Best Delta credit cards of July 2024
The best Delta Air Lines credit cards offer a good value for frequent flyers who are fans of the Atlanta-based airline. Delta’s long-running partnership with American Express provides frequent flyers with a full lineup of cobranded credit cards to suit varying consumer needs — whether you’re looking for simple benefits like free checked bags or want to unlock premium perks like lounge access and complimentary upgrades.
Our expert team has analyzed the various options currently available to help you decide which Delta credit card is best for you. Check out our curated selection and comprehensive guide on some of the best Delta cards from our partners below.
- Delta SkyMiles® Gold American Express Card: Best for casual Delta flyers
- The Platinum Card® from American Express: Best for luxury benefits
- Delta SkyMiles® Platinum American Express Card: Best for mid-tier Delta flyers
- Delta SkyMiles® Reserve American Express Card: Best for Sky Club access
- Delta SkyMiles® Gold Business American Express Card: Best for small businesses who occasionally fly Delta
- Delta SkyMiles® Platinum Business American Express Card: Best for mid-tier business owners who fly Delta
- American Express® Gold Card: Best for dining at restaurants
- Delta SkyMiles® Reserve Business American Express Card: Best for high-spending businesses
| 2X | Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. |
| 1X | Earn 1X Mile on all other eligible purchases. |
The Delta SkyMiles Gold Amex provides valuable elite-like benefits for casual Delta flyers including a first checked bag free and priority boarding. It can easily justify getting and keeping this card. Read our full review of the Delta SkyMiles Gold Amex card.
Pros
- First checked bag free for you and up to eight companions
- Priority boarding
- 20% back in the form of a statement credit on in-flight purchases (not including Wi-Fi)
Cons
- Doesn't make sense if you don't fly Delta
- There are better Delta cards if you want lounge access or a boost to earn elite status
- Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
- You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Terms Apply.
- See Rates & Fees
| 5X | Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. |
| 5X | Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. |
Pros
- The Amex Platinum usually comes with a lucrative welcome offer
- Access to Centurion Lounges, complimentary elite status with Hilton and Marriott, more than $1,400 in assorted annual statement credits and more (enrollment required)
- The Amex Platinum also comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway
Cons
- The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Those who don't travel frequently may not get enough value to warrant the cost
- Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
- The annual airline fee credit and other monthly statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
- See Rates & Fees
| 3X | Earn 3X Miles on Delta purchases and purchases made directly with hotels. |
| 2X | Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Fee credit for TSA PreCheck/Global Entry
- First checked bag free
Cons
- Doesn't make sense if you don't fly Delta
- $350 annual fee
- SkyMiles aren't the most valuable airline currency
- Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
- Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- $120 Resy Credit: When you use your enrolled Delta SkyMiles® Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 each month in statement credits.
- $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
- Enjoy your first checked bag free on Delta flights.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- No Foreign Transaction Fees.
- $350 Annual Fee.
- Terms Apply.
- See Rates & Fees
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta Sky Clubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
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 starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Pros
- $100 statement credit for Global Entry or up to $85 TSA PreCheck (enrollment is required)
- Delta SkyClub access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club. See terms for more details
Cons
- High annual fee of $650
- Lower fee Delta cobranded cards offer superior earning categories
- Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy complimentary access to the Delta Sky Club. 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 starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
- Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
- Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
- Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
- Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
- Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees.
- $650 Annual Fee.
- Terms Apply.
- See Rates & Fees
| 2X | Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year. |
| 2X | Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants. |
| 1X | Earn 1 Mile on every eligible dollar spent on purchases. |
The Delta SkyMiles Gold Business Amex is a good choice for small business owners who are Delta loyalists. This card features priority boarding, 2x miles on purchases made with Delta and on dining out, among other business categories. Cardholders can earn a $200 Delta flight credit when spending $10,000 in purchases on their card in a calendar year. Read our review of the Delta SkyMiles Gold Business card.
Pros
- Earns 2 miles per dollar on popular business categories and at restaurants (on up to $50,000 in eligible purchases per category, per year)
- First checked bag free
- 20% discount on in-flight purchases
- Zone 5 priority boarding
Cons
- Does not offer Delta SkyClub lounge access
- $150 annual fee
- Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
| 1.5X | Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. |
The Delta SkyMiles Platinum Business American Express Card is worthy of consideration if you fly Delta frequently and value perks such as priority boarding, and a free checked bag. Read our review of the Delta SkyMiles Platinum Business card.
Pros
- Earns 3 miles on every dollar spent on eligible purchases made directly with Delta and purchases made directly with hotels; 1.5 miles per dollar on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more (up to 50k additional miles per calendar year)
- First Check Bag Free on Delta flights
- Zone 5 Priority Boarding
Cons
- $350 annual fee
- Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
| 4X | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. |
| 4X | Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). |
| 3X | Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. |
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations, plus it added up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros
- 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
- 3 points per dollar on flights booked directly with the airline or with Amex Travel
- Welcome bonus of 60,000 points after spending $6,000 in the first six months of card membership
Cons
- Weak on travel and everyday spending bonus categories
- Not as effective for those living outside the U.S.
- Some may have trouble using Uber/food credits
- Few travel perks and protections
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
| 3X | Earn 3 miles per dollar on eligible Delta purchases. |
If you’re a high-budget business owner and fly Delta often, the Delta SkyMiles Reserve Business American Express Card is an elite airline card with a sleuth of benefits. While the card does come with a high annual fee, the impressive benefits include exclusive Delta SkyClub access (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 starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter). This is in addition to Amex Centurion lounge access, free checked bags, priority boarding and a fast track to Delta’s elite Medallion flying status by spending a considerable amount on the card. Read our review of the Delta SkyMiles Reserve Business card.
Pros
- A companion certificate that can be used for a first-class, Delta Comfort+ or main cabin round-trip flight
- Exclusive lounge access
Cons
- Steep $650 annual fee
- Limited reward earning rates outside of Delta purchases
- Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. 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 starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Comparing the best Delta credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | casual Delta flyers | Earn 40,000 Miles Open Intro bonus Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. | 1 - 2X points | $0 introductory annual fee for the first year, then $150. |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | luxury benefits | Earn 80,000 points Open Intro bonus Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. | 5X points | $695 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | mid-tier Delta flyers | Earn 50,000 miles Open Intro bonus Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. | 1 - 3X points | $350 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | Sky Club access | Earn 60,000 miles Open Intro bonus Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. | 1 - 3X points | $650 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | small businesses who occasionally fly Delta | Earn 55,000 Bonus Miles Open Intro bonus Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. | 1 - 2X points | $0 introductory annual fee for the first year, then $150 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | mid-tier business owners who fly Delta | Earn 65,000 Bonus Miles Open Intro bonus Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. | 1.5X points | $350 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | dining at restaurants | Earn 60,000 Membership Rewards® Points Open Intro bonus Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. | 3 - 4X points | $250 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | high-spending businesses | Earn 75,000 Bonus Miles Open Intro bonus Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. | 3X points | $650 |
More details on the best Delta credit cards
The Delta SkyMiles Gold Amex comes packed with elitelike benefits like a free checked bag and priority boarding yet has an annual fee of just $150, which is $0 for your first year. In addition, it has no foreign transaction fees (see rates and fees) and offers a $200 Delta flight credit after you spend $10,000 or more on your card in a calendar year.
The Delta SkyMiles Gold Amex offers great airline-specific perks and travel benefits without a high annual fee, which makes it great for new travelers and casual Delta flyers.
“As someone who likes flying Delta but doesn’t fly often enough to earn elite status, my Delta SkyMiles Gold Amex still gives me elite-like perks to help upgrade my travel experience.” — Madison Blancaflor, senior content operations editor
If you are looking for a Delta card with more perks, the Delta SkyMiles® Platinum American Express Card offers similar benefits as the Delta Gold Amex but also comes with a higher welcome bonus, better earning rates and a domestic main cabin round-trip companion certificate each year at renewal.
There is no travel card like the Amex Platinum with its slew of perks, statement credits and lounge access. You can use your Platinum card to earn 5 Amex Membership Rewards points per dollar spent on flights booked directly with airlines or through the Amex Travel portal (up to $500,000 in combined purchases each year). Delta is an Amex transfer partner, you can also redeem these points for your next Delta flight. And the card even offers Sky Club access† when you’re traveling with Delta.
†Effective February 1, 2025, Platinum card members will receive 10 visits per years to the Delta Sky Club; to earn an unlimited number of visits each year starting February 1, 2025, the total eligible purchases on the card must equal $75,000 or more between January 1, 2024 and December 31, 2024, and each calendar year thereafter. Once all 10 visits have been used, eligible card members may purchase additional Delta Sky Club visits (including Grab and Go) at a per-visit rate of $50 per person using the card.
Frequent flyers who are loyal to Delta but want added flexibility for their rewards will love the Amex Platinum with its ability to earn transferable points and enjoy luxury travel perks.
“As a frequent traveler, the Platinum Card's extensive lounge access makes the card a must-have on the road. I can access Delta Sky Clubs, Centurion Lounges, Plaza Premium, Priority Pass lounges and others. More often than not, this means I have a place to relax before my flight. This has saved me thousands of dollars in airport food over the years and keeps me productive at the airport. On top of this, the up to $200 airline fee credit and up to $200 Uber Cash offset most of the card's high annual fee.” — Andrew Kunesh, former senior editor
Frequent flyers who are still looking for a premium travel card but can’t justify the Platinum’s high annual fee should consider the Chase Sapphire Reserve®. Although the Reserve does not come with as many perks and benefits, it does offer a more flexible travel credit with a slightly lower annual fee of $550.
The Delta SkyMiles Platinum Amex is a good option for a more frequent Delta flyer. It comes standard with Delta card perks like priority boarding and a free checked bag for you and eight companions when flying Delta. However, the card also features premium benefits such as a Global Entry/TSA PreCheck fee credit and an annual companion certificate (issued upon account renewal) which allows cardmembers to bring a friend or family member along on a round-trip Delta flight in the continental U.S.
Frequent Delta flyers and/or those seeking to earn Delta Medallion status would benefit from the premium perks offered by the Delta SkyMiles Platinum Amex.
“I keep it in my wallet for the annual companion pass. My family and I do a lot of domestic flying and often plan our vacations far in advance. Having the companion ticket can save my family hundreds of dollars a year in airfare. Plus, the tickets even qualify for free elite upgrades.” — Scott Mayerowitz, former executive editor
If you are a Delta loyalist who wants more Delta perks, including Delta Sky Club access, the Delta SkyMiles® Reserve American Express Card may be a better option for your wallet.
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 starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
The Delta SkyMiles Reserve Amex is the perfect fit for a Delta loyalist thanks to its plethora of travel benefits and perks. The Reserve Amex comes with standard premium perks like priority boarding, free checked bags for cardmembers and eight companions and TSA PreCheck/Global Entry credit. It is also the only Delta cobranded card that allows for Delta Sky Club access. Meanwhile, the Delta Reserve Amex’s annual companion certificate (issued upon account renewal) allows cardmembers to bring a companion on a domestic round-trip flight, including Comfort+ and first class, while only paying the taxes and fees of the accompanying person’s ticket.
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 starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
While the Delta SkyMiles Reserve Amex comes with plenty of benefits and perks, it should only be considered by Delta loyalists as it also comes with an elite-level annual fee of $650 (see rates and fees).
“As a Delta Diamond Medallion, I spend a lot of time on Delta jets. The Delta Reserve card helps me maintain my status by offering shortcuts to earning (and retaining) status. Plus, the card's annual companion ticket is valid on first-class itineraries and has helped me offset the card's annual fee multiple years in a row.” — Andrew Kunesh, former points and miles editor
If you are a frequent flyer but not looking to be an airline loyalist, consider The Platinum Card® from American Express, which offers 5 Amex Membership Rewards points per dollar on airfare purchased directly with the airlines or with Amex Travel (up to $500,000 in purchases a year), essentially a 10% return based on TPG’s valuations. Membership Rewards points are transferable, so if you are redeeming for a Delta flight, you can transfer them to Delta SkyMiles at a 1:1 ratio. Additionally, the Amex Platinum includes Delta Sky Club access† when traveling on Delta as part of the Amex Global Lounge Collection.
†Effective February 1, 2025, Platinum card members will receive 10 visits per years to the Delta Sky Club; to earn an unlimited number of visits each year starting February 1, 2025, the total eligible purchases on the card must equal $75,000 or more between January 1, 2024 and December 31, 2024, and each calendar year thereafter. Once all 10 visits have been used, eligible card members may purchase additional Delta Sky Club visits (including Grab and Go) at a per-visit rate of $50 per person using the card.
The Delta SkyMiles Gold Business card is a good fit for small businesses that fly Delta. With airline perks such as priority boarding, free checked bags and 2 miles per dollar earned on multiple business categories (on up to $50,000 in eligible purchases per category, per year), it is a solid business card option.
Small businesses that fly Delta will benefit from the premium perks offered by the Delta SkyMiles Gold Business Amex without having to pay a high annual fee.
The Delta SkyMiles Gold Business Amex can be a good addition to any small-business owner’s wallet. It offers a solid welcome bonus plus several Delta-specific perks.
If you are looking for a similarly priced business card that is more flexible in terms of redemptions but still offers high rewards rates on travel purchases, consider the Ink Business Preferred® Credit Card. Chase Ultimate Rewards points are transferable, so you don’t have to commit to one airline when it comes time to redeem your points.
The Delta SkyMiles Platinum Business Amex is a good option for a mid-tier business card. Like all Delta cards, it comes with perks like priority boarding and a free checked bag for you and eight companions when flying Delta. The card also earns 3 miles per dollar on all eligible purchases with Delta and hotels, offers a Global Entry/TSA PreCheck fee credit and multiple Delta Medallion elite status boosters. The card’s most notable perk is the annual companion certificate that allows cardmembers to bring another person on a round-trip Delta flight for only the taxes and fees associated with the ticket.
Small-business owners that frequently travel with Delta and want to earn Delta Medallion elite status can benefit from having the SkyMiles Platinum Business Amex.
“This card often offers a high welcome bonus, which I maximize by using for domestic flights in Comfort+ and first class when cash prices are high. Getting an automatic 15% discount on award redemptions just by holding this card is a major perk for me and makes my SkyMiles go further. Given I don’t have Delta elite status, I enjoy getting a free checked bag and priority boarding when flying on the airline.” — Matt Moffitt, senior credit cards editor
If your small business wants a mid-tier travel card with flexible earnings, the American Express® Business Gold Card can be a great fit. The card earns 4 Membership Rewards points per dollar on the two categories where your business spends the most each month, and these points can be transferred to Delta SkyMiles if you find yourself needing a Delta flight.
The Amex Gold card may be the perfect mid-tier card for Delta travelers looking to maximize rewards on everyday spending while enjoying value-added perks. With its monthly Uber and dining credits, you can cover almost all of the card’s $250 annual fee. In addition, all points earned are transferable to Amex’s travel partners — which includes Delta SkyMiles.
Traveling foodies who are looking for a card that combines both travel and dining would find a lot of use for the Amex Gold card with its multiple bonus earning categories.
“There's no better card for groceries and dining than the Amex Gold. I earn 4 points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point) and at restaurants, including takeout and delivery in the U.S. With additional perks like a monthly Uber credit and the ability to transfer my Membership Rewards points to valuable airline partners, the card is a mainstay in my wallet.” — Nick Ewen, director of content
For travelers looking for a flexible travel card with valuable bonus categories but with a lower annual fee, consider the Chase Sapphire Preferred® Card. You’ll earn 3 points per dollar on dining and 2 points per dollar on travel purchases.
The Delta SkyMiles Reserve Business Amex has tons of valuable perks, including Delta Sky Club access and an annual companion ticket valid on economy, Comfort+ and first-class flights. The card offers the most benefits, the highest welcome offer and the best earning rates out of all the business cards — though it does carry a $650 annual fee.
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 starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
The Delta SkyMiles Reserve Business card is a great card for frequent Delta travelers looking to experience all the luxury Delta has to offer.
“The Delta SkyMiles Reserve Business Amex helped me attain airline status without actually having status. As a newbie Delta flyer, I wanted to have a credit card that will make my overall travel experience better. Having access to the Delta Sky Club and Centurion Lounges when flying Delta were massive perks. Earning triple miles when making Delta purchases, an annual companion pass and a 15% discount when using my SkyMiles to book travel make the high annual fee worth it.” — Hannah Streck, senior SEO manager
If you’re a business looking for a premium travel card with lounge access and more flexible rewards, there is no better option than The Business Platinum Card® from American Express. You’ll have access to not only Delta lounges† but also Amex Centurion Lounges, Priority Pass lounges and Plaza Premium locations. You can also travel in style with automatic Gold status at Marriott and Hilton hotels and an array of other statement credits and perks for your small business. And you can transfer Membership Rewards points directly to your Delta SkyMiles account. Enrollment is required for select benefits.
†Effective February 1, 2025, Platinum card members will receive 10 visits per years to the Delta Sky Club; to earn an unlimited number of visits each year starting February 1, 2025, the total eligible purchases on the card must equal $75,000 or more between January 1, 2024 and December 31, 2024, and each calendar year thereafter. Once all 10 visits have been used, eligible card members may purchase additional Delta Sky Club visits (including Grab and Go) at a per-visit rate of $50 per person using the card.
Maximizing Delta credit cards
Earn the welcome offer
Taking advantage of a lucrative welcome offer is a great way to maximize your rewards later on; once you bank a welcome offer, keep accruing points or miles you can eventually redeem for things like upgraded flights and hotel rooms.
Join the airline's loyalty program
The Delta SkyMiles loyalty program is free to join and offers perks such as miles that don't expire. If you're a cobranded Delta cardholder and a SkyMiles member, you can also enjoy decent earning rates in specific categories — like flight bookings — in addition to earning rewards on everyday purchases.
Book directly with the airline
Typically, Delta will work with you to resolve any issues that might come up after you've booked a flight with them. If you book directly with the airline, you also don't have to worry about being charged change or cancellation fees.
Plus, Delta will price-match flights if you find one at a lower cost than what you originally paid. However, it's worth noting that the price match comes in the form of an airline credit you can use toward future travel and not a refund to your original form of payment.
Book a Delta flash sale
Delta flash sales, otherwise known as SkyMiles Deals, are limited-time offers to book award flights at discounted rates. You can adjust your search for your city of origin and travel destination, making it a great way to save on trips you’re hoping to take. While these deals are unpredictable, you might be able to save a few thousand SkyMiles or even book for less than half the normal mileage. If you have more flexibility in location and time, these flash sales can be a great way to save on your next Delta flight.
Consider a flexible rewards card
Delta SkyMiles is the most popular currency for booking Delta award flights, but that doesn’t mean you should only focus on earning Delta miles. You may want to consider a more flexible rewards currency — particularly American Express Membership Rewards. That’s because you can transfer Amex points to Delta at a 1:1 ratio, but you can also transfer them to Virgin Atlantic (to book nonstop Delta flights, when available) or numerous other partners for non-Delta redemptions.
Earning Delta MQD's through spending
You can earn Delta MQDs (Medallion Qualification Dollars) by flying with Delta or on Delta-marketed flights and by booking Delta vacation packages. The earning rate in these categories is 1 MQD per $1 spent. You can also spend your way to status by earning MQDs every time you use your Delta card to make a purchase. For example, Delta SkyMiles Platinum and Platinum Business cardholders earn 1 MQD for every $20 spent, while Delta SkyMiles Reserve and Reserve Business cardholders earn 1 MQD for every $10 spent.
Book flights in advance
Delta uses dynamic award pricing, which means that tickets booked with Delta SkyMiles will follow cash prices. Booking a last-minute trip will likely require a huge outlay of miles — as it’s a reflection of the high cash price of the flight. As a result, it’s definitely worth planning ahead when using your Delta SkyMiles. Remember that award tickets are fully refundable, and if the mileage cost drops after booking, you can rebook and obtain a partial refund of miles.
What TPG readers have to say about their favorite Delta credit cards
TPG readers maximize their Delta Air Lines credit cards by taking advantage of lounge access and reduced companion fares, among other perks. Read up about their favorite Delta cards below.
Note: Responses have not been edited.
Delta SkyMiles® Reserve American Express Card
“Delta SkyMiles Reserve Amex - reduced mileage awards, companion pass, preferred boarding, lounge access* and guest passes. The fee pays for itself if you use the lounge a few times each year.” — Milos K via Facebook
*Effective February 1, 2025: Eligible Reserve cardholders will receive 15 annual Sky Club visits, with unlimited annual visits after spending $75,000 in a year.
Delta SkyMiles® Platinum American Express Card
“Mileage bonus and reduced companion fare each year. The bonus helped me receive free tickets for an overseas trip and the companion fare will be used to go to visit a friend in Florida.” — TPG reader via X
Delta SkyMiles® Gold American Express Card
“Amex Delta Gold covered a charge from Enterprise in France. Complete coverage handled quickly.*”
*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
How we rate cards
What is Delta Air Lines?
Delta Air Lines is a major airline based in Atlanta, though it also has numerous hubs across the United States. It frequently ranks No. 1 in TPG’s annual report on the best airlines in the U.S., including the most recent iteration. Delta currently offers seven cobranded credit cards, many of which are featured on this list.
Delta offers four consumer credit cards and three business cards, meaning there's likely a good fit for you, whether you're a business owner or simply a Delta loyalist.
The four cobranded consumer Delta cards are:
- Delta SkyMiles® Blue American Express Card
- Delta SkyMiles® Gold American Express Card
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Reserve American Express Card
And the three cobranded business Delta cards are:
Delta cards work just like any other cobranded airline card. There are different types of cards for both business owners and everyday consumers. Each card offers something different such as lounge access and lucrative earning rates when booking flights directly with Delta.
Delta credit card benefits
The best Delta credit cards come with many unique benefits. Some of them are specific to flying on Delta, whereas others apply to general travel purchases or even non-travel merchants. The key is to identify which perks matter the most to you.
Earning Delta SkyMiles
Cobranded Delta credit cards earn Delta SkyMiles when you charge purchases to the card. Most offer bonus miles on Delta purchases, but some offer category bonuses on other purchases — including hotels and dining. You can then redeem these SkyMiles in a variety of ways, including for Delta flights as well as flights on multiple airline partners.
Welcome-offer bonus miles
Delta cobranded cards typically offer large welcome bonuses when new cardmembers reach minimum spending requirements. They tend to vary across the year, but you can view the current offers in this article.
Free checked baggage
The personal and business versions of the Delta Gold, Delta Platinum and Delta Reserve cards offer a free checked bag for the primary cardmember and up to eight companions traveling on the same reservation.
Companion certificates
The companion certificate is an annual perk offered upon card renewal for travelers with the personal or business versions of the Delta Platinum and Delta Reserve cards. If you hold the Delta Platinum Amex or Delta Platinum Business Amex, you’ll receive a companion certificate valid for a round-trip flight in select main cabin fare classes — all you need to pay for is the ticket’s taxes and fees. Meanwhile, Reserve and Reserve Business cardholders enjoy a similar certificate, but it’s extended to include certain first-class tickets as well.
How to apply for a Delta credit card
If you're interested in applying for a cobranded Delta credit card, you've got options. You can apply online using any of these links:
Consumer Delta cards:
- Delta SkyMiles® Blue American Express Card
- Delta SkyMiles® Gold American Express Card
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Reserve American Express Card
Business Delta cards:
- Delta SkyMiles® Gold Business American Express Card
- Delta SkyMiles® Platinum Business American Express Card
- Delta SkyMiles® Reserve Business American Express Card
You can also apply for a Delta card over the phone or by filling out a mail offer.
What credit score do you need to apply for a Delta card?
Your credit score should be 690 or higher to qualify for a Delta SkyMiles card. This doesn't mean that if your score is lower than 690 you'll automatically be denied for a Delta card; several factors related to your credit score also come into play each time you apply for a new credit card.
What are the benefits of having a Delta Air Lines credit card?
Delta cardholders get myriad benefits. These include perks like inflight discounts and free checked bags, although it's important to note that benefits vary based on what Delta card you have.
Delta SkyMiles loyalty program earning
You can earn SkyMiles on every trip you book with Delta. Depending on the card you hold, you can earn an unlimited number of SkyMiles that never expire. Each Delta card has its own earning structure:
- Both the Delta SkyMiles Blue and SkyMiles Gold Amex cards earn 2 miles per dollar on Delta purchases
- Both the Delta SkyMiles Platinum and the SkyMiles Reserve Amex cards earn 3 miles per dollar on Delta purchases
Additionally, Delta cardholders benefit from varying earning rates in categories including restaurants, supermarkets and hotel bookings.
What is the Delta SkyMiles program and how does it work?
Delta SkyMiles is a loyalty program that lets members earn miles on purchases made using their Delta credit cards in various categories — including the ones mentioned above.
What are MQMs?
Delta MQMs (Medallion Qualification Miles) are a unit of measurement that shows your level of progress when it comes to earning Medallion status with the airline. MQMs are a thing of the past, however, since Delta did away with them when it overhauled its SkyMiles program.
Airport lounge access
One Delta credit card provides access to Delta Sky Clubs (which are now more difficult to access because you can no longer purchase daypasses). This lends an air of exclusivity to Sky Clubs, which Delta SkyMiles Reserve cardholders — as well as those who have purchased annual Sky Club memberships — are privy to.
Priority boarding
If you have the SkyMiles Gold, SkyMiles Platinum or SkyMiles Reserve credit card, you're eligible for priority boarding on Delta flights.
Global Entry or TSA PreCheck application Credit
The SkyMiles Platinum, Platinum Business, Reserve and Reserve Business Amex cards offer Global Entry or TSA PreCheck application fee credits.
How to choose the best Delta credit card
- Many of the cards on this list feature an annual fee, but that doesn’t mean you shouldn’t consider them. Depending on what you are looking to receive from your Delta credit card, many of the annual fees are well worth it.1Annual fee
- Our best Delta credit cards offer solid welcome bonuses. Determining whether you’re looking to earn Delta SkyMiles or transferable points is a great way to decide which card’s welcome bonus is the best value for you.2Welcome bonus
- All of the cards on this list offer elevated earning rates on your next Delta flight. Select cards also offer elevated earning on other categories like groceries and hotels. Opt for a card that will provide the most return on your unique spending habits.3Bonus categories
Ask our experts
What is your favorite Delta card — and why?
Pros + cons of Delta credit cards
Pros
- Delta credit cards can earn Delta SkyMiles (or flexible travel rewards) on every dollar you spend
- Some Delta credit cards offer shortcuts to Medallion status and other elite-like perks, including priority boarding
- Many Delta credit cards provide travel and shopping protections
- Select Delta credit cards provide perks like free checked bags, lounge access, statement credits and more
Cons
- The lack of a published award chart makes it difficult to know how many Delta miles you’ll need for a ticket in the future
- You may not fly with Delta enough to make a Delta credit card worthwhile — especially for those with high annual fees
Frequently asked questions
Choosing the best Delta card will depend on your personal (or business) spending habits. Delta offers three tier options for both its personal and business card products: Gold, Platinum and Reserve. There’s also the Delta SkyMiles® Blue American Express Card, a no-annual-fee card (see rates and fees) for those looking to earn Delta miles without an annual expense. However, even the most casual Delta traveler would likely benefit from a higher-end card.
The best card option for you will depend on whether you are looking for a business or personal credit card, along with how often you plan to fly with the airline. If you are a frequent Delta flyer or you are looking for a particular type of benefit, the premium card options may be better for you.
Delta offers a full lineup of cobranded credit cards with various annual fees. These credit cards come with a host of elitelike benefits — including perks like priority boarding, free checked bags and even airport lounge access. A Delta credit card that fits your spending habits can be well worth the annual fee and make a great addition to your wallet.
Only the two high-end cards — the Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Reserve Business American Express Card will get you complimentary access to the Delta Sky Club when you have a same-day Delta-operated or Delta-marketed flight. Each cardholder is allowed two guests (or immediate family members) at $50 apiece, but both cards include four one-time guest passes each year that will provide complimentary access.
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 starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
When you apply for a Delta credit card, you’ll include your SkyMiles number on the application page. This ensures that the miles you earn will post to your account, and it’ll also grant you any applicable perks when traveling on Delta-operated flights.
Once you’ve received your new Delta credit card in the mail, you’ll want to add it to your SkyMiles account as a payment method. Simply log in and navigate to your account page. Find the “My Wallet” section and then add the card as a stored payment method. You can also do this in the Delta app.
You can upgrade your Delta card, but you might not want to. Delta’s premium card options can seem alluring with their array of perks and big bonuses, but don’t jump the gun — even if you’re targeted for a one-time bonus for upgrading.
For starters, these upgrade offers are quite rare, and even when they appear, they’re almost always smaller than the welcome bonus of a new card application. In addition, thanks to Amex’s once-per-lifetime restriction on bonuses, upgrading to a higher-end Delta card may make you ineligible to earn the welcome bonus on the same card in the future.
Generally speaking, it is more beneficial to simply submit an application for the card you want.
Sky Priority is Delta’s premium airport service. The service is generally reserved for first-class and Delta One passengers, those with Gold Medallion (or higher) status and SkyTeam Elite Plus travelers. Unfortunately, no Delta card will grant you full Sky Priority benefits. However, most Delta cards will offer you priority boarding, and the higher-end cards include an elite status booster based on spending that can help you reach Gold Medallion, which in turn will give you Sky Priority.
Some Delta cards include coverage to help when things go wrong on a trip booked with the card, though a number of restrictions apply. You can view our guide to travel protections with American Express for complete details.
Yes, you can add your Delta credit card to your mobile wallet of choice. The process is pretty straightforward — usually, you can manually type in your card credentials or take a photo of your card to load it into a mobile wallet.
In short, no, SkyMiles do not expire. However, per Delta, they reserve "the right to deactivate or close an account (and accordingly remove all miles in the account)" if they suspect fraudulent activity or if you request that your account be closed, for example.
Yes, it's possible to hold more than one Delta card at a time. However, you should keep in mind that you're not eligible to receive the welcome offer on a Delta card more than once.