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Earn miles and enjoy perks and benefits when flying Delta.
With each of Delta’s four 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.
Our pick for a Delta credit card
Gold Delta SkyMiles® Credit Card from American Express
Earn 30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
Want even more flexibility? Pay with Miles is a card member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
Settle into your seat sooner with priority boarding.
Enjoy a $0 introductory annual fee for the first year, then $95.
Best card for the occasional Delta flyer: Gold Delta SkyMiles® Credit Card from American Express
Gold Delta SkyMiles® Credit Card from American Express
Earn 30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
Want even more flexibility? Pay with Miles is a card member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
Settle into your seat sooner with priority boarding.
Enjoy a $0 introductory annual fee for the first year, then $95.
See Rates & FeesIf you make at least two round trips per year, the Gold Delta SkyMiles® Credit Card from American Express 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. Everything else you buy earns 1x miles.
Welcome offer. Spend $1,000 on purchases within your first 3 months of card membership and earn 30,000 bonus miles. After you make your first Delta purchase during the same period, get $50 in statement credit.
First checked bag free. Save $50 on a round trip with the first checked bag free feature. Up to nine passengers on your reservation can benefit from this perk.
Priority boarding. Get on your plane sooner with priority boarding.
In-flight savings. Save 20% on in-flight purchases like food, beverages or headsets. Get your savings in the form of a statement credit.
Annual fee. There’s no annual fee for the first year. But starting from the second, you’ll pay a $95 annual fee.
Penalty APR. For one late or returned payment, you’ll pay a fee and incur a penalty APR of 29.99% variable. Once applied, the APR will last for six months or more.
Best for the frequent flyer: Platinum Delta SkyMiles® Credit Card
Platinum Delta SkyMiles® Credit Card
Earn 35,000 bonus miles and 10,000 Medallion® Qualification Miles(MQMs) after spending $1,000 in purchases on your new card in your first 3 months.
See Rates & Fees The Platinum Delta SkyMiles® Credit 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 and earn more miles.
Delta SkyMiles. Earn 2x miles on eligible Delta purchases like flight tickets, food or beverages and movies. On all other purchases, earn 1x miles. Redeem miles for flights on Delta and partner airlines.
Welcome offer. Spend $1,000 on purchases within 3 months of your account opening and earn 35,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs). Also, earn $100 in statement credit after you make your first Delta purchase during the same period.
Miles boost. Spend $25,000 or more on purchases in a calendar year to earn 10,000 bonus miles and 10,000 MQMs. If you spend $50,000 or more, you can get an additional 10,000 bonus miles and 10,000 MQMs. These bonuses can help you achieve Silver Medallion Status, which gets you access to exclusive benefits.
Companion certificate. When you renew your card, receive a domestic main-cabin round-trip companion certificate.
Reduced price for Delta Sky Clubs®. Buy entry into the Delta Sky Club® for you and up to two guests for a reduced price of $29 each. Standard single visit pass costs $59 per person.
Annual fee. You’ll have to pay an annual fee of $195.
Penalty APR. It only takes one late or returned payment to incur a penalty APR of 29.99% variable. And if you fail to pay on time during the following six consecutive months, it may last indefinitely.
Taxes and fees on companion certificate. You’ll have to pay all taxes and fees of up to $75 for round-trip domestic flights when you use the companion certificate.
Best for luxury perks: Delta Reserve® Credit Card from American Express
Delta Reserve® Credit Card from American Express
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40,000 bonus miles after you spend $3,000 in purchases on your new card in your first 3 months.
See Rates & FeesDelta flyers who are frequently in the air and spend more than $30,000 on purchases per year could find the Delta Reserve® Credit Card from American Express and its perks useful. With this card, you should be able to quickly reach a higher tier Medallion Status and earn even more miles on your purchases while enjoying luxury perks.
Delta SkyMiles. Earn 2x 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.
Miles boost. Spend $30,000 on purchases in a calendar year and earn 15,000 bonus miles and 15,000 MQMs. Spend a total of $60,000 and get an additional 10,000 bonus miles and 15,000 MQMs. This will help you achieve Silver Medallion Status, which grants you exclusive benefits.
Companion certificate. Receive a domestic, first class, Delta Comfort+® or main cabin round-trip companion certificate each year you renew your card.
Complimentary Delta Sky Club® access. Take a break and enjoy snacks and beverages, free Wi-Fi, personalized flight assistance, private restrooms and more without paying for access. Get discounted access of $29 for up to two guests when flying Delta.
Concierge service. Get 24/7 assistance for selecting a restaurant, arranging details of a special event or to get expert advice for selecting the right gift.
Annual fee. Exclusive perks come with an expensive price tag — in this case, it’s a $450 annual fee. However, if you frequently fly Delta and use the card’s perks, the card pays for itself.
Penalty APR. You can incur a penalty APR of 29.99% variable with a single late or returned payment. Once applied, the penalty APR may last six months or more.
Taxes and fees on companion certificate. To use the companion certificate, you’ll have to pay taxes and fees of up to $75.
Best for no annual fee: Blue Delta SkyMiles® Credit Card from American Express
Blue Delta SkyMiles® Credit Card from American Express
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
No annual fee.
Earn 2 miles per dollar at US restaurants.
Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Receive a 20% in-flight 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.
See Rates & Fees The Blue Delta SkyMiles® Credit Card from American Express is the only Delta card that has no annual fee. It’s also the only Delta card that earns 2x miles at US restaurants. It can be ideal for the occasional Delta flyer or the frequent Delta flyer who wants to maximize their miles by combining this card with another Delta card.
Earn miles. Purchases made at US restaurants 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 annual fee. Own the card without paying an annual fee.
Foreign transaction fee. Avoid using this card abroad, or you’ll pay a fee up to 2.7% of each transaction.
Penalty APR. If you don’t make your payment on time or it’s returned by the bank, you’ll pay a fee and get stuck with a penalty APR of 29.99% variable. The APR will last a minimum of six months.
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 Gold Delta SkyMiles® Credit Card from American Express 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.
Do I want a Delta card without an annual fee? Only the Blue Delta SkyMiles® Credit Card from American Express has no annual fee. And it’s the only card that earns 2x miles at restaurants. If you travel frequently and combine it with another Delta card, you can maximize your mile earning.
How much do I spend annually? If you spend less than $20,000 with your card, the Gold Delta SkyMiles® Credit Card from American Express could be the right choice. If you spend more than $25,000, the Platinum Delta SkyMiles® Credit Card is worth considering. And if you spend more than $30,000 annually and want the ultimate Delta perks, the Delta Reserve® Credit Card from American Express could be worth adding to your wallet.
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.
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.
AeroMexico
Air France
Alitalia
China Eastern
GOL
KLM
Korean Air
Jet Airways
Virgin Atlantic
Virgin Australia
Air Europa
Kenya Airways
Middle East Airlines
Saudia Airlines
TAROM
Aeroflot
Aerolíneas Argentina
China Airlines
China Southern
Czech Airlines
Garuda
Vietnam Airlines
Xiamen Airlines
Hawaiian Airlines
WestJet
This is a tiered program that gives you benefits like unlimited complimentary upgrades for you and your companion to Delta Comfort+ and first class, waived baggage fees, priority customer service and more.
Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.
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