The 7 Best Delta Credit Cards of 2019

Travel frequently? Easily earn points with this major airline

We are committed to researching and recommending the best financial solutions and products for our readers. The Balance has partnered with CardRatings and may receive commissions from links within our content, but these have no bearing on our reviews or recommendations. The below content has not been reviewed, endorsed, or approved by any card issuers prior to publishing.

Delta partners exclusively with American Express for all of its co-branded credit cards. The best Delta credit cards pay additional rewards on Delta purchases, plus allow you to earn extra miles on Delta purchases. Some cards reward you with Medallion Qualification Miles (MQMs) that can be used for unlimited complimentary upgrades, upgrade Medallion status, and earn other perks like increased miles per flight and waived fees. The best Delta credit cards include:

  • Best Overall: Gold Delta Skymiles American Express
  • Best for Big Spenders: Platinum Delta Skymiles American Express
  • Best for Flight Upgrades: Delta Reserve Skymiles American Express
  • Best No Annual Fee: Blue Delta Skymiles American Express
  • Best Overall for Business: Gold Delta Skymiles Business Credit Card
  • Best for Business Flight Upgrades: Platinum Delta Skymiles Business Credit Card from American Express
  • Best Premium for Business: Delta Reserve for Business Credit Card from American Express

Choose a Delta credit card for personal or business use based on the rewards, perks, and the annual fee. Interest rates are higher on rewards credit cards, so it’s best to pay your balance in full each month to completely avoid interest charges. Read on to see the best Delta credit cards to apply for today.

01
Best Overall: Gold Delta Skymiles American Express

Gold Delta Skymiles American Express
Courtesy of American Express

What we like: The Gold Delta Skymiles American Express pays 30,000 bonus miles after you make your first $1,000 in purchases within the first three months of opening your account. Ongoing, you’ll earn two miles for every dollar you spend on Delta purchases and one mile for every dollar you spend on all other purchases.

Along with your rewards, you’ll get access to a ton of other perks including first checked bag free for you an up to 9 travelers on your reservation. Enjoy 20% savings on in-flight purchases when you use your card. Plus get discounts on Delta Sky Club access and Main Cabin 1 priority boarding.

What we don't like: Your purchases won't earn any Medallion Qualification Miles which are necessary for reaching Medallion status.

  • Minimum Credit Required: Good
  • Annual Fee: $95, waived in the first year
  • Intro APR: Not offered
  • Ongoing APR: 17.99% to 26.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Welcome Offer: 30,000 bonus miles when you spend $1,000 on purchases in the first three months. $50 statement credit after you make your purchase Delta purchase in the first three months

View details about this credit card

02
Best for Big Spenders: Platinum Delta Skymiles American Express

Platinum Delta Skymiles American Express
Courtesy of American Express

What we like: The Platinum Delta Skymiles gives you the opportunity to earn both Medallion Qualification Miles and bonus miles as a signup bonus. Plus you'll earn a $100 statement credit after you make your first Delta purchase in the first three months.

You have the opportunity to earn a total of 20K bonus miles and 20K MQMs each calendar year based on your spending. That's a huge plus since you only need 25,000 MQMs to reach Silver Medallion Status where you’ll earn seven miles per dollar and the ability roll over MQMs to the next calendar year.

Ongoing, you’ll earn two miles for every dollar spent on Delta purchases and one mile for every dollar you spend on all other purchases. Each year that you renew your card, you’ll receive a domestic main cabin round-trip companion certificate. Enjoy your first checked bag free on each flight.

What we don't like: If you typically travel solo, you won't get a chance to get take advantage of one of the best perks - the annual companion ticket.

  • Minimum Credit Required: Excellent
  • Annual Fee: $195
  • Intro APR: Not offered
  • Ongoing APR: 17.99% to 26.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Welcome Offer: 5,000 Medallion Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 on purchases within the first three months of opening your account. Plus earn a $100 statement credit after you make your first Delta purchase in the first three months.

View details about this credit card

03
Best for Flight Upgrades: Delta Reserve Skymiles American Express

Delta Reserve Skymiles American Express
Courtesy of American Express

What we like: The signup bonus includes both Medallion Qualification Miles which help you reach Medallion status and bonus miles that you can redeem for future travel.

Ongoing, you’ll earn two miles for every dollar you spend on Delta purchases and one mile per dollar on all other purchases. You can earn an additional 15,000 bonus miles and 15,000 MQMs when you spend $30,000 and $60,000 on your card in a calendar year.

The Delta Reserve Skymiles Amex gives you complimentary access to Delta Sky Club. You can get access to the lounge for up to two guests for a discounted rate of $29.

What we don't like: The steep $450 annual fee means you need to fly Delta very often to make the credit card worth it.

  • Minimum Credit Required: Excellent
  • Annual Fee: $450
  • Intro APR: Not offered
  • Ongoing APR: 17.99% to 26.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Welcome Offer: 10,000 Medallion Qualification Miles (MQMs) and 40,000 bonus miles after you spend $3,000 on purchases within the first three months of opening your account.

View details about this credit card

04
Best No Annual Fee: Blue Delta Skymiles American Express

Blue Delta Skymiles American Express
Courtesy of American Express

What we like: The Blue Delta Skymiles American Express has the lowest welcome offer and lowest minimum spending requirement but doesn’t have an annual fee, which makes it a great option if you’re looking for an entry-level Delta credit card.

You’ll earn two miles for every dollar you spend at U.S. restaurants and Delta purchases and one mile per dollar on all other purchases. Receive 20% in-flight savings in the form of a statement credit on items you purchase on flights. You can redeem your miles toward Delta travel and travel on more than 15 airline partners.

What we don't like: Unlike Delta's other credit cards, the Blue Delta Skymiles doesn't offer free checked bags for you or your traveling companions. You'll also pay a foreign transaction fee on any non-U.S. dollar purchases.

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: Not offered
  • Ongoing APR: 17.99% to 26.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: 2.7% of the purchase amount in U.S. dollars
  • Welcome Offer: 10,000 bonus miles after spending $500 on purchases in the first three months of opening your card

View details about this credit card

05
Best Overall for Business: Gold Delta SkyMiles Business Credit Card

Gold Delta Skymiles Business Credit Card from American Express
Courtesy of American Express

What we like: The Gold Delta Skymiles Business credit card pays 70,000 bonus miles after you make your first $4,000 in purchases within the first three months of opening your account. Ongoing, you’ll earn two miles for every dollar you spend on Delta purchases and one mile for every dollar you spend on all other purchases.

Along with your rewards, you’ll get access to a ton of other perks, including priority boarding, first checked bag free, discount on Delta Sky Club access, and 20% savings on in-flight purchases.

What we don't like: The Gold Delta Skymiles Business Credit Card gives you the option of carrying a balance, but at a high interest rate. You also don't have the option of transferring a balance to this card.

  • Minimum Credit Required: Good
  • Annual Fee: $95, waived in the first year
  • Intro APR: Not offered
  • Ongoing APR: 17.99% to 26.99% variable
  • Balance Transfer Fee: N/A
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Welcome Offer: 70,000 bonus miles after spending $4,000 on purchases in the first three months of opening your card. Plus a $50 statement credit after you make a Delta purchase in the first three months

View details about this credit card

06
Best for Business Flight Upgrades: Platinum Delta Skymiles Business Credit Card

Platinum Delta Skymiles Business Credit Card From American Express
Courtesy of American Express

What we like: The Platinum Delta Skymiles lets you earn Medallion Qualification Miles (MQMs) in addition to Skymiles. MQMs qualify you for Medallion status lets you earn miles faster and gives you eligibility for other flight benefits like seat upgrades and waived fees.

Not only does the card offer a signup bonus after you spend $1,000 in the first three months, you can also earn an additional 35,000 bonus miles and 5,000 MQMs after you spend $25,000 then $50,000 or more on your card in a calendar year. In total, you have the opportunity to earn 20K bonus miles and 20K MQMs each calendar year.

Ongoing, you’ll earn two miles for every dollar spent on Delta purchases and one mile for every dollar you spend on all other purchases. Each year you renew your card, you’ll receive a domestic main cabin round-trip companion certificate. Enjoy your first checked bag free on each flight.

What we don't like: Rewards are limited to Delta flights which only works if you're committed to flying Delta. There's no lounge access included with this card, something you may expect from a higher-tier airline-branded credit card with an annual fee.

  • Minimum Credit Required: Excellent
  • Annual Fee: $195
  • Intro APR: Not offered
  • Ongoing APR: 17.99% to 26.99% variable
  • Balance Transfer Fee: N/A
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Welcome Offer: 35,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $1,000 in the first three months. A $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.

View details about this credit card.

07
Best Premium for Business: Delta Reserve for Business Credit Card

Delta Reserve for Business Credit Card from American Express
Courtesy of American Express

What we like: You can earn both bonus miles and MQMs based on your annual spending, even after the signup bonus. Earn an additional 15,000 bonus miles and 15,000 MQMs when you spend $30,000 and $60,000 on your card in a calendar year.

Like Delta's other business credit cards, you’ll earn one mile for every dollar you spend on Delta purchases and one mile per dollar on all other purchases.

The Delta Reserve Amex gives you complimentary access to Delta Sky Club, which is $545 each year. You can get access to the lounge for up to two guests for a discounted rate of $29.

Enjoy main cabin priority boarding and 20% savings on in-flight purchases when you use your card. Plus, you'll receive a companion certificate each year when you renew your card.

What we don't like: The card comes with a steep annual fee. Delta Sky Club membership automatically makes the annual fee worth it, but if you don't plan to use the lounge, a Delta Business credit card with a lower annual fee may be a better fit.

  • Minimum Credit Required: Excellent
  • Annual Fee: $450
  • Intro APR: Not offered
  • Ongoing APR: 17.99% to 26.99% variable
  • Balance Transfer Fee: N/A
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Welcome Offer: 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in the first three months

View details about this credit card

About Our Reviews

We are committed to researching and recommending the best financial solutions and products for our readers. The Balance has partnered with CardRatings and may receive commissions from links within our content, but these have no bearing on our reviews or recommendations. The above content has not been reviewed, endorsed, or approved by any card issuers prior to publishing.