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Compare Delta credit cards

Earn miles and enjoy perks like priority boarding.

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Fact checked
With each of Delta’s four personal credit cards, you earn miles on your Delta purchases and its partner airlines. The major differences between the cards are how much they cost and what additional perks you get.

Best Delta credit cards

Best card for the occasional Delta flyer

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card logo
Finder Rating: 4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$99 ongoing
Annual fee
Up to 2x
Miles
35,000
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 35,000 bonus miles.
  • 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 15.74% to 24.74% variable
Welcome offer 35,000 miles after spending $1,000 in the first 3 months
Rewards 2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases

Best for the frequent flyer

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card logo
Finder Rating: 4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$250
Annual fee
Up to 3x
Miles
40,000
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, food or beverages and movies. Earn 3x miles at hotels and 2x 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 $2,000 on purchases within 3 months of your account opening and earn 40,000 bonus miles and 5,000 MQMs. Plus, earn a 100 statement credit in the same timeframe.
  • 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 15.74% to 24.74% variable
Welcome offer 40,000 miles and 5,000 MQMs after spending $2,000 in the first 3 months plus $100 after making a Delta purchase in the first 3 months
Rewards 3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases

Best for luxury perks

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$550
Annual fee
Up to 3x
Miles
40,000
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 40,000 bonus miles and 10,000 MQMs.
  • 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 15.74% to 24.74% variable
Welcome offer 40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months
Rewards 3x miles on direct Delta purchases and 1x miles on all other purchases

Best for no annual fee

Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Blue American Express Card logo
Finder Rating: 3.6 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

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.
  • 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. This offer expires on April 1, 2020.
  • 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.
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
Rewards 2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases

Compare Delta credit cards

Compare the perks and features of Delta credit cards to find the one with the highest value for your wallet.

Name Product Filter values Rewards Purchase APR Annual fee
Delta SkyMiles® Gold American Express Card
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $490, plus rewards on everyday purchases and Delta flights, this card offers value even for occasional flyers. Rates & fees
Delta SkyMiles® Blue American Express Card
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
$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
Delta SkyMiles® Platinum American Express Card
3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases
15.74% to 24.74% variable
$250
Earn 40,000 miles and 5,000 MQMs after spending $2,000 in the first 3 months, plus $100 after making a Delta purchase in the first 3 months. Rates & fees
Delta SkyMiles® Reserve American Express Card
3x miles on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
$550
Earn 40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months. Rates & fees
Delta SkyMiles® Gold Business American Express Card
2x miles on Delta, US shipping, select US advertising and at restaurants and 1x miles on all other purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 40,000 miles after spending $2,000 in the first 3 months. Rates & fees
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How to compare Delta credit cards

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.

Consider a credit card from another airline

United℠ Explorer Card

  • $0 first-year intro annual fee, then $95.
  • Signup bonus: 40,000 miles after you make $2,000 in purchases within the first 3 months of account opening.
  • 2x miles on United purchases, hotel stays and restaurant purchases.
  • Credit every four years for your Global Entry or TSA PreCheck application fee.
  • 25% back as statement credit on United inflight purchases. Plus, priority boarding and your first checked bag free on United-operated flights.
  • 2 United Club one-time passes each card anniversary.
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See Rates & Fees

Bottom line

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.

Frequently asked questions

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