Best Delta credit cards of September 2025
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.
- The Platinum Card® from American Express: Best for luxury benefits
- Delta SkyMiles® Platinum American Express Card: Best for mid-tier Delta flyers
- Delta SkyMiles® Reserve American Express Card: Best for Sky Club access
- Delta SkyMiles® Gold American Express Card: Best for casual Delta flyers
- Delta SkyMiles® Gold Business American Express Card: Best for small businesses who occasionally fly Delta
- 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
- American Express® Gold Card: Best for dining at restaurants
- American Express® Green Card: Best for flexible rewards
Comparing the best Delta credit cards
| 5X | Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. |
The Platinum Card® from American Express has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike. Read our full review of the Platinum Card from American Express.
Pros
- No foreign transaction fees
- Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually; enrollment required)
- Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
- Earns transferable Membership Rewards points
Cons
- $895 annual fee
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
- More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
- More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
- More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
- New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
- See Rates & Fees
| 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 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
- Receive a Companion Certificate on a Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles® Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
- 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 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: Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles® Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
- $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.
- Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
- 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
| 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
- $120 statement credit for Global Entry 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 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $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 Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $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
| 2X | Earn 2X miles on Delta Purchases, restaurants, and U.S. supermarkets. |
| 1X | Earn 1X miles 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 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
- 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.
- When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
- Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta 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.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- 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 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 at restaurants worldwide, 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 worldwide (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
- Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
- $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 on your Card in a calendar 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 on Delta flights.
- 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.
| 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 (Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of visits each year , the total eligible purchases on the Card must equal $75,000 or more 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
- Limited Time Offer: Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
- Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
- 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.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- 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 group 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.
- 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 worldwide; 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
- Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
- Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- 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.
| 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 worldwide (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 worldwide (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
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- 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 get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $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. Enrollment is required to receive this benefit.
- $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.
- Terms 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 |
|---|---|---|---|---|
at American Express's secure site | luxury benefits | As High As 175,000 points. Find Out Your Offer. Open Intro bonus You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. | 5X points | $895 |
at American Express's secure site | mid-tier Delta flyers | Earn 90,000 Bonus Miles Open Intro bonus Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025. | 1 - 3X miles | $350 |
at American Express's secure site | Sky Club access | Earn 125,000 Bonus Miles Open Intro bonus Earn 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025. | 1 - 3X miles | $650 |
at American Express's secure site | casual Delta flyers | Earn 80,000 Bonus Miles Open Intro bonus Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025. | 1 - 2X miles | $0 introductory annual fee for the first year, then $150. |
at American Express's secure site | small businesses who occasionally fly Delta | Earn 90,000 Bonus Miles Open Intro bonus Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25. | 1 - 2X miles | $0 introductory annual fee for the first year, then $150 |
at American Express's secure site | high-spending businesses | Earn 125,000 Bonus Miles Open Intro bonus Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25. | 3X miles | $650 |
at American Express's secure site | mid-tier business owners who fly Delta | Earn 100,000 Bonus Miles Open Intro bonus Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25. | 1.5X miles | $350 |
at American Express's secure site | dining at restaurants | As High As 100,000 points. Find Out Your Offer. Open Intro bonus You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. | 1 - 4X points | $325 |
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. Information updated as of 09/18/2025 | 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 Platinum Card® from American Express is a great travel companion thanks to perks like no foreign transaction fees and enhancements like a generous up to $600 hotel credit (disbursed as up to $300 in statement credits biannually). Now, it also features more lifestyle credits that cardmembers can take advantage of to help offset its hefty annual fee. Enrollment required.
Frequent travelers and digital entertainment subscribers will enjoy travel perks like lounge access and an up to $209 Clear Plus statement credit in addition to an up to $300 digital entertainment credit (disbursed as up to $25 per month in statement credits). Enrollment may be required and you may be subject to auto-renewal.
Adding this card to your rotation makes sense if you can use its perks and statement credits to offset its $895 annual fee.
If you want a premium travel and lifestyle card that’s not nearly $900, consider the Chase Sapphire Reserve®. It features a $795 annual fee — which is still a big figure — but offers several similar perks and credits that offset this fee, and it earns transferable Ultimate Rewards points, one of the most valuable reward currencies on the market.
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.
“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 (for eligible card members).
†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 each calendar year. 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 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 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 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 information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
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.
Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of visits each year, the total eligible purchases on the Card must equal $75,000 or more 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.
†Platinum card members will receive 10 visits per years to the Delta Sky Club; to earn an unlimited number of visits each year, the total eligible purchases on the card must equal $75,000 or more each calendar year. 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 worldwide, 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 an eligible 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 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 worldwide (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 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).
How we rate cards
Ask our experts
What is your favorite Delta card — and why?
How to choose the best Delta credit card
- Many of the cards on this list feature an annual fee, but that doesn’t mean you shouldn’t consider them. Depending on what you are looking to receive from your Delta credit card, many of the annual fees are well worth it.1Annual fee
- Our best Delta credit cards offer solid welcome bonuses. Determining whether you’re looking to earn Delta SkyMiles or transferable points is a great way to decide which card’s welcome bonus is the best value for you.2Welcome bonus
- All of the cards on this list offer elevated earning rates on your next Delta flight. Select cards also offer elevated earning on other categories like groceries and hotels. Opt for a card that will provide the most return on your unique spending habits.3Bonus categories
Pros + cons of Delta credit cards
Pros
- Delta credit cards can earn Delta SkyMiles (or flexible travel rewards) on every dollar you spend
- Some Delta credit cards offer shortcuts to Medallion status and other elite-like perks, including priority boarding
- Many Delta credit cards provide travel and shopping protections
- Select Delta credit cards provide perks like free checked bags, lounge access, statement credits and more
Cons
- The lack of a published award chart makes it difficult to know how many Delta miles you’ll need for a ticket in the future
- You may not fly with Delta enough to make a Delta credit card worthwhile — especially for those with high annual fees
How to apply for a Delta credit card
If you're interested in applying for a cobranded Delta credit card, you've got options. You can apply online using any of these links:
Consumer Delta cards:
- Delta SkyMiles® Blue American Express Card
- Delta SkyMiles® Gold American Express Card
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Reserve American Express Card
Business Delta cards:
- Delta SkyMiles® Gold Business American Express Card
- Delta SkyMiles® Platinum Business American Express Card
- Delta SkyMiles® Reserve Business American Express Card
You can also apply for a Delta card over the phone or by filling out a mail offer.
What credit score do you need to apply for a Delta card?
Your credit score should be 690 or higher to qualify for a Delta SkyMiles card. This doesn't mean that if your score is lower than 690 you'll automatically be denied for a Delta card; several factors related to your credit score also come into play each time you apply for a new credit card.
Is Delta the best US airline in 2024?
Yes, according to TPG’s annual, data-driven report on the best airlines in the U.S. Delta scored consistently high across multiple categories thanks to its operational reliability, elevated travel experience and extensive route network. Interestingly enough, Delta was the least affordable airline among the 10 we analyzed — and the data doesn’t include its recent meltdown. Nevertheless, it took the top spot for the sixth year in a row.
Here’s the full breakdown of scores for this year.
Frequently asked questions
Choosing the best Delta card will depend on your personal (or business) spending habits. Delta offers three tier options for both its personal and business card products: Gold, Platinum and Reserve. There’s also the Delta SkyMiles® Blue American Express Card, a no-annual-fee card (see rates and fees) for those looking to earn Delta miles without an annual expense. However, even the most casual Delta traveler would likely benefit from a higher-end card.
The best card option for you will depend on whether you are looking for a business or personal credit card, along with how often you plan to fly with the airline. If you are a frequent Delta flyer or you are looking for a particular type of benefit, the premium card options may be better for you.
Delta offers a full lineup of cobranded credit cards with various annual fees. These credit cards come with a host of elitelike benefits — including perks like priority boarding, free checked bags and even airport lounge access. A Delta credit card that fits your spending habits can be well worth the annual fee and make a great addition to your wallet.
Only the two high-end cards — the Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Reserve Business American Express Card will get you complimentary access to the Delta Sky Club when you have a same-day Delta-operated or Delta-marketed flight. Each cardholder is allowed two guests (or immediate family members) at $50 apiece, but both cards include four one-time guest passes each year that will provide complimentary access.
Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year, the total eligible purchases on the Card must equal $75,000 or more and each calendar year thereafter.
When you apply for a Delta credit card, you’ll include your SkyMiles number on the application page. This ensures that the miles you earn will post to your account, and it’ll also grant you any applicable perks when traveling on Delta-operated flights.
Once you’ve received your new Delta credit card in the mail, you’ll want to add it to your SkyMiles account as a payment method. Simply log in and navigate to your account page. Find the “My Wallet” section and then add the card as a stored payment method. You can also do this in the Delta app.
You can upgrade your Delta card, but you might not want to. Delta’s premium card options can seem alluring with their array of perks and big bonuses, but don’t jump the gun — even if you’re targeted for a one-time bonus for upgrading.
For starters, these upgrade offers are quite rare, and even when they appear, they’re almost always smaller than the welcome bonus of a new card application. In addition, thanks to Amex’s once-per-lifetime restriction on bonuses, upgrading to a higher-end Delta card may make you ineligible to earn the welcome bonus on the same card in the future.
Generally speaking, it is more beneficial to simply submit an application for the card you want.
Sky Priority is Delta’s premium airport service. The service is generally reserved for first-class and Delta One passengers, those with Gold Medallion (or higher) status and SkyTeam Elite Plus travelers. Unfortunately, no Delta card will grant you full Sky Priority benefits. However, most Delta cards will offer you priority boarding, and the higher-end cards include an elite status booster based on spending that can help you reach Gold Medallion, which in turn will give you Sky Priority.
Some Delta cards include coverage to help when things go wrong on a trip booked with the card, though a number of restrictions apply. You can view our guide to travel protections with American Express for complete details.
Yes, you can add your Delta credit card to your mobile wallet of choice. The process is pretty straightforward — usually, you can manually type in your card credentials or take a photo of your card to load it into a mobile wallet.
In short, no, SkyMiles do not expire. However, per Delta, they reserve "the right to deactivate or close an account (and accordingly remove all miles in the account)" if they suspect fraudulent activity or if you request that your account be closed, for example.
Yes, it's possible to hold more than one Delta card at a time. However, you should keep in mind that you're not eligible to receive the welcome offer on a Delta card more than once.