Best Delta Credit Cards of 2024

Posted by Reinaldo Massengill on Sunday, May 5, 2024

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

If you fly Delta Air Lines often, having a Delta credit card can help you earn enough miles for your next award flight and enjoy other perks with the airline, such as a free checked bag and priority boarding. Luckily, you have no shortage of options to consider.

Best Delta Credit Cards

Read on to learn more about the various Delta cards for consumers, and see which one is best for you. If you're not locked into a particular airline, make sure to check out our guides to the best airline credit cards and best travel credit cards.

Compare Delta Credit Cards

Best for occasional Delta flyers

Delta SkyMiles® Gold American Express Card

American Express Delta SkyMiles® Gold American Express Card Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.1/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn unlimited 1-2 miles per dollar on purchases.

Annual Fee

$0 intro for the first year, then $99

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn 40,000 bonus miles

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns bonus miles at restaurants and US supermarkets
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro annual fee is $0 for the first year (then $99)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You get a free checked bag and Main Cabin 1 Priority Boarding on Delta flights
Cons
  • con icon Two crossed lines that form an 'X'. Doesn't go above and beyond in terms of benefits beyond Delta perks
Product Details
  • Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Enjoy your first checked bag free on Delta flights.
  • 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 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
  • Earn 1X Mile on all other eligible purchases.
  • $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
  • Want even more flexibility? 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.

Best business card for occasional Delta flyers

Delta SkyMiles® Gold Business American Express Card

American Express Delta SkyMiles® Gold Business American Express Card Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 2x Miles on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media (effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year), Earn 2x Miles on eligible purchases made directly with Delta. Earn 2x Miles on every eligible dollar spent at restaurants, Earn 1X Miles on all other purchases.

Annual Fee

$99 (with a $0 intro for the first year)

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn up to 50,000 bonus miles

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Intro annual fee is $0 for the first year (then $99)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns bonus miles on select business-related purchases as well as on Delta purchases
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Get a free checked bag and Main Cabin 1 Priority Boarding on Delta flights
Cons
  • con icon Two crossed lines that form an 'X'. Doesn't earn bonus miles on common expenses like dining
Product Details
  • Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
  • 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.
  • Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
  • Earn 2 Miles on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible 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.
  • Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
  • Pay no foreign transaction fees when you travel overseas.
  • $0 introductory annual fee for the first year, then $99.
  • Terms and limitations apply.

Best for frequent Delta flyers

Delta SkyMiles® Platinum American Express Card

American Express Delta SkyMiles® Platinum American Express Card Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.3/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 3x Miles on Delta purchases made directly with Delta. Earn 3x Miles at hotels when purchase made directly with the hotel. Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 1X Miles on all other purchases.

Annual Fee

$250

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn 50,000 bonus miles

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns bonus miles at restaurants worldwide and U.S. supermarkets
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual companion certificate can help you recoup most, if not all, of the annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You get a free checked bag and priority boarding on Delta flights
Cons
  • con icon Two crossed lines that form an 'X'. High annual fee
Product Details
  • Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
  • 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 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.
  • Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
  • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.

Best business card for frequent Delta flyers

Delta SkyMiles® Platinum Business American Express Card

American Express Delta SkyMiles® Platinum Business American Express Card Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 3x Miles on Delta purchases made directly with Delta. Earn 1.5x Miles on purchases over of $5,000 or more everywhere else, up to 50,000 additional miles per calendar year. Earn 1x Miles on all other purchases.

Annual Fee

$250

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn up to 60,000 bonus miles

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual companion certificate benefit helps you recoup the annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Application fee credit of up to $85 for TSA PreCheck and up to $100 for Global Entry
Cons
  • con icon Two crossed lines that form an 'X'. Doesn't earn bonus miles on everyday purchase categories like dining and office supply stores
Product Details
  • Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
  • 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.
  • You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per Calendar year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
  • Delta Sky Club® Access - Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
  • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
  • Terms and limitations apply.

Best for airport lounge access

Delta SkyMiles® Reserve American Express Card

American Express Delta SkyMiles® Reserve American Express Card Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.1/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 1-3 miles per dollar on purchases.

Annual Fee

$550

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn 60,000 bonus miles

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual companion certificate benefit, which is valid for domestic first class and Comfort+ as well as the main cabin
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to Delta Sky Clubs and American Express Centurion Lounges when you're flying Delta
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 3x miles on Delta purchases
Cons
  • con icon Two crossed lines that form an 'X'. Very high annual fee
  • con icon Two crossed lines that form an 'X'. Doesn't offer bonus miles on non-Delta purchases
Product Details
  • Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
  • Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. 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.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
  • Eligible 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.
  • Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Enjoy your first checked bag free on Delta flights.
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $550 Annual Fee.
  • Terms Apply.

Best business card for airport lounge access

Delta SkyMiles® Reserve Business American Express Card

American Express Delta SkyMiles® Reserve Business American Express Card Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.1/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 3x miles on eligible Delta purchases. Earn 1.5x miles after you spend $150,000 on your card in a calendar year. Earn 1x miles on all other purchases.

Annual Fee

$550

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn up to 70,000 bonus miles

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual companion certificate that works in domestic first class
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Access to Delta Sky Club and American Express Centurion Lounges when you're flying Delta (Effective 2/1/25, Reserve card members will receive 15 visits per year to the Delta Sky Club and must spend $75,000 or more in total eligible purchases on the card to earn an unlimited number of visits each year going forward)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 3x miles on eligible Delta purchases
Cons
  • con icon Two crossed lines that form an 'X'. Very high annual fee
  • con icon Two crossed lines that form an 'X'. No bonus miles on non-Delta purchases
Product Details
  • Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
  • Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together. *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 (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
  • When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner.
  • After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
  • Enjoy 3x miles per dollar on Delta purchases.
  • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
  • Terms and limitations apply.

Best with no annual fee

Delta SkyMiles® Blue American Express Card

American Express Delta SkyMiles® Blue American Express Card Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.5/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 1-2 miles per dollar on purchases

Annual Fee

$0

Intro APR

N/A

Regular APR

20.99% - 29.99% Variable

Intro Offer

Earn 10,000 bonus miles

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns bonus miles at US restaurants
Cons
  • con icon Two crossed lines that form an 'X'. Doesn't offer benefits like a free checked bag when you fly Delta
Product Details
  • Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
  • No Annual Fee.
  • Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
  • Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
  • Pay with Miles: 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 after you use your Card on eligible Delta in-flight purchases of food and beverages.
  • No Foreign Transaction Fees.
  • Terms Apply.

Delta Credit Card Frequently Asked Questions 

Delta credit cards are worth it if you fly Delta Air Lines and like to earn and redeem Delta miles. While all but one Delta credit card comes with an annual fee, these annual fee-incurring cards have a variety of Delta-centric benefits. The one with the most measurable value is its free first checked bag for the cardholder and up to eight companions. If you fly Delta and check bags, this perk alone can make having a card more than worthwhile.

You'll need at least a good credit score to be considered for a Delta card, which means a FICO score of at least 670.

It's possible to upgrade and downgrade your Delta personal card to a different Delta personal card. And it's possible to do the same from one Delta business card to another. You can often achieve this simply through the Amex chat feature.

However, you may forfeit a welcome bonus offer by product changing your Delta card. American Express occasionally will target cardholders for valuable bonuses when upgrading their card, but there is no guarantee you will ever receive one of these offers. Therefore, it's usually better to apply for a new Delta card instead of product changing.

Delta credit cards regularly offer intro bonuses between 40,000 and 50,000 miles after meeting minimum spending requirements. American Express tends to boost these offers a handful of times each year.

Holding an Amex Delta Reserve card is the cheapest way for those without Delta elite status to gain unlimited access to Delta Sky Clubs whenever you fly with Delta (effective 2/1/25, Reserve card members will receive 15 visits per year to the Delta Sky Club and must spend $75,000 or more in total eligible purchases on the card to earn an unlimited number of visits each year going forward). However, The Platinum Card® from American Express and The Business Platinum Card® from American Express also offer Delta Sky Club access whenever you fly with Delta and carry your Platinum card.

Your Delta Amex account and Delta SkyMiles airline account are completely separate. If you want to pay your credit card bill, you'll need to head to your American Express account page — not the Delta website.

Delta SkyMiles are worth 1.1 cents apiece, on average, based on Personal Finance Insider's 2024 points and miles valuations. Be sure to check out our guide to earning and redeeming Delta miles to find out the best ways to make the most of your rewards.

Delta miles aren't just good for booking flights on Delta. You can redeem them for award tickets on other SkyTeam alliance carriers, including Air France, KLM, Korean Air, Virgin Atlantic, and other non-alliance partners like WestJet.

Best for Occasional Delta Flyers

Delta SkyMiles® Gold American Express Card

The Delta SkyMiles Gold Card is the best option for someone who flies Delta a couple of times a year but doesn't travel regularly enough to use the heftier cards' perks (more on that later). Right now, it's offering an intro bonus of 40,000 bonus miles after you spend $2,000 in purchases on your new card in the first six months from account opening. That's worth $440 in travel, per Insider's valuations.

One of the biggest perks: The card offers a free first checked bag on Delta flights for the cardholder and up to eight companions on the same reservation. Delta charges $30 each way for the first checked bag, so this can save up to $60 per person on a round-trip itinerary.

Cardholders and travel companions also get Main Cabin Zone 1 priority boarding. This means you can board the plane sooner, giving you plenty of time to settle into your seat or find overhead space for any carry-on luggage. Zone 1 is after most Delta elite frequent flyers and premium-cabin passengers, but is usually within the first half of passengers to board.

Other perks include 15% off Delta award flights, a 20% discount on inflight purchases (in the form of a statement credit), such as food or drinks, a $100 Delta flight credit after you spend $10,000 on the card in a calendar year, and no foreign transaction fees.

When you have any Amex Delta card, you can access Delta's Pay With Miles feature, which allows you to redeem miles toward paid airfare at a flat rate of 1 cent each — without worrying about award charts or availability.

Gold Delta SkyMiles Amex Card Review

Delta SkyMiles® Gold Business American Express Card

If you're a small-business owner, you might want to consider the business version of this card — the Delta SkyMiles® Gold Business American Express Card — which also has an annual fee of $99 (with a $0 intro for the first year).

The main difference is that the business version offers 2x miles on eligible U.S. purchases for advertising in select media and on eligible U.S. shipping purchases rather than on purchases at U.S. supermarkets (Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year). Both versions offer 2x miles on Delta purchases and restaurant purchases.

The Delta SkyMiles® Gold Business American Express Card is currently offering an intro bonus of 50,000 bonus miles after spending $2,000 in purchases on your new card in the first three months of card membership. You should have no trouble getting an average of $550 from this bonus, per Insider's valuations.

American Express Delta Gold Business Card Review

Best for Frequent Delta Flyers

Delta SkyMiles® Platinum American Express Card

If you fly Delta somewhat regularly, the Delta SkyMiles® Platinum American Express Card  is a better option, thanks to an often-overlooked benefit that can completely cover the annual fee each year. This card offers an intro bonus of 50,000 bonus miles after you spend $3,000 in purchases on your new card in the first six months from account opening. That's worth an average of $550 in Delta flights, according to Insider's valuations.

The Delta SkyMiles® Platinum American Express Card has most of the same perks as the Gold version, like priority boarding and free checked bags on Delta flights. The card also offers a Global Entry or TSA PreCheck application fee credit of up to $100, and it gets cardholders access to Sky Club lounges at a discounted rate of $50 (effective 1/1/24, this benefit will no longer be available).

However, the Delta SkyMiles® Platinum American Express Card comes with another huge perk. After your first year with the card, you'll get an annual domestic companion certificate each year at your cardmember anniversary. A Delta companion certificate is essentially a buy-one-get-one-free coupon. When you book an economy-class flight for yourself anywhere within the continental US, you can get a second ticket for free, other than minimal taxes and fees.

The companion pass can easily cancel out the card's $250 annual fee. Plus, each year that you spend $25,000 or more on the card, you earn a bonus of 10,000 Medallion® Qualification Miles (MQMs) — up to two times — and have the Medallion Qualifying Dollar (MQD) requirement for most elite status levels waived. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the card.

When you have Medallion status, you can enjoy things like free upgrades to first class or extra-legroom seats whenever you fly, subject to availability.

Platinum Delta Amex Card Review

Read our comparison of the Delta SkyMiles Gold and Delta SkyMiles Platinum cards to find out which version is a better pick for you.

Delta SkyMiles® Platinum Business American Express Card

If you're a frequent Delta flyer and you want a small-business credit card, check out the Delta SkyMiles® Platinum Business American Express Card, which also has a $250 annual fee. One unique benefit of this card is the ability to earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (up to 50,000 additional miles per calendar year).

Right now, the Delta SkyMiles® Platinum Business American Express Card welcome bonus offer is 60,000 bonus miles after spending $3,000 in purchases on your new card in the first three months of card membership. That's worth $660 in travel, according to Insider's valuations.

Delta American Express Platinum Business Card Review

Best for Airport Lounge Access

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card has a higher $550 annual fee, but it has a few additional perks that can make it worthwhile for some frequent flyers. Right now, it's offering an intro bonus of 60,000 bonus miles after you spend $5,000 in purchases on your new card in the first six months from account opening. That's worth an average of $660 in travel, per Insider's valuations.

Like the Delta SkyMiles® Platinum American Express Card, it offers an annual domestic companion certificate. However, the Delta Reserve's pass can be used for first-class tickets, not just economy.

Additionally, the Delta SkyMiles® Reserve American Express Card offers access to Delta Sky Club airport lounges whenever the cardholder is flying with Delta (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). Plus, Reserve cardholders can now access Amex Centurion Lounges when they're flying Delta and pay for their ticket with a US-issued American Express card. Centurion Lounges are known for high-end complimentary food and drinks, so this is a great added value.

Other recently added benefits include two Delta Sky Club one-time guest passes, up to $100 for a Global Entry or TSA PreCheck application fee credit, and access to complimentary upgrades for non-elite Delta members. 

The Delta SkyMiles® Reserve American Express Card has one other major perk, which can be crucial for travelers who hold Delta Medallion elite status. Delta Medallion members are eligible for complimentary, space-available upgrades to first class and Delta One on flights within the US and the region, including Mexico and Central America, and extra-legroom seats on international flights.

Upgrades clear in a hierarchical order based on several factors, including each passenger's status level, the original fare class they booked, and a few other factors. The first tiebreaker for people with the same Medallion level and fare class is whether they hold the Delta SkyMiles® Reserve American Express Card. Reserve cardholders will be prioritized over those without it. If there's only one seat left and two members are still tied and both have the Reserve, it continues down the list of tiebreakers.

For travelers who fly a lot and frequently find themselves one or two upgrade-list spots away from getting that first-class seat, holding the Delta SkyMiles® Reserve American Express Card can be extremely valuable. 

Delta Reserve Review

Delta SkyMiles® Reserve Business American Express Card

There's also the Delta SkyMiles® Reserve Business American Express Card, which offers similar benefits for small-business users, but there's a difference in earning rates. With the business version, after you spend $150,000 in purchases on your card in a calendar year, you can earn 1.5 miles per dollar on eligible purchases for the rest of the calendar year.

The Delta SkyMiles® Reserve Business American Express Card offers an intro bonus of 70,000 bonus miles after spending $5,000 in purchases on your new card in the first three months of card membership. This is worth $770 in travel, on average (per Insider's valuations).

Amex Business Delta Reserve Card Review

Best With No Annual Fee

Delta SkyMiles® Blue American Express Card

If you want to earn Delta miles on your everyday spending without paying an annual fee, the Delta SkyMiles® Blue American Express Card is an option, with a bonus of 10,000 bonus miles after spending $1,000 in purchases on your new card in the first six months from account opening.

It offers relatively limited benefits, but it waives foreign transaction fees, and you'll get 20% off eligible inflight purchases on Delta when you pay with the card. That's not bad for a no-annual-fee travel credit card.

If you already have an American Express card that earns Amex Membership Rewards points, like The Platinum Card® from American Express or The Blue Business® Plus Credit Card from American Express, remember that you can transfer your points to Delta at a 1:1 ratio, so you may not need a Delta co-branded card if you don't want the additional perks offered by the options with annual fees.

Delta SkyMiles Blue Amex Card Review

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