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Best Delta SkyMiles Credit Cards of October 2024

American Express partners with many brands, including Delta, to give you more bang for your buck when it comes to earning rewards. As of October 2024, the company offers seven Delta credit cards with annual fees ranging from $0 to $650, making it easier than ever to earn Delta SkyMiles based on your spending habits.

We reviewed all seven American Express Delta cards to determine if it’s worth adding one to your wallet. The short answer? Yes. Each card has fees and benefits, but all of them allow you to earn SkyMiles on everyday purchases. You may even qualify for Delta flight credit, luggage insurance*, or other benefits.

Learn more about the pros and cons of each card and discover which one we recommend for your circumstances.

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Best Premium Delta Card with Lounge Access

Delta SkyMiles® Reserve American Express Card

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Up to 3X Reward Rate

Earn 3X miles per dollar on Delta purchases made directly with Delta and 1X miles per dollar on all other eligible purchases.

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Annual Fee
$650
Welcome Offer
70,000 miles
Regular APR
20.49% to 29.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
The Delta SkyMiles® Reserve American Express Card is a premium Delta card with premium perks to boot. For the average spender, its annual fee is likely more expensive than the value they can get from the card but for the loyal, frequent Delta flyer, it’s rich with high-end benefits.
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Card Details

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  • Enjoy complimentary access to the Delta Sky Club® when flying with Delta. Starting 2/1/25, Reserve Card Members will receive 15 annual visits; to unlock unlimited visits each year starting 2/1/25, total eligible purchases on the Card must reach $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you purchase a Delta flight with your Delta SkyMiles® Reserve Card.
  • Your traveling companions can benefit from four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
  • Enhance your Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for every $10 spent on purchases with your Delta SkyMiles® Reserve American Express Card.
  • You can receive a Companion Certificate Main Cabin U.S., Mexico, Caribbean, or Central American roundtrip flights each year after renewing your Card. The Companion Ticket requires payment of government-imposed taxes and fees, up to $80 for roundtrip domestic flights and up to $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn up to $20 per month in statement credits on eligible Resy purchases with U.S. Resy restaurants using your enrolled Card, up to a total of $240 per year with the Resy Credit.
  • Receive up to $10 back each month when you use your enrolled Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% on Award Travel bookings for Delta flights. This discount does not apply to partner-operated flights or to taxes and fees.
  • If you’re not a Medallion Member, you will be added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members when you have an eligible ticket.
  • Benefit from Zone 5 Priority Boarding on Delta flights, allowing you to board early, stow your carry-on bag, and settle in sooner.
  • Pay no foreign transaction fees when traveling overseas.
  • You can know if you’re approved for this card with no impact on your credit score. If you choose to accept, your credit score may be impacted.
  • Terms and limitations apply.
Pros
  • Complimentary access to Delta Sky Clubs & Amex Centurion Lounges
  • Annual Companion Certificate, good for one ticket in the same class you’re in
  • Very generous welcome offer
Cons
  • High annual fee ($650)
  • Low rewards rate on non-Delta spending categories
  • Requires good to excellent credit
Bottom Line

The $650 annual fee on this card is a lot to digest but for the luxury traveler who is loyal to Delta when flying, it holds plenty of value.

Best for Most Delta Flyers

Delta SkyMiles® Gold American Express Card

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Up to 2X Reward Rate

Earn 2X miles on restaurant purchases (plus takeout and delivery in the U.S.), 2X miles at U.S. supermarkets and on Delta purchases, and 1X miles on all other eligible purchases.

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Annual Fee
$0 intro annual fee the first year, then $150
Welcome Offer
50,000 miles
Regular APR
20.49% to 29.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
If you make a habit of flying with Delta Airlines, the Delta Skymiles Gold credit card can reward you handsomely for your travels.
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Card Details

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  • Delta SkyMiles® Gold American Express Card Members can enjoy a 15% discount when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. This discount does not apply to partner-operated flights or to taxes and fees.
  • After spending $10,000 in purchases within a calendar year, you can receive a $200 Delta Flight Credit for future travel.
  • As a Card Member, your first checked bag is free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four, that’s a potential savings of up to $280 per round-trip flight.
  • Benefit from Zone 5 Priority Boarding on Delta flights, allowing you to board early, stow your carry-on bag, and settle in sooner.
  • Delta SkyMiles® Gold American Express Card Members can earn up to a $100 statement credit back each year on eligible prepaid Delta Stays bookings on delta.com.
  • For every 5,000 miles you redeem with Pay With Miles when you book on delta.com, take up to $50 off the cost of your flight.
  • Save 20% on eligible Delta in-flight purchases of food and beverages. Savings are received in the form of a statement credit.
  • Swipe your card freely overseas with no Foreign Transaction Fees.
  • Enroll in Send & Split® to send money and split your Card purchases with any Venmo or PayPal user directly from the Amex App.
  • You can learn if you’re approved for this card without any impact on your credit score. If you are approved and choose to accept, your credit score may be affected.
  • Terms Apply.
Pros
  • Ability to earn a Delta Flight Credit
  • Generous welcome offer
  • Free checked bag
Cons
  • Comparatively high annual fee after the first year
  • Requires good to excellent credit
  • No Sky Club access
Bottom Line

The perks this card delivers can easily make up for the annual fee but may not be worth it if you aren’t a Delta enthusiast.

Best for Companion Tickets

Delta SkyMiles® Platinum American Express Card

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Up to 3X Reward Rate

Earn 3X miles on Delta purchases and purchases made directly with hotels, 2X miles at restaurants worldwide and U.S. supermarkets, and 1X miles on all other eligible purchases.

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Annual Fee
$350
Welcome Offer
60,000 miles
Regular APR
20.49% to 29.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
This card is ideal for travelers who fly with Delta at least once a year and often bring a traveling companion along. Its standout feature is the yearly free companion ticket, which alone can offset the $350 annual fee if fully utilized.
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Card Details

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  • Receive a Companion Certificate for Main Cabin roundtrip flights within the U.S., Mexico, the Caribbean, or Central America each year after your Card renewal. The Companion Ticket requires payment of government-imposed taxes and fees, up to $80 for domestic roundtrip flights and up to $250 for international roundtrip flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Get $2,500 Medallion® Qualification Dollars each Medallion Qualification Year to bring you closer to achieving Medallion Status with MQD Headstart.
  • Delta SkyMiles® Platinum American Express Card Members enjoy a 15% discount when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. This discount does not apply to partner-operated flights or to taxes and fees.
  • Earn $1 Medallion® Qualification Dollar for every $20 spent on your Delta SkyMiles® Platinum American Express Card each calendar year, giving you a boost towards Medallion Status for the next Medallion Year.
  • Your first checked bag is free on Delta flights with your Card, saving up to $70 on a round-trip Delta flight per person.
  • Get Zone 5 Priority Boarding on Delta flights to board early, stow your carry-on bag, and get settled sooner.
  • Receive a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card. If approved for Global Entry, you also get access to TSA PreCheck at no additional charge.
  • Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members and SkyMiles Reserve Card Members.
  • No Foreign Transaction Fees.
  • You can find out if you’re approved for this card without any impact on your credit score. If you choose to accept, your credit score may be affected.
  • Terms Apply.
Pros
  • Free checked bag
  • Priority boarding benefit
  • Annual companion certificate
Cons
  • $350 annual fee
  • No Sky Club access
  • Miles you earn are brand-specific
Bottom Line

The $350 annual fee is a bit high, but if you fly Delta with a traveling buddy at least once per year, the annual Companion Pass can easily make up for the fee.

Best for No Annual Fee

Delta SkyMiles® Blue American Express Card

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Up to 2X Reward Rate

Earn 2X miles on Delta purchases, 2X miles at restaurants worldwide (including takeout and delivery in the U.S.), and 1X miles on other eligible purchases.

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Annual Fee
$0
Welcome Offer
10,000 miles
Regular APR
20.49% to 29.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
We like the Delta SkyMiles Blue American Express Card® because it offers elevated rewards on Delta purchases without charging an annual fee. This card is perfect for the semi-frequent Delta flyer who still wants to rack up rewards but may not use a Delta card quite enough to make an annual fee worth it.
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Card Details

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  • For every 5,000 miles you redeem with Pay With Miles when you book on delta.com, take up to $50 off the cost of your flight.
  • Save 20% on eligible Delta in-flight purchases of food and beverages. Savings are received in the form of a statement credit.
  • Swipe your card freely overseas with no Foreign Transaction Fees.
  • Terms Apply.
Pros
  • No annual fee
  • 20% in-flight savings
  • Easy-to-earn welcome bonus
Cons
  • Low earning rate
  • No free checked bags
  • No priority boarding
Bottom Line

It’s not the highest-earning card out there, but for no annual fee, the rewards are decent for an occasional traveler.

Best for Flexible Luxury Benefits

The Platinum Card® from American Express

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Up to 5X Reward Rate

Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel (on up to $500,000 on these purchases per calendar year), 5X points on prepaid hotels booked with American Express Travel, and 1X points on other eligible purchases.

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Annual Fee
$695
Welcome Offer
80,000 points
Regular APR
See Pay Over Time APR
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
It’s not specifically a Delta card, but the American Express Platinum card boasts a multitude of premium travel perks. If you’re a luxury traveler who knows how to make the most of a credit card’s offerings, this card can reward you well.
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Card Details

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  • $200 Hotel Credit: Receive up to $200 back in statement credits each year for prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when paying with your Platinum Card®. The Hotel Collection requires a two-night minimum stay.
  • $240 Digital Entertainment Credit: Receive up to $20 back in statement credits every month when you make eligible purchases with your Platinum Card®. This offer applies to Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • Escape the hectic nature of the airport with the American Express Global Lounge Collection®. With complimentary access to over 1,400 airport lounges across 140 countries, you can enjoy more airport lounge options than any other credit card issuer. As of 03/2023.
  • $155 Walmart+ Credit: Maximize savings on eligible delivery fees, shipping, and more with a Walmart+ membership. Pay for a monthly Walmart+ membership using your Platinum Card® and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one eligible airline and then get up to $200 in statement credits per calendar year when you are charged incidental fees by the airline to your Platinum Card®.
  • $200 Uber Cash: Receive Uber VIP status and get up to $200 annually ($15 per month, plus a $20 bonus in December) in Uber Cash on Rides or Eats orders in the U.S. Uber Cash and VIP status are only available to Basic Card Members. To receive this benefit you must have downloaded the latest version of the Uber App and your eligible Card must be a method of payment on your Uber account. This benefit may only be used in the United States. Terms apply.
  • $199 CLEAR® Plus Credit: Get to your gate faster at over 50 airports nationwide with CLEAR® Plus and receive up to $199 back per calendar year on your Membership when you use your card. Subject to auto-renewal. CLEARLanes are available at over 100 airports, stadiums, and entertainment venues.
  • Enjoy either a $120 statement credit for a Global Entry application fee every 4 years or a statement credit of up to $85 every 4.5 years for a TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also get access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Use your Platinum Card® to receive up to $100 in statement credits for purchases in Saks Fifth Avenue stores or at saks.com annually (Up to $50 in statement credits semi-annually). Enrollment is required.
  • Add your Platinum Card® to your Resy profile and enjoy access to exclusive reservations and unique dining experiences with Global Dining Access by Resy
  • Terms Apply.
Pros
  • Excellent rewards rate for travel purchases
  • Qualify for $1,500+ in statement credits
  • Very generous welcome offer
Cons
  • High annual fee of $695
  • Many statement credit offers are too specific and hard to use
  • Non-travel-perks aren’t spectacular
Bottom Line

This is quite a spectacular card with incredibly valuable benefits, but the annual fee is objectively very high.

Best for Small Businesses

Delta SkyMiles® Gold Business American Express Card

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Up to 2X Reward Rate

Earn 2X miles on Delta flights and at restaurants. Earn 2X miles on eligible shipping and advertising purchases on up to $50,000 of purchases per category, per year. Earn 1X miles per dollar on all other eligible purchases.

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Annual Fee
$0 intro annual fee the first year, then $150
Welcome Offer
60,000 miles
Regular APR
20.49% to 29.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
For small businesses that don’t spend a ton of time or money on flights but make the occasional trip to conferences, meetings, etc., the Delta SkyMiles Gold Business American Express Card® can reward you well for choosing to fly Delta.
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Card Details

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  • Enjoy a 15% discount when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. This discount does not apply to partner-operated flights or to taxes and fees.
  • After spending $10,000 in purchases within a year, you can receive a $200 Delta Flight Credit for future travel.
  • As a Card Member, your first checked bag is free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four, that’s a potential savings of up to $280 per round-trip flight.
  • Benefit from Zone 5 Priority Boarding on Delta flights, allowing you to board early, stow your carry-on bag, and settle in sooner.
  • Delta SkyMiles® Gold Business American Express Card Members can earn up to a $150 statement credit back each year on eligible prepaid Delta Stays bookings on delta.com.
  • Save 20% on eligible Delta in-flight purchases of food and beverages. Savings are received in the form of a statement credit.
  • Swipe your card freely overseas with no Foreign Transaction Fees.
  • Terms apply.
Pros
  • Priority boarding benefit
  • 20% in-flight discount
  • Free checked bag
Cons
  • Has an annual fee after the first year
  • No Sky Club access
  • Miles you earn are brand-specific
Bottom Line

The perks this card delivers can easily make up for the annual fee but may not be worth it if you aren’t a Delta enthusiast.

Best for Semi-Frequent Business Travelers

Delta SkyMiles® Platinum Business American Express Card

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Up to 3X Reward Rate

Earn 3X miles on Delta flights and eligible hotel purchases, 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more (up to $100,000 spent per year, 1 mile per dollar thereafter), and 1X miles on other eligible purchases.

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Annual Fee
$350
Welcome Offer
70,000 miles
Regular APR
20.49% to 29.49% variable
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
If you travel somewhat frequently for your business and are interested in more premium benefits than the Delta Business Gold card provides like a higher rewards rate and a higher welcome offer, the Delta SkyMiles® Platinum Business American Express Card may be the next card to add to your wallet.
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Card Details

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  • Receive a Companion Certificate for Main Cabin roundtrip flights within the U.S., the Caribbean, or Central America each year after renewing your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees, up to $80 for domestic roundtrip flights and up to $250 for international roundtrip flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Get $2,500 Medallion® Qualification Dollars each Medallion Qualification Year to bring you closer to achieving Medallion Status with MQD Headstart.
  • Delta SkyMiles® Platinum Business American Express Card Members enjoy a 15% discount when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. This discount does not apply to partner-operated flights or to taxes and fees.
  • Earn $1 Medallion® Qualification Dollar for every $20 spent on your Delta SkyMiles® Platinum Business American Express Card each calendar year, giving you a boost towards Medallion Status for the next Medallion Year.
  • Earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $120 per year.
  • You can receive up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for rideshare purchases with select providers in the U.S.
  • Get Zone 5 Priority Boarding on Delta flights to board early, stow your carry-on bag, and get settled sooner.
  • Non-Medallion members with an eligible ticket will be added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members and SkyMiles Reserve Card Members.
  • Earn up to $200 back each year on eligible prepaid Delta Stays bookings on delta.com.
  • Terms Apply.
Pros
  • Free checked bag
  • Priority boarding benefit
  • Annual companion certificate
Cons
  • $350 annual fee
  • No Sky Club access
  • Miles you earn are brand-specific
Bottom Line

If you travel frequently for your business and take a traveling buddy with you at least once per year, it’s easy to make up for this card’s $350 annual fee.

Best Premium Delta Business Card

Delta SkyMiles® Reserve Business American Express Card

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Up to 3X Reward Rate

Earn 3X miles on all Delta purchases and 1X miles on other eligible purchases. If you spend $150,000 in a calendar year, you’ll earn 1.5X miles per dollar on non-Delta purchases for the rest of the year.

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Annual Fee
$650
Welcome Offer
80,000 miles
Regular APR
reg_apr,reg_apr_type
Recommended Credit
Good/Excellent (690 - 850)
Why we like it
Frequent, high-spending business travelers who value perks like exclusive lounge access can benefit highly from the Delta SkyMiles® Reserve Business American Express Card.
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Card Details

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  • Enjoy complimentary access to the Delta Sky Club®. Starting 2/1/25, Reserve Card Members will receive 15 annual visits; to unlock unlimited visits each year starting 2/1/25, total eligible purchases on the Card must reach $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Enhance your Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for every $10 spent on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • You can receive a Companion Certificate for First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewing your Card. The Companion Ticket requires payment of government-imposed taxes and fees, up to $80 for roundtrip domestic flights and up to $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to a total of $240 per year with the Resy Credit.
  • Receive up to $10 back each month when you use your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% on Award Travel bookings for Delta flights. This discount does not apply to partner-operated flights or to taxes and fees.
  • If you’re not a Medallion Member, you will be added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members when you have an eligible ticket.
  • As a Card Member, your first checked bag is free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four, that’s a potential savings of up to $280 per round-trip flight.
  • Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card.
  • Benefit from Zone 5 Priority Boarding on Delta flights, allowing you to board early, stow your carry-on bag, and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250. Just use your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Pay no foreign transaction fees when you use your Delta SkyMiles® Reserve Business American Express Card while traveling overseas.
  • Terms and limitations apply.
Pros
  • Complimentary access to Delta Sky Clubs & Amex Centurion Lounges
  • Annual Companion Certificate, good for one ticket in the same class you’re in
  • Very generous welcome offer
Cons
  • High annual fee ($650)
  • Low rewards rate on non-Delta spending categories
  • Requires good to excellent credit
Bottom Line

For the right business traveler, one who flies almost exclusively with Delta and can take advantage of luxury benefits, this card could be well worth the $650 a year.

Comparing Delta credit cards

Advertiser Disclosure
Card name
Best for
Reward rate
Intro offer
Annual fee
Best for Most Delta Flyers
1X-2X miles
50,000 miles
$0 intro annual fee the first year, then $150
Best for Small Businesses
1X-2X miles
60,000 miles
$0 intro annual fee the first year, then $150

Which Delta Amex credit card is right for you?

The best Delta-branded Amex card for you depends on your lifestyle, financial circumstances, and travel habits.

All Delta-branded airline credit cards come with generous intro offers and plenty of travel perks, but they all have unique benefits.

To help you decide which is the best credit card for you, let’s take a closer look at what these travel credit cards have to offer.

Delta American Express Cards for Personal Use

The Delta SkyMiles Reserve American Express Card® is best for road warriors who want to earn elite status a little faster. Although the annual fee is $650, this Delta credit card gives you access to more than 50 Sky Club locations. Every Sky Club has complimentary food and beverages available, giving you a quiet place to relax before a flight or during a layover.

The Delta SkyMiles Gold American Express Card® is best for travelers who want to earn double miles on grocery and restaurant purchases. Unlike the SkyMiles Reserve Card, which gives you 3X on Delta flights and 1X on other eligible purchases, the SkyMiles Gold Card comes with 2X miles at U.S. supermarkets and restaurants worldwide.

The Delta SkyMiles Platinum American Express Card® has a $350 annual fee, but you get 3X miles on Delta flights, 2X at U.S. supermarkets and restaurants worldwide, and 1X on other eligible purchases. This credit card is best for people who enjoy traveling with a spouse, best friend, or other companion, as it entitles you to a free round-trip companion ticket once per year. The free ticket is good for a seat in the Main Cabin section of the flight.

The Delta SkyMiles Blue American Express Card® is best for budget-conscious travelers who want to earn miles without paying an annual fee. The no-annual-fee credit card gives you 20% back on in-flight purchases, 2X miles on dining and Delta flights, and 1X miles on other purchases.

Delta American Express Cards for Business

If you own a business, consider getting a Delta credit card to earn rewards based on your travel habits.

The Delta SkyMiles Gold Business American Express Card® is best for small businesses, as it has the lowest annual fee. It may even be a good fit if you’re a freelancer who travels to attend conferences or meet with clients. This business credit card gives you 2X miles on Delta flights, restaurants and eligible shipping and advertising purchases. You also earn 1 mile per dollar on other purchases.

The Delta SkyMiles Platinum Business American Express Card® is the mid-range option. It has an annual fee of $350, but it gives you 3X miles on Delta flights and eligible hotel purchases, 1.5X on each purchase of $5,000 or more (max of 50,000 miles per year) and 1X on other purchases.

The Delta SkyMiles Reserve Business American Express Card®is best for frequent travelers who want to reach elite status quickly. You earn 3X miles on all Delta purchases and 1X miles on other eligible purchases. If you spend $150,000 in a calendar year, you’ll get 1.5 miles per dollar on non-Delta purchases for the rest of the year.

Delta Amex benefits: What are the perks?

If you have a Delta SkyMiles card, you may qualify for some of the following benefits:

1

Lounge access

The business and personal SkyMiles Reserve cards come with complimentary access to Delta Sky Clubs.

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2

Purchase Protection*

When you use a Delta SkyMiles credit card to make a purchase, you get Purchase Protection, giving you extra peace of mind if the item is stolen or damaged. Depending on which card you have, American Express may reimburse you as much as $10,000 per incident.

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3

Rental car & baggage insurance*

If you use a Delta credit card to reserve a rental car, you’ll also get insurance for your rental. This insurance kicks in if you get into an accident or someone steals the vehicle. Card Members also qualify for baggage insurance, which reimburses you under certain conditions. For example, you may receive compensation if your luggage is lost or damaged on a Delta flight.

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4

Checked bags

Most Amex SkyMiles cards allow you to check one bag for free every time you fly with Delta. Currently, Delta charges $35 each way for a standard checked bag. Therefore, you can save $70 on each round-trip Delta flight.

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5

Priority boarding

You may be eligible for priority boarding on Delta-operated flights, allowing you to board the plane and get settled before passengers in other boarding groups.

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6

Discounted Award Travel

You may be eligible for the TakeOff 15 benefit, which gives you a 15% discount on Award Travel booked via Delta.com or the FlyDelta app.

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7

Companion certificates

Some cardholders qualify for a free companion certificate once per year. If you have the SkyMiles Platinum American Express Card, the companion ticket is good for a seat in Delta’s Main Cabin. SkyMiles Reserve American Express cardholders can use each companion certificate to purchase a seat in Main Cabin, Comfort+ or First Class.

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8

TSA PreCheck and Global Entry credits

When you apply through an authorized enrollment provider, you get a $120 statement credit for your Global Entry fee or an $85 statement credit for your TSA PreCheck fee. You can get the Global Entry credit every 4 years or the TSA PreCheck credit every 4.5 years.

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*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Earning and redeeming SkyMiles

Let’s examine how you can earn and redeem American Express Delta SkyMiles.

Earning American Express Delta SkyMiles

With Delta-branded American Express credit cards, you earn miles on every eligible purchase.

The number of miles earned depends on which card you have. For example, the personal and business versions of the SkyMiles Reserve Card give you 3X miles on all Delta flights and other Delta purchases. If you fly a lot, getting this card is the best way to leverage your travel spending.

Redeeming Delta SkyMiles

Each Delta mile is worth about 1.3 cents.

Therefore, if you have 50,000 miles, they’re worth about $650 (50,000 x 0.013). However, Delta occasionally has SkyMiles sales, increasing the value of your miles on certain routes. The airline also has last-minute deals on short-haul flights, making it easier to stretch your miles.

Once you accumulate enough miles, you can use them to:

The SkyMiles program even allows you to transfer your miles to one of Delta’s travel partners or donate them to a charitable organization.

Additional Card Options for Delta Flyers

If Delta is your favorite airline, you can maximize your travel benefits by pairing a SkyMiles credit card with the American Express Platinum or Gold Card.

The Platinum Card® from American Express

The Platinum Card® from American Express offers 5X Membership Rewards Points on eligible prepaid hotels and flights (up to $500,000 in flights per calendar year). You also earn up to a $200 hotel credit (given in statement credits), up to a $200 airline fee credit (given in statement credits), up to $200 in Uber Cash, and up to a $240 digital entertainment credit (given in statement credits). Cardholders have access to the American Express Global Lounge Collection and premium status with Hertz Presidents Circle, Avis Preferred and National Car Rental Emerald Club. Although the Platinum Card doesn’t have any foreign transaction fees, it does have an annual fee of $695.

Read more in our comprehensive comparison of Delta Reserve vs. Amex Platinum.

American Express Gold Card®

If you don’t fly often enough to justify the $695 annual fee for the Platinum Card, consider getting the American Express Gold Card. Not only do you earn rewards on Delta purchases, but you can earn 3X Membership Rewards Points on any flight booked directly with an airline or with AmexTravel.com. The Gold Card also gives you 4X points on U.S. restaurants and supermarkets. Like the Platinum Card, the Gold Card doesn’t have any foreign transaction fees. Its annual fee is just $250 (see rates and fees).

Is getting a Delta Amex card worth it?

A Delta-branded American Express card is absolutely worth it if you make frequent Delta purchases.

You can use one of these cards to earn rewards on airfare, Delta gift cards, in-flight purchases and more. Delta credit cards are also ideal for people who live near one of Delta’s hubs. A Delta-branded card may also be worth it if you make frequent trips overseas, as American Express doesn’t charge any foreign transaction fees.

How to apply for a Delta Amex card

You can apply online for a Delta Amex card from the comfort of your own home.

To apply online for a Delta Amex card, select the “learn more” button next to your chosen card at the top of this page and apply if you decide a Delta Amex card is right for you.

You’ll need to provide all of the required information to submit your application, including:

Keep in mind that due to strict credit requirements, Delta Amex credit cards are somewhat hard to get. Even though American Express does not publish minimum scores, cardholders have commented that you need at least a 670 to qualify.

Note: Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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For rates and fees of the Delta SkyMiles® Blue American Express Card, please visit this page.

For rates and fees of the Delta SkyMiles® Gold American Express Card, please visit this page.

For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please visit this page.

For rates and fees of the Delta SkyMiles® Platinum American Express Card, please visit this page.

For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please visit this page.

For rates and fees of the Delta SkyMiles® Reserve American Express Card, please visit this page.

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this page.

For rates and fees of The Platinum Card® from American Express, please visit this page.

Delta Amex FAQs

Do Delta Amex credit cards give you Delta status?

You don’t automatically get Delta Medallion status, but you may be able to reach your target status a little faster. For example, some cards give you MQMs after spending a certain amount of money in a calendar year. These MQMs may give you a boost to the Silver, Platinum or Diamond level.

Which Delta Amex credit card gets you lounge access?

The Delta SkyMiles Reserve American Express Card gives you complimentary access to Delta Sky Clubs and American Express Centurion Lounges.

What is the credit limit on an American Express Delta card?

When you apply for a credit card, the issuer assigns a credit limit based on your income, credit score, and other factors. Some customers have limits as low as $1,000, but if you have a strong credit profile, you may qualify for a much higher spending cap.

How much does a Delta American Express card cost?

These cards have annual fees ranging from $0 to $650.

Is an Amex Delta card hard to get?

Amex Delta cards are somewhat hard to get due to the strict credit requirements. American Express doesn’t publish minimum scores, but based on comments from cardholders, you need at least a 670 to qualify. To increase your approval odds, hold off on applying until you have a 700 or higher.

Are American Express Delta SkyMiles hard to get?

It’s easy to earn SkyMiles, as each Delta card allows you to earn anywhere from 1X to 5X miles on travel, dining, grocery shopping, and other categories.

Do Delta credit cards have foreign transaction fees?

None of the Delta SkyMiles credit cards have foreign transaction fees, so you’re free to use them as you please when traveling outside of the U.S.!

American Express is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Amex products:

About the Author

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

* Opinions expressed here are those of LA Times Compare and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publication. Please visit each bank's website directly for the most current information.

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