Do you fly Delta Airlines frequently? A Delta credit card can provide perks like free checked bags, bonus miles, priority boarding and more. With multiple Delta credit card options to choose from, picking the right one for your needs takes research.
This article covers everything you need to know about the Delta airlines credit card offerings. We’ll compare the different Delta Airlines Credit Card and their benefits, miles bonuses, fees, and more. Find the best Delta credit card based on your flying habits and credit profile.
The Delta Credit Cards
Delta Air Lines partners with American Express to offer U.S.-issued credit cards that allow you to earn SkyMiles rewards. There are four Delta credit cards to choose from:
- Delta SkyMiles® Blue American Express Card
- Delta SkyMiles® Gold American Express Card
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Reserve American Express Card
The Delta cards range from no annual fee to high annual fees, and offer different benefits, bonuses, and earning rates. We’ll compare them all to help you decide which one is the best fit.
A Delta credit card can make sense if you frequently fly Delta for personal or business travel. The perks can make your Delta travel experience smoother and more rewarding.
Delta Credit Card Miles Benefits
One of the biggest benefits of the Delta credit cards is the ability to earn miles on your everyday spending. Here’s a comparison of how miles earning works with each card:
Delta SkyMiles® Blue Card
- 2x miles at restaurants worldwide
- 2x miles on Delta purchases
- 1x mile on all other eligible purchases
$0 intro annual fee for the first year, then $99
Delta SkyMiles® Gold Card
- 2x miles at restaurants worldwide
- 2x miles on Delta purchases
- 1x mile on all other eligible purchases
$0 intro annual fee for the first year, then $99
Delta SkyMiles® Platinum Card
- 3x miles on Delta purchases
- 2x miles at restaurants worldwide
- 1x mile on all other eligible purchases
$250 annual fee
Delta SkyMiles® Reserve Card
- 3x miles on Delta purchases
- 1.5x miles on all other eligible purchases
$550 annual fee
As you can see, the Delta credit cards make it easy to rack up miles through everyday spending. The Platinum and Reserve cards specifically offer bonus earn rates on Delta purchases.
Delta Credit Card Welcome Bonus Offers
In addition to earning miles on spending, the Delta cards come with generous welcome bonus offers for new cardholders:
Delta SkyMiles® Blue Card – 10,000 bonus miles after spending $500 in the first 3 months
The Delta SkyMiles® Gold Card – 50,000 bonus miles after spending $2,000 in the first 3 months
Delta SkyMiles® Platinum Card – 90,000 bonus miles after spending $3,000 in the first 3 months
The Delta SkyMiles® Reserve Card – 90,000 bonus miles and 10,000 Medallion® Qualification Miles after spending $5,000 in the first 3 months
The bonus miles give your account balance an instant boost and make it easier to earn an award flight quicker. To maximize these offers, be sure to hit the minimum spending requirements within the 3 month periods.
Delta Credit Card Benefits and Perks
In addition to bonus miles, Delta’s credit cards come with money-saving perks and benefits for your Delta travel experience:
Free checked bag – First checked bags fly free for cardholder and companions on same itinerary (Gold, Platinum, and Reserve cards)
Priority boarding – Cardholders can board earlier than general seating (Platinum and Reserve cards)
Inflight discounts – Save on Delta inflight food, beverages and audio headsets (Gold, Platinum and Reserve cards)
Lounge access – Cardholder can access Delta Sky Club airport lounges when flying Delta (Platinum and Reserve cards)
Upgrade certificates – Earn certificates to upgrade to Comfort+ or First Class (Platinum and Reserve cards)
Annual companion pass – Domestic companion pass each card anniversary year (Platinum and Reserve cards)
Global Entry/TSA PreCheck fee credit – Up to $100 credited every 4-5 years for these programs (Gold, Platinum and Reserve cards)
No foreign transaction fees – On any worldwide purchases (Platinum and Reserve cards)
Reviewing these travel benefits can help decide if paying a Delta credit card’s annual fee is worthwhile for your flight frequency and needs.
Delta Credit Cards Fees
Here are the key fees to be aware of with the different Delta credit cards from American Express:
Delta SkyMiles® Blue Card
- Annual Fee: $0 for the first year, then $99
- Balance Transfer Fee: N/A (balance transfers not offered)
- Foreign Transaction Fee: None
The Delta SkyMiles® Gold Card
- Annual Fee: $0 for the first year, then $99
- Balance Transfer Fee: N/A (balance transfers not offered)
- Foreign Transaction Fee: None
Delta SkyMiles® Platinum Card
- Annual Fee: $250
- Balance Transfer Fee: N/A (balance transfers not offered)
- Foreign Transaction Fee: None
The Delta SkyMiles® Reserve Card
- Annual Fee: $550
- Balance Transfer Fee: N/A (balance transfers not offered)
- Foreign Transaction Fee: None
The Platinum and Reserve cards have higher annual fees but offer premium benefits like Delta Sky Club lounge access. There are no foreign transaction fees on any of the Delta cards.
Other standard fees like late payment fees, returned payment fees, and over limit fees may apply if those situations occur on the account. Be sure to pay the monthly bill on time and in full.
Steps to Apply for a Credit Card for Delta Airlines
- Check your credit score. Aim for a score of at least 700 to qualify for the best Delta card offers. Review your credit reports and resolve any errors.
- Decide which Delta credit card you want. The Delta SkyMiles® Blue Card has no annual fee. The Delta SkyMiles® Gold Card offers a free checked bag. The Delta SkyMiles® Platinum Card provides airport lounge access. Pick based on your needs.
- Gather information needed for the application. This includes your Social Security Number, birthdate, income details, employment history, and contact info. Have your driver’s license ready too.
- Apply online at the American Express website. Complete the secure credit card application for the Delta card you chose. Applying online is faster than calling or applying in person.
- Provide any requested documentation. You may need to submit scanned or photographed ID, income verification, or other files during the approval process.
- Carefully review terms before accepting. The cardholder agreement contains important information on rates, fees, and program rules you need to know before accepting.
How to Login to Your Delta Credit Card Account
Once approved, you can create an online account to easily manage your Delta credit card:
- Visit the American Express website
- Click on “Login” then “Log In to Your Account”
- Enter your card username and password
- Once logged in, you can see your balance, transaction history, make payments, redeem rewards and more
You can also download the Amex app to access your account conveniently on your mobile device. Manage your Delta credit card on the go to stay on top of your balance and rewards.
Conclusion on Delta Airlines Credit Card
The Delta credit cards from American Express offer valuable travel benefits and make earning Delta miles more rewarding. Pick the card that gives you the most features matching your typical spending and Delta travel habits.
Just be sure to pay balances off in full each month and take advantage of the card’s bonus mileage categories to maximize your earning power. With the right Delta credit card in your wallet, you can tap into perks that enhance every Delta Airlines trip.
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