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.
Anya Kartashova
By Anya Kartashova 
Updated
Edited by Meg Lee

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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 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months. Terms Apply.

Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months. Terms Apply.

Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months. Terms Apply.

Annual fee

$0.

$0 intro for the first year, then $150.

$350.

$650.

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, Caribbean or Central American round-trip flights in main cabin.

Domestic, Caribbean or Central American round-trip flights in first class, Comfort+ or main cabin.

Delta Sky Club access

No.

No.

No.

Yes, complimentary.

Medallion status boost

No.

No.

Get a MQD Headstart of $2,500 Medallion Qualification Dollars annually.

Get a MQD Headstart of $2,500 Medallion Qualification Dollars annually.

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.

A closer look at Delta credit card offers

Now that you've got an overview of the landscape, let's dive deeper into the factors that might make or break your decision.

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 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months. Terms Apply.

  • Delta SkyMiles® Platinum American Express Card: Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months. Terms Apply.

  • Delta SkyMiles® Reserve American Express Card: Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months. Terms Apply.

NerdWallet values Delta SkyMiles at 1.2 cents each.

Earn up to 100,000 bonus miles with our favorite Delta cards
Check out our nerdy picks for the best Delta credit cards and find the right card for you.

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 $150 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 $350 fee, the Delta SkyMiles® Platinum American Express Card comes with an annual companion certificate, Resy, rideshare and Delta credits along with additional benefits.

And finally, the premium Delta SkyMiles® Reserve American Express Card offers the most in terms of perks. In exchange for paying a $650 annual membership fee, you get complimentary access to Delta Sky Clubs plus foure day passes for guests per year, access to The Centurion Lounge when flying Delta, plus a companion certificate for a domestic, Caribbean or Central American flight in any class.

🤓Nerdy Tip

Effective 2/1/25, Reserve Card Members will receive 15 visits per year to the Delta Sky Club. To earn an unlimited number of visits each year, the total eligible purchases on the Card must equal $75,000 or more the previous year. To earn unlimited visits in 2025, you’ll need to spend this amount between 1/1/24 and 12/31/24.

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.

Delta 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

Three of Delta's cards don’t offer any kind of airport lounge access, but its premium card does.

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. Four guest passes per year are included for travel companions (then guests can tag along for $50 each after that).

Individual Sky Club membership costs $695 (as of 2023), which is more expensive 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.

The Delta SkyMiles® Platinum American Express Card and Delta SkyMiles® Reserve American Express Card both get a $2,500 MQD headstart annually.

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 across cards

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.

  • TakeOff 15: Get a 15% discount on award travel booked with Delta. Note that the Delta SkyMiles® Blue American Express Card does not currently offer this benefit.

  • 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 $350 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 2024, including those best for:

Cards for Delta from our Partners
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Points
Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
4.7
NerdWallet Rating
Rewards rate

2x-5x

Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

Miles

Intro offer

75,000

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Miles
See more cards for delta
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