Which Is the Best Delta Credit Card Offer?

One offer wins out, but each of Delta's four cards has something for a certain kind of traveler.

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Delta Air Lines flyers can earn bonus miles, save money on checked bag fees and even enter Sky Clubs by using co-branded Delta SkyMiles credit cards. The options are abundant, so it can feel hard to zero in on which is right for you.

Since Delta loyalists can pick from multiple Delta credit card offers, we'll help you figure out which combination of perks you’d benefit from the most.

Delta SkyMiles American Express credit cards

Depending on the level of commitment to the airline, you’ll find enough benefits for your travel style. So, what are the Delta credit card offers? Let’s take a look.

Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Reserve American Express Card

Welcome offer

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. Terms Apply.

Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months. Terms Apply.

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 6 months. Terms Apply.

Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 6 months. Terms Apply.

Annual fee

$0.

$0 intro for the first year, then $99.

$250.

$550.

Delta SkyMiles earned

2x.

2x.

3x.

3x.

Bonus miles earned

2x at restaurants worldwide.

2x at U.S. supermarkets and restaurants worldwide.

3x at hotels; 2x at restaurants worldwide and U.S. supermarkets.

N/A.

Free checked bags

No.

Yes, up to nine per booking.

Yes, up to nine per booking.

Yes, up to nine per booking.

Companion certificate

No.

No.

Domestic main cabin.

Domestic first class, Comfort+ or main cabin.

Delta Sky Club access

No.

No.

Yes, $39 per person.

Yes, complimentary.

Medallion status boost

No.

No.

Earn 10,000 MQMs after $25,000 in purchases (twice per calendar year).

Earn 15,000 MQMs after $30,000 in purchases (four times per calendar year).

Global Entry / TSA PreCheck credit

No.

No.

Yes.

Yes.

In-flight savings

20%.

20%.

20%.

20%.

Cell phone insurance

No.

No.

Yes.

Yes.

Foreign transaction fees

No.

No.

No.

No.

Terms apply.

Welcome offer

  • Delta SkyMiles® Blue American Express Card: Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. Terms Apply.

  • Delta SkyMiles® Gold American Express Card: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months. Terms Apply.

  • Delta SkyMiles® Platinum American Express Card: Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 6 months. Terms Apply.

  • Delta SkyMiles® Reserve American Express Card: Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 6 months. Terms Apply.

Given that NerdWallet values Delta SkyMiles at 1.5 cents each, the welcome offers for these cards are worth $150, $975, $1,200 and $1,425, respectively.

Annual fee

The Delta SkyMiles® Blue American Express Card is a starter Delta card because it has a $0 fee but also the fewest benefits.

The midrange Delta SkyMiles® Gold American Express Card charges a $0 intro for the first year, then $99 annual fee, but it comes with free checked bags on Delta flights, priority boarding as well as 20% back on in-flight purchases.

For a $250 fee, the Delta SkyMiles® Platinum American Express Card comes with an annual companion certificate for an economy domestic flight and discounted Sky Club access on top of additional benefits.

And finally, the premium Delta SkyMiles® Reserve American Express Card offers the most in terms of perks. In exchange for paying a $550 annual membership fee, you get complimentary access to Delta Sky Clubs plus two day passes for guests per year, access to The Centurion Lounge when flying Delta, plus a companion certificate for a domestic flight in any class.

Terms apply.

Bonus miles on Delta purchases

Delta flyers using the Delta SkyMiles® Blue American Express Card and the Delta SkyMiles® Gold American Express Card earn 2x miles on Delta purchases.

Those who hold either the Delta SkyMiles® Platinum American Express Card or the Delta SkyMiles® Reserve American Express Card earn 3x miles on Delta purchases.

Additionally, the Delta SkyMiles® Blue American Express Card, the Delta SkyMiles® Gold American Express Card and the Delta SkyMiles® Platinum American Express Card earn 2x miles at restaurants worldwide, and the the Delta SkyMiles® Gold American Express Card and the Delta SkyMiles® Platinum American Express Card earn 2x miles at U.S. supermarkets. Note that superstores, convenience stores, warehouse clubs and meal-kit delivery services do not qualify.

The Delta SkyMiles® Platinum American Express Card members also earn 3x miles on eligible hotel purchases.

Terms apply.

Free checked bags

Most co-branded Delta cards, with the exception of the Delta SkyMiles® Blue American Express Card, offer free checked bags to the primary cardholders as well as up to eight other passengers traveling on the same reservation.

You don’t have to pay for your ticket with the SkyMiles card. As long as the card is linked to your SkyMiles number, you’re eligible for the benefit.

Terms apply.

Companion certificate

The Delta SkyMiles® Reserve American Express Card and Delta SkyMiles® Platinum American Express Card provide a valuable perk that can help offset their annual fees — a companion certificate.

The certificate allows you to bring one companion with you on a domestic flight operated by Delta for free (you just have to pay taxes and fees).

  • Every year you renew the Delta SkyMiles® Platinum American Express Card, you receive a companion certificate valid for a trip in the main cabin, or economy.

  • Every year you renew the Delta SkyMiles® Reserve American Express Card, you receive a companion certificate valid for the main cabin, Comfort Plus or first class.

Terms apply.

Airport lounge access

The two low-tier Delta cards don’t offer any kind of airport lounge access, but the two high-tier cards do.

If you hold the Delta SkyMiles® Platinum American Express Card, you can buy a day pass to a Delta Sky Club for $39 (valid in conjunction with a same-day Delta boarding pass).

The Delta SkyMiles® Reserve American Express Card members receive complimentary Sky Club membership, which means they can access a Delta airport lounge any time they fly the airline. Two guest passes per year are included for travel companions (then guests can tag along for $39 each after that).

Individual Sky Club membership costs $545, which is $5 less than the credit card’s annual fee. Additionally, the Delta SkyMiles® Reserve American Express Card holders get access to The Centurion Lounge with a Delta boarding pass.

Terms apply.

Medallion status boost

If you’re short of Medallion status and a big spender, the two high-end Delta cards can help you get there.

If you spend $25,000 on your Delta SkyMiles® Platinum American Express Card in a calendar year, you can earn 10,000 Medallion Qualification Miles. You can do so twice per year to earn up to 20,000 MQMs to help you qualify for Medallion status.

If you spend $30,000 on the Delta SkyMiles® Reserve American Express Card in a calendar year, you can earn 15,000 MQMs toward status. You can do this four times per year and earn up to 60,000 MQMs.

Terms apply.

Global Entry or TSA PreCheck credit

Apply for either Global Entry or TSA PreCheck to save time in airport lines and receive up to $100 application fee credit back when you pay with either the Delta SkyMiles® Platinum American Express Card or the Delta SkyMiles® Reserve American Express Card.

Terms apply.

Cell phone protection coverage

Pay your monthly bill with either the Delta SkyMiles® Platinum American Express Card or the Delta SkyMiles® Reserve American Express Card and get coverage for your device against theft or damage.

Perks that are the same

Regardless of which card you choose, all cardholders have access to these identical benefits.

  • In-flight purchases discount: Use either of your Delta cards to pay for an in-flight snack, beverage or Wi-Fi and receive 20% back as a statement credit.

  • Pay with Miles: Can redeem SkyMiles at a rate of 1 cent each toward the cost of any Delta cash ticket.

  • No foreign transaction fees: Some credit cards impose a 3% foreign transaction fee any time you use it abroad, but the fees are waived with all Delta SkyMiles cards.

Terms apply.

Choose the best Delta credit card offer for you

With four consumer Delta credit card offers to choose from, you’re sure to find one that fits your travel style. Take a look at your travel frequency, determine which perks you’d use the most and go from there.

While the Delta SkyMiles® Blue American Express Card may be appealing with its $0 annual fee, the Delta SkyMiles® Gold American Express Card is probably better for most people. It earns bonus points on restaurants and U.S. supermarkets rather than just restaurants. If you can spring for the Delta SkyMiles® Platinum American Express Card, it is even more worth it — especially if you aspire to earn Medallion elite status or frequently stay at hotels. The larger welcome offer and status boost can justify the $250 annual fee. Terms apply.

Photo courtesy of Delta Air Lines.

To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page. To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022, including those best for:

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