Best Delta Credit Card Offers of August 2021

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 Card Offers of August 2021

Best Overall, Best Welcome Offer : Delta SkyMiles® Platinum Credit Card


Our Rating Among Delta Air Lines Cards
4.8
Delta SkyMiles® Platinum Card
Current Offer

Earn 50,000 bonus miles and 5,000 Medallion(R) Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn up to $100 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of 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 $250
Rewards Earning Rate Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets, and 1X on other purchases. Accelerate your path to Medallion Status, with Status Boost(R). Plus, in 2021 you can earn even more bonus MQMs to help you reach Medallion Status.
Foreign transaction fee (%) 0%

See rates and fees

  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

This card has the best miles-earning rates among Delta cards and valuable airline perks. You’ll earn 3 miles 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 earn 50,000 miles and 5,000 MQMs by spending $2,000 in your first three months. Based on our research, the 50,000-mile bonus is worth $720.

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 50,000 bonus miles and after you spend $3,000 in purchases.
  • 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.
  • Fee Credit for Global Entry or TSA Pre✓(R).

Read full review of Delta SkyMiles® Platinum Credit Card

Best Business Card Perks for the Price, Best Business Card for Earning SkyMiles : Delta SkyMiles® Platinum Business Credit Card


Our Rating Among Delta Air Lines Cards
4.9
Delta SkyMiles® Platinum Business Card
Current Offer

Earn $100 Back! Make business spending more rewarding. Earn 60,000 bonus miles, 5,000 Medallion Qualification Miles (MQMs), plus a $100 statement credit after you spend $3,000 in purchases on your new Delta SkyMiles Platinum Business American Express 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.

See rates and fees

  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

You can really boost your cache of Delta miles with this business credit card, which gives you  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 reimbursement and a yearly companion certificate—but for less than half the annual fee. Plus, the welcome offer is competitive. And while the card doesn’t offer complimentary Sky Club and Centurion airport lounge access, it does provide a special $39 Sky Club rate. If you spend $2,000 within three months, you’ll earn 60,000 miles and a $100 statement credit. The 60,000 bonus miles are worth about $864, 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)

  • Best bonus for new cardholders among the Delta business credit cards.

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 60,000 bonus miles, 5,000 Medallion Qualification Miles (MQMs), plus a $100 statement credit after you spend $2,000 in purchases on your new Delta SkyMiles Platinum Business American Express 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.
  • With Status Boost(R), earn 10,000 Medallion(R) Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 2,500 MQMs after making $25,000 in purchases, up to 2x. That's in addition to the 10,000 MQMs that you would earn with Status Boost.

Read full review of Delta SkyMiles® Platinum Business Card

Best for Airport Lounge Access, Best Perks : Delta SkyMiles® Reserve Credit Card


Our Rating Among Delta Air Lines Cards
4.7
Delta SkyMiles® Reserve Card
Current Offer

Earn 50,000 bonus miles and 10,000 Medallion(R) Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Plus, earn up to $100 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of 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 $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. Accelerate your path to Medallion Status, with Status Boost(R). Plus, in 2021 you can earn even more bonus MQMs to help you reach Medallion Status.
Foreign transaction fee (%) 0%

See rates and fees

  • Why We Chose This Card
  • Pros & Cons
  • Highlights
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, including 10,000 MQMs if you can spend $3,000 in the first three months of owning the card, 15,000 MQMs when you spend $30,000 in a calendar year, and an additional 3,750 MQMs for each time you spend $30,000 more.

Pros & Cons
Pros
  • 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
  • Limited Time Offer: Earn 80,000 Bonus Miles and 20,000 Medallion(R) Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months and a $200 statement credit after you make a Delta purchase with your new Card within your first 3 months. Offer expires 7/28/2021.
  • 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.
  • 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.

Read full review of Delta SkyMiles® Reserve Card

Best for Luxury Business Travel : Delta SkyMiles® Business Reserve Credit Card


Our Rating Among Delta Air Lines Cards
4.7
Delta SkyMiles® Reserve Business Card
Current Offer

Earn $100 Back! Make business spending more rewarding. Earn 60,000 bonus miles, 10,000 Medallion Qualification Miles (MQMs), plus a $100 statement credit after you spend $4,000 in purchases on your new Delta SkyMiles Reserve Business American Express 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
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.

See rates and fees

  • Why We Chose This Card
  • Pros & Cons
  • Highlights
Why We Chose This Card

This card is the only Delta business card that offers complimentary access to Delta Sky Club airport lounges. On top of that, you can visit American Express Centurion Lounges when you fly with Delta. Complimentary upgrades, priority boarding, and ways to fast-track Delta’s elite status sweeten the deal. Plus, spend $4,000 within your first three months to earn 60,000 miles, 10,000 Medallion Qualification Miles (MQMs) and a $100 statement credit. The 60,000-mile bonus is worth about $864 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 60,000 bonus miles, 10,000 Medallion Qualification Miles (MQMs), plus a $100 statement credit after you spend $4,000 in purchases on your new Delta SkyMiles Reserve Business American Express Card within your 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.
  • With Status Boost(R), earn 15,000 Medallion(R) Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to 4x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 3,750 MQMs after making $30,000 in purchases, up to 4x. That's in addition to the 15,000 MQMs that you would earn with Status Boost.

Read full review of Delta SkyMiles® Reserve Business Card

Best for Occasional Delta Flyers : Delta SkyMiles® Gold Credit Card


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

Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of 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 for the first year, then $99
Rewards Earning Rate Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets. Earn 1X Miles on other eligible purchases.
Foreign transaction fee (%) 0%

See rates and fees

  • Why We Chose This Card
  • Pros & Cons
  • Highlights
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 balance out the cost of the annual fee by using the free-checked-bag benefit a few times each year to put toward a future Delta flight. What’s more, if you spend $1,000 within three months of opening your account, you’ll earn a welcome offer of 40,000 miles, which are worth about $640 when redeemed for Delta purchases, 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 40,000 bonus miles after you make $1,000 in purchases on your new Card. Plus, earn up to $50 back on purchases at U.S. restaurants made in the first three 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.
  • Earn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit on your Card to inspire your next travel.

Read full review of Delta SkyMiles® Gold Card

Best Low-Fee Business Card : Delta SkyMiles® Business Gold Credit Card


Our Rating Among Delta Air Lines Cards
3.9
Delta SkyMiles® Gold Business Card
Current Offer

Earn $50 Back! Make business spending more rewarding. Earn 50,000 bonus miles and a $50 statement credit after you spend $2,000 in purchases on your new Delta SkyMiles Gold Business American Express 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 $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.

See rates and fees

  • Why We Chose This Card
  • Pros & Cons
  • Highlights
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 $50 flight credit for a future Delta trip, which counters the annual fee cost after the first year. What’s more, you only need to spend $1,000 in your first three months to earn a 50,000-mile bonus worth $720, 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 50,000 bonus miles and a $50 statement credit after you spend $2,000 in purchases on your new card within your 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.

Read full review of Delta SkyMiles® Gold Business Card

Best for Avoiding an Annual Fee : Delta SkyMiles® Blue Credit Card


Our Rating Among Delta Air Lines Cards
3.2
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%

See rates and fees

  • Why We Chose This Card
  • Pros & Cons
  • Highlights
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 one 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 the price.

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
  • Earn 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.

Read full review of Delta SkyMiles® Blue Card

FAQs

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. 

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 1.44 cents each, on average—a very respectable value, though not the best. Competitors including United 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 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.

To see the rates and fees of featured American Express Cards, please see the following links: Delta SkyMiles® Platinum Card rates and fees, Delta SkyMiles® Platinum Business Card rates and fees, Delta SkyMiles® Reserve Card rates and fees, Delta SkyMiles® Reserve Business Card rates and fees, Delta SkyMiles® Gold Card rates and fees, Delta SkyMiles® Gold Business Card rates and fees, Delta SkyMiles® Blue Card rates and fees.