Best Delta Credit Card Offers of August 2020

Compare Delta Blue, Gold, Platinum, and Reserve Card Offers

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If you’re a Delta Air Lines fan, you may be looking for the best Delta credit cards. American Express offers a suite of co-branded cards for Delta flyers, each with particular advantages. You’ll earn Skymiles rewards with all of them, but varying fees, welcome offers and travel perks give you very distinct options. 

To help you pick the one that best fits your flying and spending habits, we’ve compiled this list, which is separated by consumer and business cards and ranked accordingly.

Best Delta Credit Cards

Delta SkyMiles® Platinum Card

Best Overall

,

Best for Earning SkyMiles

,

Best Welcome Offer

Our Rating Among Delta Air Lines Cards
3.7
Delta SkyMiles® Platinum Card
Current Offer

Earn 40,000 bonus miles and 5,000 Medallion Qualification Miles after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $250
Rewards Earning Rate Earn 3 miles per dollar spent directly with Delta, 2 miles per dollar at restaurants and U.S. supermarkets, and 1 mile per dollar on all other eligible purchases.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    This card has the best miles-earning rates among Delta cards and valuable airline perks. You’ll earn 3 points per $1 spent with Delta and on direct hotel bookings and 2 miles at restaurants and U.S. supermarkets. There’s a high annual fee, but you can recoup the cost by using benefits including free checked bags and an annual companion ticket for a main cabin domestic flight (only taxes and fees aren't covered). Plus, the welcome bonus is pretty good: You’ll get 40,000 miles and 5,000 Medallion Qualification Miles (MQMs) by spending $3,000 in your first three months. Based on our research, that is worth about $640.

  • PROS & CONS

    Pros

    • Generous rewards rate on Delta flights
    • Ways to earn extra miles on everyday expenses, not just Delta flights
    • Perks such as free checked bags and a Global Entry/TSA Precheck application fee reimbursement

    Cons

    • Annual fee is higher than most other mid-level airline cards
    • Fee to enter Delta Sky Club lounges makes for a relatively stingy airport lounge perk
  • HIGHLIGHTS
    • Earn 40,000 bonus miles and 5,000 Medallion Qualification Miles after you spend $2,000 in purchases on your new Card in your first 3 months.
    • Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    • As a benefit of Card Membership, you can check your first bag free on Delta flights booked with your Card. You can save up to $60 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $240 per round-trip flight.
    • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry–on bag and settle in sooner.
    • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.

Delta SkyMiles® Gold Card

Best for Occasional Delta Flyers

Our Rating Among Delta Air Lines Cards
3.3
Delta SkyMiles® Gold Card
Current Offer

Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per dollar spent on purchases made directly with Delta, at restaurants, and at U.S. supermarkets. Earn one mile for every eligible dollar spent on purchases.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    If you prefer flying Delta, but aren’t a huge spender or constant traveler, this card is for you. You can recoup the cost of the annual fee by using the free-checked-bag benefit a few times each year or earning the $100 statement credit to put toward a future Delta flight. What’s more, if you spend $1,000 within three months of opening your account, you’ll get a welcome offer of 35,000 miles which are worth about $560, based on our calculations.

  • PROS & CONS

    Pros

    • Welcome offer is quite easy to earn, even if it’s not huge
    • Annual flight discount of $100 for those who spend $10,000 in a year (so less than $1,000 per month, on average)
    • Free checked bag for you and up to eight travel companions, well above the limit on other airline cards

    Cons

    • No boost toward Delta’s elite status
    • No Delta Sky Club lounge access, even with a fee
  • HIGHLIGHTS
    • Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
    • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
    • Earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.
    • Earn 1X Mile on all other eligible purchases.

Delta SkyMiles® Reserve Card

Best for Airport Lounge Access

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Best Perks

Our Rating Among Delta Air Lines Cards
3.5
Delta SkyMiles® Reserve Card
Current Offer

Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles after you spend $3,000 in purchases on your new Card in your first 3 months.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $550
Rewards Earning Rate Earn 3 miles per $1 spent on purchases made directly with Delta. Earn 1 mile per $1 on other eligible purchases.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    This is for Delta flyers who want to relax in a quiet airport lounge while traveling. You get complimentary access to the Delta Sky Club (it’s the only Delta consumer card with that perk), and access to the American Express Centurion Lounge on the day of your Delta flight. The annual fee is extremely high, but this card offers several other VIP travel perks and a pathway to Delta’s coveted Medallion flying status. Plus, you’ll earn 40,000 miles and 10,000 Medallion Qualification Miles (MQMs) by spending $3,000 within your first three months of opening an account. 

  • PROS & CONS

    Pros

    • Complimentary access to Delta Sky Clubs and American Express Centurion lounges
    • Big spenders can earn Delta’s elite status just by using the card
    • Loaded with frequent flyer perks, including an annual companion pass good for a round-trip ticket (taxes and fees aren’t covered

    Cons

    • Highest annual fee of any airline card tracked by The Balance
    • Underwhelming bonus for new cardholders, considering other Delta cards have similar offers with lower annual fees and smaller spending requirements
  • HIGHLIGHTS
    • Earn 40,000 bonus miles and 10,000 MQMs after you spend $3,000 in purchases on your new Card in your first 3 months of Card Membership.
    • Earn 15,000 Medallion Qualification Miles after you spend $30,000 in purchases on your Card – up to 4 times/year.
    • With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.
    • Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
    • Receive a Domestic First Class, Delta Comfort+ or Main Cabin round-trip companion certificate each year upon renewal of your Delta SkyMiles Reserve American Express Card.

Delta SkyMiles® Blue Card

Best for Avoiding an Annual Fee

Our Rating Among Delta Air Lines Cards
2.8
Delta SkyMiles® Blue Card
Current Offer

Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $0
Rewards Earning Rate Earn 2 miles per dollar at restaurants and on eligible Delta purchases, and earn 1 mile per dollar on all other eligible purchases.
Foreign transaction fee (%) 0%
  • WHY WE CHOSE THIS CARD

    Maybe you don’t travel much, or just want to try out a Delta rewards card without committing. If that’s you, this card—the only in the Delta suite without an annual fee—could be a fit. You’ll earn 2 miles per $1 spent not just with Delta, but at restaurants worldwide, too. You won’t get free checked bags or other travel perks the pricier Delta cards have, but there’s no foreign transaction fee (which is great for international travelers), and you can pay for a Delta flight with miles and dollars if you don’t have enough miles to fully cover one. 

  • PROS & CONS

    Pros

    • No annual fee means less frequent travelers have a low-investment way to try rewards
    • Decent welcome offer for a no-annual-fee airline card
    • Option to pay for a portion of an eligible Delta flight with miles means you don’t have to wait until you can cover it entirely

    Cons

    • No free checked bags or priority boarding
  • HIGHLIGHTS
    • Get 10,000 miles after spending $500 in your first 3 months.
    • Earn 2 miles per dollar at restaurants and on purchases made with Delta.
    • Earn 1 mile on all other eligible purchases.
    • Pay no foreign transaction fees.

Delta SkyMiles® Platinum Business Card

Best Business Card Perks for the Price

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Best Business Card for Earning SkyMiles

Our Rating Among Delta Air Lines Cards
3.8
Delta SkyMiles® Platinum Business Card
Current Offer

Earn 45,000 bonus miles and 5,000 Medallion Qualification Miles after you spend $3,000 in purchases on your new Card in your first 3 months. Plus earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $250
Rewards Earning Rate Earn 3 miles per dollar on eligible purchases made directly with Delta and hotels. Earn 1 mile per dollar spent on other eligible purchases.
Cash Advance APR (%) 25.24%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • WHY WE CHOSE THIS CARD

    You can really boost your cache of Delta miles with this business credit card, which pays 3 miles per $1 spent with Delta and on stays booked directly with hotels. It offers many perks of the Delta Reserve Business Credit Card—such as a Global Entry/TSA Precheck application fee credit—but for less than half the annual fee. (It doesn’t come with complimentary airport lounge access, however.) Plus, the welcome offer is competitive. If you spend $3,000 within three months, you’ll earn 45,000 miles and 5,000 Medallion Qualification Miles (MQMs). The bonus miles are worth about $720, according to our analysis.

  • PROS & CONS

    Pros

    • Good miles-earning rate on Delta and hotel purchases
    • Perks such as free checked bags and an annual companion pass for a domestic round-trip in the main cabin (fees and taxes not covered)
    • Same bonus miles (with a lower spending requirement) as the Delta Business Reserve card, which has a steeper annual fee

    Cons

    • Annual fee is higher than other mid-tier airline cards for businesses
    • Must pay a fee to access Delta Sky Club lounges—a relatively stingy airport lounge benefit
  • HIGHLIGHTS
    • Earn 45,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in eligible purchases on your new Delta SkyMiles Platinum Business American Express Card in the first 3 months.
    • Plus earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    • Earn 1.5 miles per dollar on each eligible purchase of $5,000 or more.
    • Earn 3 miles per dollar on purchases directly with hotels.
    • Earn 3 miles per dollar on Delta purchases.
    • Global Entry or TSA Pre✔ fee credit.

Delta SkyMiles® Gold Business Card

Best Low-Fee Business Card

Our Rating Among Delta Air Lines Cards
3.6
Delta SkyMiles® Gold Business Card
Current Offer

Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per dollar spent on eligible purchases made directly with Delta, U.S. shipping and advertising purchases, and at restaurants. Earn 1 mile on every eligible dollar spent on other purchases.
Cash Advance APR (%) 25.24%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • WHY WE CHOSE THIS CARD

    This card has the lowest annual fee of any of the Delta business cards and offers extra miles on several non-Delta business expenses. You’ll also get priority boarding and free checked bags for you and up to eight travel companions on the same reservation. If you spend enough, you’ll even receive a $100 flight credit for a future Delta trip, which recoups the annual fee cost after the first year. What’s more, you only need to spend $2,000 in your first three months to earn a 40,000-mile bonus. That offer is worth about $640, based on our calculations. 

  • PROS & CONS

    Pros

    • Free checked bags and priority boarding for you and as many as eight travel companions
    • Annual flight discount (which makes up for the annual fee) can be earn by spending less than $1,000 on this card each month

    Cons

    • No boost toward Delta’s elite status
    • No Delta Sky Club lounge access
    • Gas purchases don’t earn extra miles, unlike comparable business airline cards
  • HIGHLIGHTS
    • Earn 40,000 bonus miles after you spend $2,000 in eligible purchases on your new Delta SkyMiles Gold Business American Express Card in the first 3 months.
    • Earn 2 miles per dollar on U.S. shipping.
    • Earn 2 miles per dollar on U.S. advertising in select media.
    • Earn 2 miles per dollar at restaurants.
    • Earn a $100 Delta Flight Credit towards future travel after you spend $10K on your Card in purchases during a calendar year.
    • First checked bag free on Delta flights.

Delta SkyMiles® Reserve Business Card

Best for Luxury Business Travel

Our Rating Among Delta Air Lines Cards
3.5
Delta SkyMiles® Reserve Business Card
Current Offer

Earn 45,000 bonus miles and 10,000 MQMs after you spend $4,000 in purchases on your new Card in your first 3 months.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $550
Rewards Earning Rate Earn 3 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
Cash Advance APR (%) 25.24%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • WHY WE CHOSE THIS CARD

    This card is all about making business trips more enjoyable, and if that’s what you seek, it may be worth the massive annual fee. It’s the only Delta business card that offers complimentary access to Delta Sky Club airport lounges, plus you can also visit American Express Centurion Lounges when you fly with Delta. Other travel benefits and ways to fast-track Delta’s elite status sweeten the deal. Plus, spend $4,000 within your first three months to earn 45,000 miles and 10,000 Medallion Qualification Miles (MQMs), a bonus worth about $720 based on our average mile valuations.

  • PROS & CONS

    Pros

    • Complimentary Delta Sky Club and American Express Centurion lounge access
    • Big spenders can earn elite status just by using this card
    • Loaded with frequent flyer perks, including an annual companion pass good for a round-trip ticket (taxes and fees aren’t covered)

    Cons

    • Very steep annual fee
    • Underwhelming bonus for a premium card, especially when other Delta cards have comparable offers
    • Mediocre rewards rates and limited categories compared to similar business cards
  • HIGHLIGHTS
    • Earn 45,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $4,000 in eligible purchases on your new Delta SkyMiles Reserve Business American Express Card in the first 3 months.
    • Complimentary access to the Delta Sky Club & 2 Delta Sky Club one-time guest passes.
    • Earn 1.5 miles per dollar after spending $150,000.
    • Earn 3 miles per dollar on Delta purchases.
    • Global Entry or TSA Pre✔ fee credit.
Find Your Credit Card Match We consider travel rewards, perks, and fees the most important things you should consider when choosing a travel credit card, but we know you might have different priorities. See what suits you best.
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How Do Delta Credit Cards Work?

Delta credit cards are airline cards, which means they are co-branded with the card issuer—in this case, American Express. Airline credit cards award miles for card purchases, typically offering more miles on purchases made with the particular airline. These cards also often give travelers perks like free checked bags, early boarding, and a boost toward elite frequent flyer status. 

There are several Delta airline card options, ranging from a very basic, no-annual-fee card (the Delta SkyMiles Blue Credit Card) up to a high-annual-fee premium card with more perks and travel insurance benefits (the Delta SkyMiles Reserve Credit Card). Each Delta card also has a welcome offer—often worth at least a couple hundred dollars—for cardholders who meet a spending requirement within three months of opening an account. 

When you pay with a Delta credit card, you’ll earn frequent flyer miles with Delta’s SkyMiles program. Regardless of which Delta card you have, you’ll earn at least 2 SkyMiles per $1 spent on Delta purchases, such as flights booked directly with Delta, seat upgrades, or in-flight food purchases. There may or may not be extra miles on other spending categories. All other purchases earn 1 SkyMile per $1. There’s no limit on the number of SkyMiles you can earn with any of these cards, and the miles won’t expire. 

SkyMiles can be redeemed for flights on Delta or a partner airline, so long as you book the flights through Delta. Award flight costs will vary based on travel dates, destination, and seat type. 

Note

To learn more about earning and using Delta miles, read: “Delta SkyMiles Rewards Program: Your Complete Guide.”

Delta SkyMiles can also pay for seat upgrades, airport lounge access, vacation packages, experiences, gift cards, Delta private jet travel, and online shopping via the SkyMiles marketplace. 

Who Should Get a Delta Credit Card?

Delta credit cards are best suited for travelers who:

  1. Are near an airport with a lot of Delta flights, including Atlanta and eight other U.S. hubs
  2. Plan to fly Delta at least a couple of times a year
  3. Want airport lounge access (most of the cards offer at least discounted passes to the lounge) 
  4. Want to earn elite status in the SkyMiles program faster
  5. Have good credit

How Should You Choose a Delta Card?

Use our recommendations above to guide your evaluation, then consider the following: 

SkyMiles value: Two miles per $1 spent on flights is a typical miles-earning rate among airline cards, but redemption value is a key part of the overall equation when choosing a rewards card. Our research found SkyMiles are worth 1.60 cents each, on average—a very respectable value, though not the best. Competitors including United Airlines and American Airlines have miles topping 2 cents, according to our calculations.

Tip

A good rule of thumb when considering the value of any credit card reward is to aim for points or miles worth at least 1 cent each. 

Welcome offer: How much is the bonus actually worth? The number of miles is one thing, but you have to factor in their value to determine the overall worth. Also, is the welcome offer attainable based on how much you currently spend with credit cards each month? Spending requirements vary among Delta cards.

Annual fees: Card annual fee costs can be offset if you take advantage of other valuable card features besides the rewards program. All but one Delta credit card charges an annual fee, so decide what makes a Delta card worth that cost for you, and choose accordingly. 

Travel perks & benefits: Delta cards are not all created equal when it comes to travel insurance and other valuable perks. If good benefits are what you seek, check out the more premium Delta cards. If you’re not interested in extras like free checked bags or priority boarding, the simplest Delta card may be sufficient. 

Here’s another look at what we think each Delta credit card is best for:

Best Delta Credit Card Offers
Credit Card​ Category Annual Fee
Delta SkyMiles Platinum Card Best Overall $250
Delta SkyMiles Gold Card Best for Occasional Delta Flyers $0 for the first year, then $99
Delta SkyMiles Reserve Card Best for Airport Lounge Access $550
Delta SkyMiles Blue Card Best for Avoiding an Annual Fee $0
Delta SkyMiles Platinum Business Card Best Business Card Perks for the Price $250
Delta SkyMiles Gold Business Card Best Low-Fee Business Card $0 for the first year, then $99
Delta SkyMiles Reserve Business Card Best for Luxury Business Travel $550
Delta SkyMiles Platinum Card Best for Earning SkyMiles $250
Delta SkyMiles Platinum Card Best Welcome Offer $250
Delta SkyMiles Platinum Business Card Best Business Card for Earning SkyMiles $250
Delta SkyMiles Reserve Card Best Perks $550

What Are the Pros & Cons of Delta Credit Cards?

Pros
  • Multiple card options

  • Premium cards offer good Delta perks and travel insurance benefits

  • Frequent flyers can easily earn miles

Cons
  • Miles aren’t worth as much as competing airlines’ miles

  • Annual fees on most cards

  • High APRs

Are There Other Ways to Earn Rewards on Delta Flights?

You don’t have to get a Delta card to earn miles on your flights. In fact, you can probably earn more valuable rewards with a general travel rewards card. Travel cards are flexible when it comes to earning and redeeming rewards. You won’t have to favor one airline over another, and you can redeem for other travel costs besides just flights. 

If you identify with any of the following, you may want to reconsider opening a Delta card:

  • You often fly whatever airline offers the most convenient or cheapest flight
  • You’d like to earn more travel rewards on non-travel purchases
  • You’re not interested in reaching elite airline loyalty status
  • You have a preferred airline, but it’s not Delta
  • Your primary airport doesn’t offer many Delta flights

Methodology

We collect data on hundreds of cards and score more than 55 features that affect your finances. We do this because it's our mission to give you unbiased, comprehensive credit card reviews.

Our reviews are always impartial. No one can influence which cards we review, the way we present them to you, or the ratings they receive.

About This List

The Balance editorial team reviewed the four consumer co-branded Delta credit cards, all of which are issued by American Express. We specifically looked at each card’s new cardholder welcome offer, Delta-specific perks, additional travel benefits, and annual fee.

What We Score

Beyond limiting this list to co-branded Delta credit cards, we look most closely at the card's highest rewards-earning rate and the value of the welcome offer—the higher the rewards-earning rate and the more valuable we calculate the welcome offer to be, the higher the score the card receives.

The next most important factors are the three-year average of the annual fee and how many exceptional perks the card offers (such as priority boarding, free checked bags, and Delta lounge access). We also look at standard perks, too, like secondary rental car insurance or purchase protection. Other driving factors in the card's score include the ongoing APR and the credit score the issuer recommends applicants have.

We prioritize these features because rewards, annual fee, and regular APR are the most important things people consider when choosing a credit card. For full details on how we evaluate credit card attributes, check out our full methodology.