. This includes flights, seat upgrades and in-flight purchases. Also, earn 2x miles at restaurants worldwide and at US supermarkets. Everything else you buy earns 1x miles. This is the same rewards rate you would earn with the more expensive Delta credit cards.
- Welcome offer. Spend $1,000 on purchases within your first 3 months of card membership and earn 40,000 bonus miles. Plus, earn up to $100 back in statement credits on eligible US restaurant purchases during that same time frame.
- First checked bag free. Save $60 on a round trip with the first checked bag free feature. Up to nine passengers on your reservation can benefit from this perk.
- Annual fee. For the first year, you get an intro $0 annual fee. From the second year onward, you'll pay a $99 annual fee.
- No intro APR period. You don't get a 0% intro APR period on purchases or balance transfers.
| Annual Fee |
$0 intro annual fee for the first year ($99 thereafter)
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|---|
| Purchase APR |
15.74% to 24.74% variable
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|---|
| Balance transfer APR |
N/A
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|---|
| Welcome offer |
Earn 40,000 bonus miles after spending $1,000 in the first 3 months.
Also, earn up to $50 back in statement credits for purchases at US restaurants within the first 3 months of membership
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| Estimated welcome offer value |
$560 based on Finder's valuation
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| Rewards |
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other eligible purchases
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Terms apply to American Express benefits and offers.
Best for the frequent flyer
Delta SkyMiles® Platinum American Express Card
670
Min. credit score
$250
Annual fee
Up to
3x
Miles
50,000
Miles welcome offer
The Delta SkyMiles® Platinum American Express Card is aimed at the frequent Delta flyer who spends between $25,000 and $50,000 on purchases annually with their card. Spending in this range helps you reach Medallion Status faster.
- Delta SkyMiles. Earn 3x miles on eligible Delta purchases like flight tickets, in-flight food or beverages and movies. Also, earn 3x miles directly with hotels. On all other purchases, earn 1x miles. Redeem miles for flights on Delta and partner airlines.
- Welcome offer. Earn 50,000 bonus miles and 5REWARDS.BONUS_POINTS_SECONDARY }} Medallion Qualification Miles (MQMs) after you spend $2,000 on purchases within 3 months of your account opening. Also earn up to $100 back in statement credits on US restaurant purchases during the same time frame.
- Companion certificate. When you renew your card, receive a Domestic Main Cabin round-trip companion certificate.
- Annual fee. This card will cost you $250 each year.
- Taxes and fees on companion certificate. To use the companion certificate for a domestic flight, expect to pay taxes and fees of up to $75 out of pocket.
| Annual Fee |
$250
|
|---|
| Purchase APR |
15.74% to 24.74% variable
|
|---|
| Balance transfer APR |
N/A
|
|---|
| Welcome offer |
Earn 50,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after spending $2,000 in the first 3 months.
Also, earn up to $100 back in statement credits for purchases at US restaurants within the first 3 months of membership.
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|---|
| Estimated welcome offer value |
$700 based on Finder's valuation
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|---|
| Rewards |
3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles on all other eligible purchases
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|---|
Terms apply to American Express benefits and offers.
Best for luxury perks
Delta SkyMiles® Reserve American Express Card
670
Min. credit score
$550
Annual fee
Up to
3x
Miles
50,000
Miles welcome offer
Delta flyers who are frequently in the air and spend more than $30,000 on purchases per year could find the Delta SkyMiles® Reserve American Express Card and its perks useful. With this card, you should be able to quickly reach a higher Medallion Status tier while enjoying luxury perks.
- Delta SkyMiles. Earn 3x miles on eligible Delta purchases like flight tickets and upgrades, and in-flight purchases of food, beverages and movies. On everything else you buy, earn 1x miles.
- Welcome offer. Spend $3,000 on purchases during your first 3 months of card membership and earn 50,000 bonus miles and 10,000 MQMs. You'll also earn up to $100 on eligible US restaurant purchases made in the same time frame.
- Companion certificate. Receive a Domestic First Class, Delta Comfort+ or Domestic Main Cabin round-trip companion certificate every year upon card renewal.
- Annual fee. Premium perks come with a premium price. Expect to pay $550 each year to own the card.
- No intro APR period. You don't get to save money on interest with a 0% intro APR period on purchases or balance transfers.
| Annual Fee |
$550
|
|---|
| Purchase APR |
15.74% to 24.74% variable
|
|---|
| Balance transfer APR |
N/A
|
|---|
| Welcome offer |
Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after spending $3,000 in your first 3 months.
Also, earn up to $100 back in statement credits for purchases at US restaurants within the first 3 months.
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|---|
| Estimated welcome offer value |
$700 based on Finder's valuation
|
|---|
| Rewards |
3x miles on direct Delta purchases and 1x miles on all other eligible purchases.
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|---|
Terms apply to American Express benefits and offers.
Best for no annual fee
Delta SkyMiles® Blue American Express Card
670
Min. credit score
$0
Annual fee
Up to
2x
Miles
10,000
Miles welcome offer
The Delta SkyMiles® Blue American Express Card is the only Delta card that has no annual fee. It can be ideal for the occasional Delta flyer, though is far more simplistic than its brethren.
- Earn miles. Purchases made at restaurants worldwide and with Delta earn 2x miles. All other purchases earn 1x miles.
- Welcome offer. Spend $500 on purchases in your first 3 months of card membership and earn 10,000 bonus miles.
- In-flight savings. Save 20% on your in-flight Delta purchases of food, beverages and headsets. You get your savings as statement credit.
- No intro APR period. The card doesn't offer a 0% intro APR period on purchases or balance transfers.
- Few perks. The Delta Blue lacks many of the Delta perks that make the other cards so valuable.
| Annual Fee |
$0
|
|---|
| Purchase APR |
15.74% to 24.74% variable
|
|---|
| Balance transfer APR |
N/A
|
|---|
| Welcome offer |
10,000 miles after spending $500 in the first 3 months
|
|---|
| Estimated welcome offer value |
|
|---|
| Rewards |
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
|
|---|
Terms apply to American Express benefits and offers.
Best business card for the occasional Delta flyer
Delta SkyMiles® Gold Business American Express Card
670
Min. credit score
$99
ongoing
Annual fee
Up to
2x
Miles
$50
Miles welcome offer
Like the personal card, the Delta SkyMiles® Gold Business American Express Card is a solid card for those who just occasionally travel with Delta. It's a low-cost investment that can save you cash with just a few flights.
- Delta SkyMiles. Earn 2x miles on your Delta purchases. This includes flights, seat upgrades and in-flight purchases. Also, earn 2x miles at restaurants worldwide and at US supermarkets. Everything else you buy earns 1x miles. This is the same rewards rate you would earn with the more expensive Delta credit cards.
- Welcome offer. Spend $2,000 on purchases within your first 3 months of card membership and earn 50,000 bonus miles plus a $50 statement credit.
- First checked bag free. Save $60 on a round trip with the first checked bag free feature. Up to nine passengers on your reservation can benefit from this perk.
- Annual fee. For the first year, you get an intro $0 annual fee. From the second year onward, you'll pay a $99 annual fee.
- No intro APR period. You don't get a 0% intro APR period on purchases or balance transfers.
| Annual Fee |
$0 intro annual fee for the first year ($99 thereafter)
|
|---|
| Purchase APR |
15.74% to 24.74% variable
|
|---|
| Balance transfer APR |
N/A
|
|---|
| Welcome offer |
Welcome Offer: Earn 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new Card in your first 3 months.
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|---|
| Estimated welcome offer value |
|
|---|
| Rewards |
2x miles on Delta, US shipping, select US advertising and at restaurants and 1x miles on all other purchases
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Best for the frequent flyer
Delta SkyMiles® Platinum Business American Express Card
670
Min. credit score
$250
Annual fee
Up to
3x
Miles
$100
Miles welcome offer
The Delta SkyMiles® Platinum Business American Express Card is great for mid-sized businesses that engage is occasional travel and want to push their flight perks to the next level through MQMs.
- Delta SkyMiles. Earn 3x miles on eligible Delta purchases like flight tickets, food or beverages and movies. Earn 3x miles at hotels and x miles at restaurants worldwide and US supermarkets. On all other purchases, earn 1x miles. Redeem miles for flights on Delta and partner airlines.
- Welcome offer. Spend $3,000 on purchases within 3 months of your account opening and earn 60,000 bonus miles plus a $100 statement credit.
- Companion certificate. When you renew your card, receive a Domestic Main Cabin round-trip companion certificate.
- Annual fee. This card will cost you $250 each year.
- Taxes and fees on companion certificate. To use the companion certificate for a domestic flight, expect to pay taxes and fees of up to $75 out of pocket.
| Annual Fee |
$250
|
|---|
| Purchase APR |
15.74% to 24.74% variable
|
|---|
| Balance transfer APR |
N/A
|
|---|
| Welcome offer |
Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
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|---|
| Estimated welcome offer value |
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|---|
| Rewards |
3x miles on direct Delta and hotel purchases, 1.5x miles on single purchases over $5,000 up to 50,000 miles per year, and 1x miles on all other purchases
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|---|
Best for luxury perks
Delta SkyMiles® Reserve Business American Express Card
670
Min. credit score
$550
Annual fee
Up to
3x
Miles
$100
Miles welcome offer
Big business spenders who fly Delta frequently will want to scope out the Delta SkyMiles® Reserve Business American Express Card. The big MQM earning potential and luxury perks make this a great card for traveling in style and a big value play for the price.
- Delta SkyMiles. Earn 3x miles on eligible Delta purchases like flight tickets and upgrades, and in-flight purchases of food, beverages and movies. On everything else you buy, earn 1x miles.
- Welcome offer. Spend $4,000 on purchases during your first 3 months of card membership and earn 60,000 bonus miles, 20,000 MQMs and a $200 statement credit.
- Companion certificate. Receive a Domestic First Class, Delta Comfort+ or Domestic Main Cabin round trip companion certificate every year upon card renewal.
- Annual fee. Big price. Expect to pay $550 each year to own the card.
- No intro APR period. You don't get to save money on interest with a 0% intro APR period on purchases or balance transfers.
| Annual Fee |
$550
|
|---|
| Purchase APR |
15.74% to 24.74% variable
|
|---|
| Balance transfer APR |
N/A
|
|---|
| Welcome offer |
Welcome Offer: Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new Card in your first 3 months.
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|---|
| Estimated welcome offer value |
|
|---|
| Rewards |
3x miles on direct Delta purchases and 1x miles on all other purchases on up to $150,000 in a calendar year, then 1.5x miles on non-Delta purchases the rest of the year
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What’s changed in 2021
Delta refreshed the welcome offer on all of its cards.
Here’s a side-by-side look at the perks you’ll find in each Delta card, along with how much they cost to use each year.
| Annual fee | $0 | $0 for your first year, $99 thereafter | $250 | $550 |
| Free checked bags | – | First checked bag | First checked bag | First checked bag |
| Medallion Qualifying Miles | – | – | 10,000 after spending $25,000 in a calendar year. This bonus can be earned twice a year. | 10,000 with welcome offer; 15,000 after spending $30,000 in a calendar year. This bonus can be earned four times a year. |
| Companion certificate | – | – | One each year upon card renewal | One each year upon card renewal |
| Priority boarding | – | Main Cabin 1 | Main Cabin 1 | Main Cabin 1 |
| Delta SkyClub access | – | – | Discounted entry for $39 | Complimentary access and two one-time guest passes each year you renew;
Complimentary Centurion lounge access if you book your flight with your Delta card |
| In-flight discounts | 20% back on food, beverages and audio headsets | 20% back on food, beverages and audio headsets | 20% back on food, beverages and audio headsets | 20% back on food, beverages and audio headsets |
| TSA PreCheck or Global Entry fee credit | – | – | $100 every four years | $100 every four years |
| Baggage, trip delay and car rental insurance | Car rental loss and damage | Car rental loss and damage | Baggage delay, trip delay, and car rental loss and damage | Baggage insurance, trip delay, trip cancellation, car rental loss and damage |
Delta offers three business cards, and they’re similar in pricing and feature structure to the airline’s personal cards.
| Annual fee | $0 for your first year, $99 thereafter | $250 | $550 |
| Free checked bags | First checked bag | First checked bag | First checked bag |
| Medallion Qualifying Miles | – | 5,000 with welcome offer; 10,000 after spending $25,000 in a calendar year. This bonus can be earned twice a year. | 10,000 with welcome offer; 15,000 after spending $30,000 in a calendar year. This bonus can be earned four times a year. |
| Companion certificate | – | One each year upon card renewal | One each year upon card renewal |
| Priority boarding | Main Cabin 1 | Main Cabin 1 | Main Cabin 1 |
| Delta SkyClub access | – | Discounted entry for $39 | Complimentary access and two one-time guest passes each year you renew;
Complimentary Centurion lounge access if you book your flight with your Delta card |
| In-flight discounts | 20% back on food, beverages and audio headsets | 20% back on food, beverages and audio headsets | 20% back on food, beverages and audio headsets |
| TSA PreCheck or Global Entry fee credit | – | $100 every four years | $100 every four years |
| Baggage, trip delay and car rental insurance | Baggage insurance, Car rental loss and damage | Baggage insurance, trip delay, and car rental loss and damage | Baggage insurance, trip delay, trip cancellation, car rental loss and damage |
Whether you should get a Delta — or at least whether a Delta credit card would be useful in your wallet — is pretty simple to determine.
You should get a Delta card if: You exclusively fly Delta for travel, you want to earn additional miles and you want additional perks or luxuries during your flights. The higher-end Delta cards are packed with plenty of value. In fact, the annual companion certificates included on the Platinum essentially pays for the cost of the card. Add on the other perks, such as Sky Club discounts, travel coverage and free checked bags, and you’ll have no trouble justifying adding a Delta card to your wallet.
You should pick something else if: you don’t fly Delta very often or you want to use your credit card rewards on more than just flights. Like most cobranded cards, picking up a Delta card is a little harder to justify if you tend to fly with a variety of airlines.
To choose the right Delta credit card, ask yourself:
- How often do I fly Delta? If you make at least two round trips annually, the Delta SkyMiles® Gold American Express Card should be enough. With the first-checked-bag-free perk, you’ll offset your annual fee and earn Delta perks and miles along the way. Note that some benefits apply to all Delta credit cards, such as discounts on in-flight meals.
- Do I want a Delta card without an annual fee? Only the Delta SkyMiles® Blue American Express Card has no annual fee.
- How much do I spend annually? If you spend less than $25,000 with your card each year, the Delta SkyMiles® Blue American Express Card or Delta SkyMiles® Gold American Express Card could be the right choice. If you spend $25,000 or more annually, the Delta SkyMiles® Platinum American Express Card is worth considering. And if you spend $30,000 or more annually and want the ultimate Delta perks, the Delta SkyMiles® Reserve American Express Card could be worth adding to your wallet.
- Will I use these features? To make the annual fees of the higher tier Delta credit cards worth it, you have to reliably make use of each card’s perks each year. If you don’t see yourself using those perks, you might want to choose a card with a less expensive annual fee and fewer perks.
There are many strategies to earn Delta SkyMiles quickly. When you book a flight, enter your SkyMiles number and earn additional 5x miles on Delta flight purchases. Also, once you reach Medallion Status, you can earn from seven to 11 additional miles per dollar, depending on your Medallion Status tier. You can find more information about moving through these elite tiers at our Delta SkyMiles guide.
For the best ways to spend your newly earned miles, check out our SkyMiles redemption guide to squeeze the most value from your redemptions.
The Delta SkyMiles program offers several features, many affected by the type of credit card you have. Here are the most common features you’re likely to encounter and our corresponding guides.
- Companion certificate. A Delta companion certificate allows you to bring one companion along on a flight you’ve booked, for the cost of just taxes and fees.
- Free checked bags. Most Delta credit cards grant you one free checked bag per flight.
- Priority boarding. Priority boarding allows you to move to the front of the Delta waiting line for seating.
- Flight upgrades. You can upgrade your Delta seating and flights using cash or Delta SkyMiles.
- Skyclub lounges. Chill out at a Delta SkyClub lounge before your flight and enjoy food, beverages and comfortable seating.
- In-flight meals. Several Delta cards offer discounts on your in-flight meals.
- SkyMiles Dining. The Delta dining program allows you to earn Delta SkyMiles when you dine at participating restaurants.
- SkyMiles Shopping. Similar to the SkyMiles Dining program, this program allows you to earn Delta SkyMiles when you make purchases at participating retailers.
Compare the perks and features of Delta credit cards to find the one with the highest value for your wallet.
Amex Membership Rewards cards allow you to transfer your Amex points to Delta at a 1:1 ratio, in increments of 1,000, or you can simply redeem your points for a Delta flight. The main benefit to picking an Amex reward card over the Delta cobranded card is in a greater earning and redeeming flexibility. The two most popular credit card choices are:
- The Platinum Card® from American Express. This card costs $695 annually, but it comes with premium perks like a $200 annual airline fee credit, $200 annual Uber credit, a complimentary Hilton and Marriott gold elite status after you enroll and more. On top of that, you get to earn massive rewards on flights booked directly with the airlines and on prepaid hotels. (Terms apply, see rates & fees).
- American Express® Gold Card. This card is mostly designed for foodies because you earn a generous rewards rate at US restaurants and you get $10 in monthly statement credits to use at participating restaurants when you enroll. What’s more, you also get generous rewards rates at US supermarkets, and flights. The only downside is that it costs $250 annually. (Terms apply, see rates & fees).
Delta credit cards can be useful if you fly with the airline often. You get to enjoy travel perks while earning miles that you can redeem for flights. But to choose the right card, consider how frequently you fly Delta and how much you spend on flights.
Check out more travel credit cards if you’re still trying to figure out which card will make the best travel companion.
