Updated: 1 day ago
Non-Affiliate Product Disclaimer: The information for the Delta Reserve Credit Card from American Express and the Platinum Delta SkyMiles Credit Card from American Express has been collected independently by One Mile at a Time. The card details on this page have not been reviewed or provided by the card issuer.
Delta Air Lines offers the best overall domestic experience of the “Big Three” US carriers, primarily by being just a little bit better than United or American at all the basic functions of operating an airline. Delta has invested in comfortable new aircraft, refurbished their existing fleet with spiffy new interiors and in-flight entertainment, and is putting customers first by allowing them to pause their Medallion status during big life events, and trialing free Wi-Fi. Delta is becoming the leader in domestic travel, so it makes sense that you’d want to find the best credit card for earning Delta miles and other benefits.
Best Delta Credit Card Offers of January 2020
Delta credit cards are issued exclusively by American Express, and there are seven different credit cards for consumers to choose from. That means there are a variety of Delta SkyMiles credit card offers out there, which is complicated by the fact that there are both personal and business versions.
Each of these cards has a separate welcome bonus, but you can typically expect to earn tens of thousands of bonus SkyMiles when you’re approved for a Delta credit card and meet the minimum spending requirements. These offers do change frequently, but OMAAT keeps this page updated as the deals and offers fluctuate. In general, the premium cards (with higher annual fees) offer more introductory miles and better ongoing benefits, but they can all be good options depending on your circumstances. Here are the best Delta credit card offers available today:
When flying Delta, this card gives you Delta Sky Club® access and allows you to earn bonus MQMs. Current Offer The American Express Membership Rewards cards are generally a better option for accruing Delta SkyMiles, but if you need the MQMs this card is worth considering. The MQD requirement for the qualification year will be waived if you make at least $25,000 in Eligible Purchases in that year with your Delta SkyMiles Credit Card. Card Details While it might not be the best option for the savvy traveler, it’s nice to see an airline introducing a no annual fee credit card. People often want to have a card from a brand they like, and lots of people like Delta. For a no annual fee card, the card is more generous than I was expecting. Current Offer Card Details The MQD requirement for the qualification year will be waived if you make at least $25,000 in Eligible Purchases in that year with your Delta SkyMiles Credit Card. As of January 30, 2020, this card has some significant changes coming. Current Offer The American Express Membership Rewards cards are generally a better option for accruing Delta SkyMiles, but the MQD requirement for the qualification year will be waived if you make at least $25,000 in Eligible Purchases in that year with your Delta SkyMiles Credit Card. Card Details
Delta Reserve for Business Credit Card
Platinum Delta SkyMiles® Business Credit Card from American Express
Blue Delta SkyMiles® Credit Card from American Express
Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
• Earn 2 miles per dollar at US restaurants.
• Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
• Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
Gold Delta SkyMiles® Credit Card from American Express
Gold Delta SkyMiles® Business Credit Card from American Express
How To Earn The Most Delta SkyMiles
Ironically, while the Delta SkyMiles credit cards offer great benefits when you’re flying Delta, they typically aren’t the best cards for actually earning the most SkyMiles!
That’s because Delta is a transfer partner of American Express Membership Rewards, and you can move points you earn with Amex Rewards to Delta at a 1:1 ratio. This is awesome for people who want to maximize the miles they earn, as the Membership Rewards cards typically have better returns on spend than the Delta cards.
For example, the Delta credit cards offer 2x miles for Delta purchases, but most only offer 1x on all other spend. If you have purchases beyond Delta tickets (and let’s face it, most of us do), then you can probably earn more miles with a different card. Depending on which Membership Rewards card you choose, you could earn up to:
- 5X Membership Rewards® on flights booked directly with airlines
- 5X Membership Rewards® points on eligible hotels booked on amextravel.com
- 4X Membership Rewards® points at U.S. restaurants
- 4X Membership Rewards® points at U.S. supermarkets
- 4X Membership Rewards® for selected small business expenses
- 2X points at U.S. gas stations
- 2X Membership Rewards® points on everything for the first $50,000 you spend in a year
No one card offers all of these earnings rates, but the variety means it’s easy to choose a card that will allow you to earn the most miles on the purchases you’re already making. Again, these points can all be transferred directly to your SkyMiles account.
So for those wondering how to earn Delta SkyMiles quickly, you’ll want to check out these cards and their earning structures:
Current Offer While the annual fee is high the card comes with lots of benefits that help negate the annual fee, including a $200 Airline Fee Credit, which gives you up to $200 a year in baggage fees and more at one airline. Current Offer Card Details This card offers strong rewards for small businesses. No other card matches it for base earning on up to the first $50,000 per year. Card Details Membership Rewards has many transfer partners, including Aeroplan, British Airways, Delta, and Singapore, and this card lets you earn great bonuses in the categories that many of us use most often. Current Offer While the annual fee is high the card comes with lots of benefits that help negate the annual fee, and this is a great welcome bonus on this card. Current Offer Earning 4X Membership Rewards® for small business expenses is an awesome return, and we especially like that it automatically applies to the categories you use most in a billing cycle, rather than having to choose just one or two each year. Current Offer If you make frequent transactions in a month the Amex EveryDay cards are a great option. In addition to accruing points in bonus categories, these cards offer an additional incentive based on how many times the card is used in a month. This can be quite lucrative, especially as these cards accrue Membership Rewards points. Membership Rewards points can be transferred to airline partners for the best value, or used to pay for all or part of your flight, prepaid hotel, vacation or cruise through amextravel.com. Current Offer Card Details If you make frequent transactions in a month the Amex EveryDay cards are a great option. In addition to accruing points in bonus categories, these cards offer an additional incentive based on how many times the card is used in a month. This can be quite lucrative, especially as these cards accrue Membership Rewards points. Membership Rewards points can be transferred to airline partners for the best value, or used to pay for all or part of your flight, prepaid hotel, vacation or cruise through amextravel.com. Current Offer Card Details Current Offer
Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards® points on eligible hotels booked on amextravel.com. Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
The Blue Business® Plus Credit Card from American Express
Amex EveryDay® Preferred Credit Card
Earn 20,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
3x points at US Supermarkets on up to $6,000 per year in purchases; 2x points at US gas stations; 1x points on other purchases. Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits.
Amex EveryDay® Credit Card
Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
Business Green Rewards Card from American Express
Delta SkyMiles Credit Card Benefits
While there may be better ways to earn SkyMiles, the Delta credit cards offer some benefits you won’t want to miss, even if you only fly Delta once or twice a year:
- Free checked bags on Delta — The Delta Gold, Platinum, and Reserve cards (regardless of whether you have the personal or business version) all let you check your first bag for free. In fact, not only is your first bag checked for free, the baggage fees for nine other passengers on your same reservation are waived as well!
- Earn double SkyMiles on Delta purchases — All of the Delta credit cards (even the no-fee Blue Delta SkyMiles® Credit Card from American Express) earn 2 Miles per dollar spent on purchases made directly with Delta.
- In-Flight Savings — Each of the Delta SkyMiles credit cards can save you money on your in-flight purchases. Simply use your card for eligible purchases when flying Delta (this includes stuff like meals, drinks, and headseats, but excludes wifi), and you’ll receive a 20% savings in the form of a statement credit. Plus, since these count as Delta purchases, you’re earning 2x Miles!
- Earn elite status — If you play your cards (hah!) right, it’s even possible to earn Medallion status through your credit card spending alone. You’ll need the Platinum Delta SkyMiles® Credit Card from American Express, Platinum Delta SkyMiles® Business Credit Card from American Express, Delta Reserve® Credit Card from American Express, or Delta Reserve for Business Credit Card to take advantage of this unique perk.
- Companion tickets — As long as you have one of the above four cards, you’ll receive a companion certificate each year on your Delta credit card anniversary. These can be used to bring a travel companion with you for roundtrip travel within the 48 contiguous United States, and you’ll only pay the taxes and fees! Platinum Delta SkyMiles® Credit Card from American Express and Platinum Delta SkyMiles® Business Credit Card from American Express cardholders can book into the Main Cabin, while the certificates that come with the Delta Reserve® Credit Card from American Express and Delta Reserve for Business Credit Card can be used for Main Cabin, Comfort+, or First Class.
- Delta Sky Club Access — There are several great cards that give you airport lounge access, including SkyClub access, but if you only want to get into the Delta lounges, or need to earn MQMs, your best Delta credit card options are the Delta Reserve® Credit Card from American Express and Delta Reserve for Business Credit Card. Both allow you to enter a Delta Sky Club® at no cost, or you can bring up to two guests for $29 each. Meanwhile, if you have the Platinum or Gold Delta cards, you and up to two guests can access the Sky Club when flying Delta at a per-visit rate of $29 per person.
- Medallion Qualification Dollar (MQD) Waiver — If you’re aiming for elite status with Delta, it’s no longer sufficient to just fly the requisite number of miles. You also have to spend a certain amount on Delta or partners in order to meet the Medallion Qualifying Dollar (MQD) requirement. Fortunately, the Delta SkyMiles credit cards offer a benefit that can help you get there; by spending $25,000 in a year on any of the Delta Gold, Platinum, or Reserve cards, you’ll receive an MQD waiver for Delta Silver, Gold, or Platinum Medallion status. You can technically spend $250,000 in a calendar year to receive a waiver for Diamond status, but we wouldn’t really recommend it.
- No foreign transaction fees — We’d recommend other cards for international travel, but if you happen to use your Delta Gold, Platinum, or Reserve card overseas, you won’t pay an extra fee.
- Pay with Miles — This certainly wouldn’t be our first choice for redeeming SkyMiles, as we’d much rather redeem them at the saver level for travel on partner airlines, but those with one of Delta’s co-branded credit cards have the option to redeem SkyMiles for a penny apiece towards the cost of airfare. This can actually be a decent deal in some circumstances!
- Get bumped up the upgrade list — There are a few factors that influence your spot on the upgrade list, and having a SkyMiles credit card is one of them. Just being a cardholder of the Delta Reserve® Credit Card from American Express or Delta Reserve for Business Credit Card can move you to a higher upgrade priority. If you hold any of the Gold or Platinum Delta cards and have met the spending for your MQD waiver, that can give you a boost as well.
So which is the best credit card for Delta flyers?
Best Overall (Plus best for elite status) |  Platinum Delta SkyMiles® Credit Card from American Express | Apply Now |
Best Overall Business (Plus best for elite status) |  Platinum Delta SkyMiles® Business Credit Card from American Express | Apply Now |
Best for First Class (flights and upgrades) | Delta Reserve® Credit Card from American Express | Apply Now |
Best for Road Warriors |  Delta Reserve for Business Credit Card | Apply Now |
Best for Lounge Access |  The Platinum Card® from American Express | Apply Now |
Best Business Lounge Access |  The Business Platinum® Card from American Express | Apply Now |
Best for Free Checked Bags (Ideal for occasional travelers) |  Gold Delta SkyMiles® Credit Card from American Express | Apply Now |
Best Business Card for Free Checked Bags |  Gold Delta SkyMiles® Business Credit Card from American Express | Apply Now |
Best for No Annual Fee |  Blue Delta SkyMiles® Credit Card from American Express | Apply Now |
It really depends on your situation, but the good news is that Delta flyers don’t actually have to choose one card for all time! American Express limits you to receiving the welcome bonus once per lifetime on a particular card, but there’s no reason why you can’t apply for different Delta credit cards over time. If you have one of the Gold Delta American Express cards, for example, you could apply for one of the Platinum versions to take advantage of the companion ticket. Or, if your flying patterns change, it might make sense to apply for either the personal or business Delta Reserve cards to earn extra MQMs.
Either way, we’d recommend applying for your new Delta SkyMiles credit card “from scratch” if you’re eligible, rather than calling to ask for a product change. When you upgrade or downgrade your card, you miss out on any bonus miles being offered as part of the welcome offer.
Hi if you get the plat card and buy a delta gift certificate will they reimburse you the $100 with a a $100 GC purchase? And if not is there a way around this? Also applies for delta gold but for $50. Thx Al