Best Delta credit cards of November 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
- Delta SkyMiles® Platinum American Express Card: Best for mid-tier Delta flyers
- Delta SkyMiles® Reserve American Express Card: Best for Sky Club access
- The Platinum Card® from American Express: Best for luxury benefits
- American Express® Gold Card: Best for dining at restaurants
- Delta SkyMiles® Reserve Business American Express Card: Best for high-spending businesses
- Delta SkyMiles® Platinum Business American Express Card: Best for mid-tier business owners who fly Delta
- Delta SkyMiles® Gold Business American Express Card: Best for small businesses who occasionally fly Delta
- American Express® Green Card: Best for flexible rewards
Best for casual Delta flyers
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 50,000 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Best for mid-tier Delta flyers
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
- Statement 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 60,000 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 a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip 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 back 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.
- 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.
- Receive either a $120 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Best for Sky Club access
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 ($120 starting Oct. 1, 2020) 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 70,000 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® when you fly 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. 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 a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Best for luxury benefits
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, an assortment of 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.
- 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 through American Express Travel using 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: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 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 $120 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 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
Best for dining at restaurants
4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants (on the first $50,000 in purchases per calendar year; then 1 point per dollar) 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, and Five Guys, plus it added an 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. The card must be added to your Uber account and you can redeem with any Amex card. All this make 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 (on the first $50,000 in purchases per calendar year; then 1 point per dollar) 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 amextravel.com
- Generous welcome offer
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 on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $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. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Best for high-spending businesses
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 80,000 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.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Best for mid-tier business owners who fly Delta
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 70,000 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 the 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.
Best for small businesses who occasionally fly Delta
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 60,000 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 SkyMiles® Gold Business 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.
Best for flexible rewards
American Express® Green Card
3X | Earn 3X Membership Rewards® points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals. |
3X | Earn 3X Membership Rewards® Points on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. |
3X | Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US. |
1X | Earn 1X Membership Rewards® points on all other purchases. |
Pros
- Decent earning rates across popular spend categories
- Annual Clear Plus credit
- Annual LoungeBuddy credit
- No foreign transaction fees
Cons
- $150 annual fee
- May not offer much value if you’re not a frequent traveler
The American Express® Green Card* is a solid choice for Delta flyers, especially for those who are looking to earn transferable rewards. The Amex Green Card earns 3 Amex Membership Reward points per dollar spent on travel and dining, which are transferable at a 1:1 ratio to Delta SkyMiles, making it a great option for Delta loyalists.
Additionally, the card comes with no foreign transaction fees, annual statement credit for CLEAR and LoungeBuddy. Although it carries a fair $150 annual fee, the reward rates and travel benefits can easily be worth it for a regular Delta flyer. Read our full review of the American Express Green Card.
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 50,000 Bonus Miles Open Intro bonus Earn 50,000 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 | mid-tier Delta flyers | Earn 60,000 Bonus Miles Open Intro bonus Earn 60,000 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 70,000 Bonus Miles Open Intro bonus Earn 70,000 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 | 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 | dining at restaurants | 60,000 points Open Intro bonus Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. | 1 - 4X points | $325 |
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 80,000 Bonus Miles Open Intro bonus Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. | 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 | mid-tier business owners who fly Delta | Earn 70,000 Bonus Miles Open Intro bonus Earn 70,000 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 | small businesses who occasionally fly Delta | Earn 60,000 Bonus Miles Open Intro bonus Earn 60,000 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 |
American Express® Green Card * *The information about the American Express® Green Card has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. Information updated as of 09/20/2024 | flexible rewards | Earn 40,000 points Open Intro bonus Earn 40,000 Membership Rewards® Points
after you spend $3,000 in eligible purchases on your American Express Green Card® within the first 6 months of Card Membership. | 1 - 3X points | $150 |
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.
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.
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, then 1 point per dollar). 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 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 the card numerous benefits, you can more than cover the card’s $325 annual fee. In addition, all points earned are transferable to Amex’s travel partners — which includes Delta SkyMiles. Enrollment required for select benefits.
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 (on up to $50,000 per calendar year in purchases, then 1 point), 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.
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 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 American Express® Green Card* earns transferable rewards on dining and travel, making it a great option for Delta flyers who want flexible reward earnings.
*The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If you regularly fly Delta but don’t want to limit your reward redemptions to Delta flights, the Amex Green* could be a solid contender.
“The Amex Green Card* is a solid card to add to your wallet due to its 3 points per dollar spent on general travel and transit purchases, as well as at U.S. restaurants. Plus, the card offers a Clear Plus statement credit worth more than its annual fee. - Katie Genter, senior writer
If you’re looking for a similar annual fee or more airline-based rewards, consider the Delta SkyMiles® Gold American Express Card. It features free checked bags, priority boarding and more Delta-exclusive perks for an annual fee of $150 ($0 introductory annual fee for the first year)(see rates and fees).