Demystifying Delta’s ‘Pay With Miles’ vs. ‘Miles + Cash’

These two methods to book flights with miles are entirely separate from the process to book award flights.
Profile photo of Sam Kemmis
Written by Sam Kemmis
Senior Writer
Profile photo of Meg Lee
Edited by Meg Lee
Assigning Editor
Fact Checked

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The behemoth Delta SkyMiles program contains many twists, turns and odd alleyways, none more confusing than the difference between the "Pay With Miles" and "Miles + Cash" programs.

Although they sound nearly identical, they work very differently. And to make matters worse, neither are the same as booking "award flights" using miles.

The short answer is that "Pay With Miles" is only available to co-branded cardholders, where as the "Miles + Cash" is an option for anyone with a SkyMiles account.

Here you'll find more details on the basic differences between these options and how you can determine which (if any) you should use to book your next flight with Delta.

» Learn more: The guide to SkyMiles

Pay With Miles vs. Miles + Cash

In a nutshell, here are the differences between these different booking options:

"Pay With Miles"

  • Only available to those with a Delta co-branded credit card.

  • Lets you pay for some or all of your cash fare with SkyMiles.

  • Each SkyMile is valued at a set rate of 1 cent per mile.

  • You get to choose how many miles you use.

  • These tickets earn both Medallion Qualification Dollars and redeemable miles.

"Miles + Cash"

  • Available to anyone with a SkyMiles account.

  • Lets you pay for some of your cash fare using SkyMiles.

  • The value per SkyMile varies from ticket to ticket.

  • Delta determines the split between cash and SkyMiles.

  • These tickets don't earn Medallion Qualification Dollars.

Generally, we recommend using the "Pay With Miles" feature if you loathe searching for award availability. We generally don't recommend using the "Miles + Cash" option unless you are trying to burn a very specific number of SkyMiles and have no other good options.

🤓Nerdy Tip

Award flights are the normal way to use miles to book flights with Delta and its partners. Read our guide to booking Delta award flights for more details.

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.

Pay With Miles: How it works

Delta SkyMiles® Blue American Express Card
NerdWallet rating 

Again, this option is available only if you have a Delta co-branded credit card attached to your SkyMiles account. Specifically, you must hold the Delta SkyMiles® Blue American Express Card.

To use Pay With Miles, search for a flight as you would normally. Don’t select "shop with miles" just yet. You should see a "Pay with Miles Eligible" tag at the bottom of each cash fare.

Select the fare as you usually would. On the next screen, you'll get a widget with a dropdown like this:

As you can see, you can offset the cost of the cash fare using SkyMiles in 5,000-mile increments.

SkyMiles are always worth 1 cent each when used in this way, which, while not spectacular, isn't far from our estimated value for SkyMiles of 1.2 cents each.

Given how much simpler this option is compared with normal award booking, those with little patience for blackout dates and other award calendar headaches might be willing to forego potentially higher value from their SkyMiles.

However, it’s probably worth spending a few minutes comparing the value of the fares you find with "Pay With Miles" and normal award bookings (see the calculator below for help figuring this out).

Miles + Cash: How it works

Let’s say you want to use your SkyMiles to book a ticket, but you don’t have enough miles to cover the full cost. You can use the "Miles + Cash" option on most Delta-operated flights to do just that. Make a search in the Delta booking tool like normal, then look for the "Miles + Cash" option under "Show Price In."

Selecting this will switch the prices over to a combination of, well, SkyMiles and cash, like this:

Since Delta is setting both the split between the amount of SkyMiles and cash, as well as the value of the SkyMiles, determining the value of this option requires a little work. For example, the same ticket paying only cash costs $466.20 in this case (note that the Miles + Cash price above is for a “Main” fare):

Subtracting the cash portion of the Cash + Miles price ($191.20) from the full cash price ($466.20) determines how much cash is being offset by miles ($466.20 - $191.20 = $275). So $275 is being offset by the 26,500 SkyMiles.

Delta SkyMiles calculator

You can use this Delta SkyMiles to dollars calculator to determine whether this is a good deal or not:

Continuing from the previous section's example, if the value of 26,500 SkyMiles is more than $275, this is not a good deal. If they are roughly the same, it’s a wash.

Indeed, for the most part, these Miles + Cash bookings should be considered only as a last-ditch option for burning some extra miles if you don’t have enough for a full ticket.

The bottom line

They may sound similar, but Delta’s "Pay with Miles" and "Miles + Cash" options offer fundamentally different value propositions. Neither offers particularly good bang for your SkyMiles in terms of value, but the "Pay with Miles" benefit for Delta cardholders can make sense in some cases, where the "Miles + Cash" offset rarely does.

To view rates and fees of the Delta SkyMiles® Blue 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 some of the best travel credit cards of 2024:

Cards for Delta from our Partners
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
NerdWallet Rating
Rewards rate


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


Intro offer


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

Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
NerdWallet Rating
Rewards rate


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.


Intro offer


Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.

See more cards for delta
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.