Best Delta Credit Card Offers of April 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 Airlines Cards
4.7
Delta SkyMiles® Platinum Card
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 outstanding: You’ll get 80,000 miles by spending $3,000 in your first three months, and once you renew your card, you’ll get another 20,000. Based on our research, the total bonus is worth a very enticing $1,600.

Delta SkyMiles® Gold Card

Best for Occasional Delta Flyers

Our Rating Among Delta Airlines Cards
4.1
Delta SkyMiles® Gold Card
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 apply by April 1, 2020 and spend $2,000 within three months of opening your account, you’ll get a welcome offer of 60,000 miles right off the bat. Then, after you renew your card, you’ll get another 10,000 miles. That’s worth a total of $1,120, based on our analysis of the average value of Delta miles.

Delta SkyMiles® Reserve Card

Best for Airport Lounge Access

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Best Perks

Our Rating Among Delta Airlines Cards
4.4
Delta SkyMiles® Reserve Card
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, if you apply by April 1, 2020, you’ll earn 80,000 miles by spending $5,000 within your first three months and another 20,000 miles on your first anniversary (after paying the annual fee). 

Delta SkyMiles® Blue Card

Best for Avoiding an Annual Fee

Our Rating Among Delta Airlines Cards
2.8
Delta SkyMiles® Blue Card
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. 

Delta SkyMiles® Platinum Business Card

Best Business Card Perks for the Price

,

Best Business Card for Earning SkyMiles

Our Rating Among Delta Airlines Cards
4.8
Delta SkyMiles® Platinum Business Card
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.

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 compelling. If you spend enough to qualify, you’ll earn 80,000 miles. You’ll get another 20,000 bonus miles when you pay your annual fee next year, too. The total bonus is worth $1,600, according to our analysis.

Delta SkyMiles® Gold Business Card

Best Low-Fee Business Card

Our Rating Among Delta Airlines Cards
4.5
Delta SkyMiles® Gold Business Card
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 60,000-mile bonus. You’ll get another 10,000 miles after you renew your card the first time. All told, these miles are worth about $1,120, based on our calculations. 

Delta SkyMiles® Reserve Business Card

Best for Luxury Business Travel

Our Rating Among Delta Airlines Cards
4.3
Delta SkyMiles® Reserve Business Card
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. The welcome offer is noteworthy: spend $5,000 within your first three months to earn 80,000 miles, and then get 20,000 miles after you pay your second annual fee. We value the total bonus at $1,600. 

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. 

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.