The bottom line: This card offers decent ongoing rewards for no annual fee, but you may find other cards more useful or valuable.
Quick FactsView rates and fees
Pros & Cons
- No annual fee
- No free checked bags
- Requires good/excellent credit
Compare to Other Cards
$0 intro for the first year, then $99
Recommended Credit Score
Recommended Credit Score
Recommended Credit Score
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The Delta SkyMiles® Blue American Express Card is the only card in the AmEx-Delta Air Lines portfolio with a $0 annual fee. If you’re a less frequent traveler with a preference for Delta, that could make the card an ideal choice.
But if you fly Delta multiple times per year or you're in search of a card that offers major travel perks, you'll likely do better with another option.
Key features of the Delta SkyMiles® Blue American Express Card
To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page.
Card type: Airline.
Annual fee: $0
Welcome offer: Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. Terms Apply.
2 miles per dollar spent on eligible purchases made directly with Delta.
2 miles per dollar spent at restaurants.
1 mile per dollar spent on all other eligible purchases.
NerdWallet values Delta miles at 1.3 cents each. This is a baseline value, drawn from real-world data on hundreds of economy routes, not a maximized value. In other words, you should aim for award redemptions that offer 1.3 cents or more in value from your Delta miles.
20% savings on eligible in-flight purchases.
APR: The ongoing APR is 15.74% - 24.74% Variable APR.
Foreign transaction fee: None.
Why you might want the Delta SkyMiles® Blue American Express Card
$0 annual fee
It's relatively rare to find an airline credit card that doesn't charge an annual fee in exchange for miles-earning potential. With the Delta SkyMiles® Blue American Express Card, any rewards you rack up are entirely in the "gains" column, as long as you don't carry a balance.
Decent ongoing rewards
Another issue with co-branded airline credit cards is that some earn elevated rewards only on flights or other eligible spending with that airline. The Delta SkyMiles® Blue American Express Card earns double miles not just on eligible Delta purchases, but also when you use the card at restaurants worldwide.
With this card, you can get a 20% savings in the form of a statement credit on eligible in-flight purchases, including food, beverages and audio headsets on Delta-operated flights. When you use your card for these purchases, you'll receive a statement credit within eight to 12 weeks after the transaction posts. Unless you do a lot of spending at 30,000 feet, this perk isn't exactly lucrative — but it's still a nice benefit, and can certainly make a pricey in-flight nosh a little more affordable.
How it compares with other Delta cards
Of all the Delta cards, the $0-annual-fee Delta SkyMiles® Blue American Express Card is the most basic. It lacks key benefits the other cards offer, such as free checked bags and priority boarding. But if you want to earn Delta SkyMiles without paying an annual fee, it's a solid option. For more analysis, read NerdWallet's comparison of Delta credit cards.
Here's how the Delta SkyMiles® Blue American Express Card stacks up with the others on key benefits.
Why you might want a different card
No free checked bags
It's not surprising that the Delta SkyMiles® Blue American Express Card doesn't offer a free checked bags benefit. Usually, you have to pay an annual fee for that kind of perk. If you regularly check bags, one of the other Delta cards could be a better deal just from this benefit alone.
No Priority boarding or lounge access
Unlike the other Delta cards, the Delta SkyMiles® Blue American Express Card doesn't offer priority boarding. That means you might end up in one of the final boarding groups, unless you're eligible for pre-boarding or early boarding — for example, if you need assistance boarding, are active duty U.S. military with ID or are traveling with car seats or strollers.
Other Delta cards also allow you to purchase single-visit passes to Delta's Sky Club lounges for $29 apiece. (Starting Jan. 30, 2020, these passes will be $39 apiece and available on fewer cards.) Such passes aren't available to purchase for the general public, and you won't be able to purchase them with the Delta SkyMiles® Blue American Express Card.
No 0% APR offer
Many no-annual-fee travel cards come with 0% APR offers, but the Delta SkyMiles® Blue American Express Card doesn't: The ongoing APR is 15.74% - 24.74% Variable APR.
If you're looking for a travel card that gives you some breathing room for paying down a major purchase, consider the Bank of America® Travel Rewards credit card instead. The card earns 1.5 points per dollar on all purchases. Points are worth 1 cent each when redeemed for travel. There's also a sign-up bonus.
Check out the best credit cards NerdWallet offers for more good options.
Is the Delta SkyMiles® Blue American Express Card right for you?
If you love Delta but you're dead set against paying an annual fee, the Delta SkyMiles® Blue American Express Card is right up your alley.
But if you fly several times a year with the airline, you're better off paying an annual fee for a higher-tier co-branded Delta card. And if you frequently travel internationally, a general travel card with broad merchant acceptance and no foreign transaction fees will be a better option.
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.
on American Express's website