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May 8, 2017

Delta Credit Card: Which is Right for You?

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Fly Delta? A Delta credit card could give you special perks and earn miles faster. But which one is right for you? We break it down.

The best credit card for earning Delta SkyMiles may not be so obvious. Some don't even say "Delta" on them.

Delta's partnership is exclusively with American Express, a CreditDonkey partner. They offer multiple co-branded cards with AMEX. But there are also many American Express cards where you can earn AMEX Membership Rewards points that you can transfer into Delta SkyMiles.

Each credit card is different in its own way. Some may give more perks, while some may fit your everyday spending pattern better.

Which one is best for you? Let's go over their options and differences.

Do you live near a Delta hub? A Delta credit card may be worthwhile to consider. The biggest Delta hubs in the U.S. are: Atlanta (ATL), Detroit (DTW), Minneapolis (MSP), New York (LGA & JFK), Salt Lake City (SLC), Los Angeles (LAX), Seattle (SEA), Cincinnati (CVG), Boston (BOS), and Raleigh (RDU).

How to Decide Which Delta Card is Right for You

© CreditDonkey

With all the options for a SkyMiles earning card, how do you decide which one is right for you? Here are some questions to ask yourself:

  • How much do you value perks and benefits? Is getting things like free checked bags and priority boarding important to you? If so, you'll want to look into one of the AMEX and Delta co-branded cards. These are the only ones that will give you Delta-specific perks. The Gold Delta SkyMiles offers good perks for just an annual fee of $95 ($0 introductory annual fee for the first year).

    Delta purchases include: Delta flights booked directly with Delta, Delta baggage fees, in-flight meals and entertainment, seat upgrades, change fees, Delta SkyClub membership or passes, Delta Vacations packages, and Delta gift cards. On-board wifi does NOT qualify as a Delta purchase.

  • What about luxury benefits? The AMEX Platinum is a popular card for traveling in style.

  • Do you prefer more flexibility? If you don't want to be limited to just Delta (and its partners), then you'll want to opt for one of the AMEX Membership Rewards cards. With these cards, you'll have the option to transfer points to other popular North American partner carriers as well, including Jet Blue, Hawaiian Airlines, and Air Canada. You can also use points to book travel on amextravel.com, with any airline for any dates.

    Just note that with these cards, you'll lose Delta perks like free checked bags and priority boarding.

  • How much do you fly a year? Most travel reward cards come with an annual fee, so you'd have to be a semi-frequent flyer to make it worthwhile. If you're just an occasional vacationer, then look into the AMEX Everyday, which has no annual fee.

    Do you fly Delta for business? If so, look into the Delta business credit cards. They offer some extra features such as employee cards with spending limits and Spend Manager mobile app that help keep track of your receipts. If you want access to Delta Sky Club, you might also want to consider Delta Reserve or American Express Business Platinum.

  • What is your everyday spending? A lot of travel reward cards focus more on perks and not on a high points-earning structure. If your goal is to earn lots of points, look at AMEX Premier Rewards Gold, AMEX Everyday, or AMEX SPG. In our opinion, these cards have reward structures better suited for everyday spending.

Gold Delta SkyMiles: For Delta Perks

Gold Delta SkyMiles Credit Card from American Express
Apply for Gold Delta SkyMiles Credit Card from American Express
At American Express' Secure Site
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 26.24% Variable
$0 introductory annual fee for the first year, then $95

This co-branded Delta card rewards you for your loyalty. The value in this card is in the benefits.

You get Delta-specific perks such as the 1st bag checked for free (for up to 9 people on your reservation) and Zone 1 Priority Boarding. Additional benefits include reduced fee for Delta Sky Club lounges and discounts for in-flight purchases.

The annual fee is $95, but it's already more than worth it if you just fly once a year with a family of four (or twice a year with one other person), and each person checks a bag. And plus, there is a $0 introductory annual fee for the first year (then $95).

Get this card if: You fly Delta at least:

  • Once a year (round-trip) with a companion, and each of you check a bag
  • 2x a year (round-trip) alone, and you check a bag
  • Once a year with your family, and have at least 2 checked bags

Military Service Member: Delta does a lot to support those who serve our country. Among the efforts include:

  • Uniformed members are invited to board with First Class passengers
  • Active members get 4 free bags on Economy, or 5 on Business or First Class flights
  • Military personnel supporting the war effort in Iraq or Afghanistan get access to Delta Sky Club
  • Active members get discounted flights, vacation packages, and medical travel, and pet travel

In addition, you can also donate your SkyMiles through Delta SkyWish to support charities. Donate your miles to Hero Miles and Luke's Wings to help unite wounded or ill service members and veterans with their families.

Platinum Delta SkyMiles: For Earning MQMs

Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 26.24% Variable
$195

Disclaimer: The information for the Platinum Delta SkyMiles® Credit Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

The Platinum Delta and Delta Reserve are the luxury siblings of the Gold Delta SkyMiles.

The main additional benefits for these cards include:

  • You earn Medallion Qualification Miles (MQMs) after you spend a certain amount a year, which can buy you more benefits like seat upgrades.
  • You earn bonus SkyMiles (Annual Miles Boost) if you make a certain amount of purchases on your card each year.
  • You get a round-trip companion certificate each year, subject to terms and conditions.

So are they worth the higher fees?

The Platinum Delta SkyMiles has an annual fee of $195. We'd say that if you take advantage of all the perks, like free checked bags and the companion certificate, that could potentially justify the fee. And if you're a loyal Delta flyer, you may like the MQMs. But you would have to be a big spender.

For most Delta fans though, the Gold card is enough. In our opinion, the Platinum Delta and Delta Reserve are for big spenders who fly Delta a lot.

Get a flight discount when you Pay With Miles. This benefit is only for those who own Delta Gold, Platinum, or Reserve credit card. If you have at least 5,000 miles (per passenger on your itinerary), you can book a flight with your miles and receive a discount. Each 5,000 miles equals $50. And you still get to earn elite MQM points. Depending on the cost of the flight, this option could even cost less miles than a standard SkyMiles award ticket, especially during a Delta fare sale.

Get the Platinum Delta if:

  • Fly Delta at least twice a year (round-trip) with a companion, and each check a bag
  • Or 4x year (round-trip) alone, and you check a bag
  • Travel with a companion so you can make use of the Companion Certificate on eligible flights
  • You spend at least $25,000 a year ($2,084/month) on your credit card

 

Gold Delta SkyMiles

Delta Platinum AMEX

 

Interest Rates and Fees

Purchase APR17.24% to 26.24% Variable based on your creditworthiness and other factors17.24% to 26.24% Variable based on your creditworthiness and other factors
Balance Transfers APR17.24% to 26.24% Variable based on your creditworthiness and other factors17.24% to 26.24% Variable based on your creditworthiness and other factors
Annual Fee$0 introductory annual fee for the first year, then $95$195 annual fee
Terms Apply. See Rates & Fees 
 

Benefits and Features

Airline DealIntroductory Bonus Airline Rewards: Earn 30,000 Bonus Miles after spending $1,000 in purchases in the first 3 months and a $50 statement credit after making a Delta purchase in the first 3 months with your new Card.Introductory Bonus Airline Rewards: Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card within your first 3 months.
In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
AirlineAirline Rewards: Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.Airline Rewards: Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on other purchases.
Bonus Airline Rewards Bonus Airline Rewards: Enjoy a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Taxes and fees extra. Additional restrictions apply. See companion certificate for details.
Annual Miles Boost: Earn 10,000 bonus miles and 10,000 MQMs after you spend $25,000 in eligible purchases on the Card in a calendar year. Earn an additional 10,000 bonus miles and 10,000 MQMs after you spend $50,000 in eligible purchases on the Card in a calendar year.

Delta Platinum AMEX: Pricing information including interest rates, benefits and fees was obtained on April 12, 2018 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Platinum Delta SkyMiles® Credit Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Tip: Credit card refer a friend program allows you to earn more miles by recruiting your friends and family for the card that you own. This is a smart way to earn more Delta SkyMiles. Usually, the limit is 55,000 SkyMiles per year through this program. Not all Delta cards participate at all times and the payouts change from time to time. Usually, it's 5,000 bonus SkyMiles per referral, but sometimes, it's bumped up to 10,000 SkyMiles.

Earn Points and Convert to SkyMiles

Unfortunately, many travel reward cards don't give you a lot of points for everyday spending. Often, you only get bonus points for travel booking, and everyday purchases only earn 1x point per dollar. This means that if you don't fly often, it will be hard to rack up the points fast (unless you're an unusually big spender). But wait, take a look at this card:

Premier Rewards Gold Card from American Express
Apply for Premier Rewards Gold Card from American Express
At American Express' Secure Site
Card TypeAnnual Fee
Personal Charge Card
Introductory annual fee of $0 for the first year, then $195

This card offers a nice balance between earning rewards and travel perks. With bonus points on purchases at U.S. supermarkets, U.S. gas stations, and U.S. restaurants, you'll earn Membership Reward points fast, which you can then transfer into Delta SkyMiles.

Below is a side-by-side comparison chart of how the Premier Rewards Gold stacks up against the Gold Delta SkyMiles:

 

Gold Delta SkyMiles

Premier Rewards Gold Card

Earn 30,000 Bonus Miles after spending $1,000 in purchases in the first 3 months and a $50 statement credit after making a Delta purchase in the first 3 months with your new Card. - Learn more

Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months. - Learn more

 

Interest Rates and Fees

Purchase APR17.24% to 26.24% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR17.24% to 26.24% Variable based on your creditworthiness and other factorsN/A
Annual Fee$0 introductory annual fee for the first year, then $95Introductory annual fee of $0 for the first year, then $195
Terms Apply. See Rates & FeesTerms Apply. See Rates & Fees
 

Benefits and Features

AirlineAirline Rewards: Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.Airline Rewards: Earn 3X points for flights booked directly with airlines.
Airline StatusAirline Status: Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
Settle into your seat sooner with Priority Boarding.
Airline Status: $100 Airline Fee Credit. Up to $100 per calendar year for baggage fees and more at one qualifying airline.
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
Gas Gas Rewards: Earn 2X points at US gas stations.
Grocery Grocery Rewards: Earn 2X points at US supermarkets.
Restaurant Dining Rewards: Earn 2X points at US restaurants.
 Apply NowApply Now

Note: The Premier Rewards Gold Card is a charge card. That means you have to pay your balance in full each month. In comparison, the Gold Delta SkyMiles is a credit card, which allows you to carry a balance. In our opinion, if you do plan to regularly carry a balance, consider a low interest credit card instead.

No Annual Fee Card

If you're not sure how much you'll be flying and just want to save for a future vacation, then paying for a card with an annual fee may not make much sense.

Blue Delta SkyMiles Credit Card from American Express
Apply for Blue Delta SkyMiles Credit Card from American Express
At American Express' Secure Site
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 26.24% Variable
$0

This card has no annual fee and earns Membership Rewards points that you can convert for SkyMiles:

The Amex EveryDay Credit Card from American Express
Apply for The Amex EveryDay Credit Card from American Express
At American Express' Secure Site
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 15 months
0% on balance transfers for 15 months
14.49% - 25.49% Variable
$0

AMEX Platinum: For Luxury Travel Perks

The Platinum Card from American Express
Apply for The Platinum Card from American Express
At American Express' Secure Site
Card TypeAnnual Fee
Personal Charge Card
$550

The AMEX Platinum is the, well, platinum standard when it comes to luxury travel benefits. It has a steep annual fee of $550, but the multitude of perks can more than make up for it.

You get access into 5 airport lounge networks, including Delta Sky Club lounges. You even get a $200 airline credit each year for a specific airline of your choice. So you can choose Delta and get statement credits toward incidental airline fees such as baggage fees. But there's no Priority Boarding with this card.

Other valuables benefits include either TSA Pre or Global Entry application fee statement credit, Uber savings, complimentary Boingo Wi-Fi, and Platinum concierge service.

Below is a side-by-side comparison of how the Platinum Card stacks up against the Gold Delta SkyMiles:

 

Gold Delta SkyMiles

American Express Platinum

Earn 30,000 Bonus Miles after spending $1,000 in purchases in the first 3 months and a $50 statement credit after making a Delta purchase in the first 3 months with your new Card. - Learn more

Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. - Learn more

 

Interest Rates and Fees

Purchase APR17.24% to 26.24% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR17.24% to 26.24% Variable based on your creditworthiness and other factorsN/A
Annual Fee$0 introductory annual fee for the first year, then $95$550 annual fee
Terms Apply. See Rates & FeesTerms Apply. See Rates & Fees
 

Benefits and Features

AirlineAirline Rewards: Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.Airline Rewards: 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
Airline StatusAirline Status: Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
Settle into your seat sooner with Priority Boarding.
Airline Status: $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
Hotel Hotel Rewards: 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
Hotel Status Hotel Status: Enroll for complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
Enroll for complimentary Hilton Honors Gold Status.

Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property. Terms Apply.
 Apply NowApply Now

Note: The Platinum Card is a charge card. That means you have to pay your balance in full each month. In comparison, the Gold Delta SkyMiles is a credit card, which allows you to carry a balance. In our opinion, if you do plan to regularly carry a balance, consider a low interest credit card instead.

Did you know? The extra wide-body Airbus A350 will replace the Boeing 747's as Delta's new flagship aircraft for long international flights. The Airbus A350 is flying select routes to Asia. This 306-seater aircraft includes luxurious business class Delta One Suites with lay flat beds and privacy door, and a Premium Select section with extended recline and leg rests. What to fly in style in the A350 Delta One Suite? It could cost as much as 200,000 SkyMiles one-way depending on the route and date.

About Delta SkyMiles: What Are They Worth?

© CreditDonkey

Delta no longer publishes an award chart, but here's a general idea. Domestic one-way flights within the continental U.S. can be as low as 10,000 miles.

For international flights, awards are priced by regions. When we checked in May 2017, we found future award flights from the U.S. to Europe available from 60,000 miles (in economy). Trips to Mexico, Central American and the Caribbean from 35,000 miles. And flights to Asia from about 70,000 to 80,000 miles. Miles are for round-trip flights. For one-way, divide by half.

Tip: Don't want to earn Delta SkyMiles? You may consider using a travel rewards credit card that earn miles you can redeem for a statement credit against recent travel purchases. That way, you don't have to worry about award charts and seat availability. And plus, you can redeem them for any airline, not just Delta.

Capital One Venture offers a one-time bonus of 50,000 miles if you spend $3,000 on purchases within three months of account opening. 50,000 miles is equal to $500 in travel. This card earns 2x miles per dollar on all purchases. You can redeem miles toward travel purchases on any airline, hotel, or car rental. There are no foreign transaction fees. There is a $95 annual fee ($0 intro annual fee for the first year).

Delta also has over 30 partner airlines. If you're going somewhere Delta doesn't fly, you can use your SkyMiles to book flights on any of its partners. The partners are:

  • Compass Airlines
  • Endeavor Air
  • ExpressJet Airlines
  • Gojet Airlines
  • Shuttle America
  • SkyWest
  • Aeroflot
  • Aerolineas Argentinas
  • Aeromexico
  • AirEuropa
  • Air France
  • Air Tahiti Nui
  • Alaska Airlines
  • Alitalia
  • China Airlines
  • China Eastern
  • China Southern
  • Czech Airlines
  • Garuda Indonesia
  • GOL
  • Great Lakes
  • Hawaiian Airlines (limited to inter-Hawaiian Islands itineraries)
  • Kenya Airways
  • KLM Royal Dutch Airlines
  • Korean Air
  • Middle East Airlines
  • Saudia Airlines
  • Tarom Airlines
  • Vietnam Airlines
  • Virgin Atlantic
  • Virgin Australia
  • Xiamen Airlines

Tip: Delta doesn't charge a fuel surcharge on most partner flights (when the flight originates from the U.S.), such as on Air France, Virgin Atlantic, Virgin Australia, and China Airlines. This is a good chance to fly to Europe, Australia, or Asia without the heavy surcharges.

However, note that if you are flying back to the U.S. using SkyMiles, you will be levied surcharges. If you want to avoid fuel surcharges at all costs, it may be better to just use SkyMiles to fly to your destination, and pay for your own flight back. Or use another frequent flyer program on the way back (such as United, which never levies surcharges).

Bottom Line

There are many cards you can use to earn Delta SkyMiles. Picking the right one for you depends on what you value, how often you fly, and your spending habits.

If you love perks like free checked bags and priority boarding, then look into one of the co-branded cards. The Gold Delta SkyMiles will be adequate for the majority of Delta flyers. If you want more flexibility and options, then you will like one of the AMEX Membership Rewards cards.

Did you know: Delta has partnered with Airbnb for a chance to earn more SkyMiles. We love Airbnb for a more unique and local way to experience a city. You must use Delta's Airbnb page and sign up with your SkyMiles membership number. This is a good way to earn Delta points even without a Delta credit card.

Here are the ways you can earn Skymiles through Delta Airbnb:

  • As a guest: If you're new to Airbnb, you get 1,000 bonus SkyMiles for a stay of at least $150 (or 500 miles for a stay of at least $75), PLUS a $25 credit. For existing users, you get 1 SkyMile per $1 on all qualifying stays.

  • As a host: You can rent out your property or a spare bedroom and earn SkyMiles too. You must be a new host who have never hosted on Airbnb before. You can earn 2,500 SkyMiles when you earn $250 of host earnings, 7,500 additional SkyMiles after a total of $1,000 in host earnings, and 15,000 additional SkyMiles after a total of $2,500 in host earnings.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Capital One® Venture® Rewards Credit Card and Platinum Delta SkyMiles® Credit Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Gold Delta SkyMiles Credit Card Review: Is It Worth It?


Airline Miles for Beginners


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CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.