What are Delta Credit Card: Benefits, Types & Fees

Compare Delta credit cards (Blue, Gold, Platinum, Reserve), their welcome offers, annual fees, miles earning, and benefits. Find out which Delta Amex card is best for you!

What are Delta Credit Cards?

Delta SkyMiles® American Express Cards are co-branded travel credit cards that let you earn SkyMiles on purchases, unlock exclusive Delta perks, and redeem miles for flights, upgrades, and more. They’re split into personal, business, international, and debit options, with core guarantees: miles never expire and no cap on miles earned.

Delta Airlines' credit cards are mainly divided into 2 major series: "Personal Cards" and "Business Cards", both co-branded with American Express. Different card types correspond to different travel needs and budgets.

Delta Personal Credit Cards (4 Types & Benefits)

Delta Personal Credit Cards, Credit: Delta Official

Delta SkyMiles® Blue American Express Card (No Annual Fee)

• Earning: 1x mile per dollar on all purchases (no Delta bonus)
• Perks: No annual fee, Pay with Miles (5,000 miles = $50 off Delta flights), no foreign transaction fees
• Ideal For: Occasional Delta travelers who want to avoid annual fees entirely

Delta SkyMiles® Gold American Express Card (Balanced Value)

• Earning: 2x miles on Delta purchases, restaurants worldwide, U.S. supermarkets; 1x on everything else
• Key Perks: First checked bag free on Delta flights, Zone 5 Priority Boarding, up to $100 annual Delta Stays credit
• Ideal For: Frequent Delta travelers who want extra benefits without a premium annual fee

Delta SkyMiles® Platinum American Express Card (Premium Travel)

• Earning: 3x miles on Delta purchases and eligible hotel stays; 1x on everything else
• Key Perks: Annual Companion Certificate (domestic/Caribbean/Central American round-trip, taxes/fees $22–$250), $2,500 MQD Headstart per year, MQD Boost (1 MQD per $20 spent)
• Ideal For: Travelers who value Companion Certificate and want to fast-track Medallion status

Delta SkyMiles® Reserve American Express Card (Elite Benefits)

• Earning: 3x miles on Delta purchases; 1x on everything else
• Key Perks: Delta Sky Club access (15 visits/year, unlimited with $75k annual spend), complimentary upgrades, enhanced priority services
• Ideal For: High-frequency Delta flyers who want top-tier airport and in-flight perks

Delta Business Credit Cards (3 Types & Benefits)

Delta Business Credit Cards, Credit: Delta Official

Exclusively for residents of the U.S. and U.S. territories, suitable for small business owners to convert business expenses into travel miles. Core benefits are similar to corresponding personal cards, with additional business-exclusive perks:

Which Credit Card has a Deal with Delta?

American Express updates Delta SkyMiles credit cards | FOX 5 New York

Delta’s primary credit card partner is American Express, with which it offers a full line of co-branded Delta SkyMiles® credit cards (both personal and business versions). These are the official and most comprehensive Delta-affiliated credit cards, featuring exclusive travel perks and mileage rewards tied to Delta flights.

Additionally, Delta previously partnered with Truist Bank for a Delta SkyMiles debit card, but this program will end on October 31, 2026—no new Truist Delta debit cards are being issued after November 10, 2025 . Delta also offers international credit card options through regional partners, but these are not as widely available as the American Express co-branded cards.

How to Earn & Redeem Delta Miles

Credit: Unsplash, CardMapr.nl

How to Earn Delta Miles

1. Basic earning: Accumulate miles at the multiple corresponding to the card type (like 2x miles on dining with Gold Card, 3x miles on Delta purchases with Platinum Card), and 1x mile on regular purchases
2. Welcome Reward: After the new card is activated, you can earn mileage rewards by completing designated purchases within 6 months (for example, spending $1,000 with the Blue card will earn you 10,000 mileage rewards, and spending $5,000 with the reserve card will earn you 100,000 mileage rewards). The amount of the bonus may vary, and some people may not be eligible
3. Qualified purchase: Most retail purchases are qualified and do not include person-to-person transfers, gift card recharges, cash equivalents, etc.

Delta Miles Redemption Ways

How Much Do Delta Credit Cards Cost? (Fees & Rates)

Beyond annual fees, here are the key costs to know (check official “Rates & Fees” docs for exact current APRs).

Delta Credit Card - Annual Fees (Personal & Business)

Delta Credit Card - Other Key Fees

• Purchase APR: Variable (currently ~20.24%–28.24%, subject to change)
• Balance Transfer APR: Variable (same range as purchase APR, plus 3%–5% transfer fee)
• Cash Advance APR: Variable (~29.24%, plus 5% fee or $10 minimum)
• Late Payment Fee: Up to $41
• Returned Payment Fee: Up to $41
• Foreign Transaction Fees: $0 (Amex benefit)

Delta Credit Card - Requirements & How to Apply

Delta Platinum

To apply for the Delta SkyMiles® American Express Card, you need to meet the following basic requirements

Delta Credit Card - Application Requirements

• Residence: Personal/business card only applicable to residents of the United States and its territories
• Credit score: 640+ recommended for blue Card, 670+ recommended for Gold Card/Platinum Card/Reserve Card (Good to excellent)
• Account requirements: Each person can only have one SkyMiles account, and the account name must be consistent with the name on the passport/driver's license
• Eligibility Restrictions: The welcome reward is only applicable to new card users. Delta reserves the right to adjust or cancel the reward eligibility

Delta Credit Card - Application Process

1. Pre-approval verification: Individual card users first verify the approval result through the "Apply with Confidence" tool on Delta's official website, which does not affect their credit
2. Submit application: Fill in personal/business information (name, address, income, employment status). If you already have a SkyMiles account, please fill in the account number
3. Review and activation: Online applications usually receive immediate results. After approval, accept the card and activate it for use (activation may affect the credit score)

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