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Which Delta Credit Card is Right for You?

Earn Delta SkyMiles

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Getting started with miles and points is all about picking the right card to fit your budget and travel patterns. Delta co-branded credit cards from American Express are no exception. So which Delta credit card is right for you? In this post, we will walk through the basics on all of the Delta credit cards to help you make a decision.

 

The Basics of Delta’s Co-Branded Credit Cards

Blue Delta SkyMiles Credit Card: Receive a welcome offer of 10,000 SkyMiles after spending $500 in the first 3 months. Earn 2X miles per dollar at US restaurants & purchases made directly with Delta. No priority boarding or free checked bag benefit. The card doesn’t waive foreign transaction fees. No Annual Fee.

Learn more about this card and other travel rewards cards here

 

Gold Delta SkyMiles Credit Card: Receive a welcome offer of 50,000 SkyMiles after spending $2,000 in the first 3 months, with an additional 10,000 SkyMiles by spending another $1,000 within 6 months (60,000 total). Receive a welcome offer of 30,000 SkyMiles after spending $1,000 in the first 3 months. Earn a $50 statement credit for Delta purchases in the first 3 months of card membership. Receive priority boarding (Zone 1) & a free checked bag on all flights. 2X points for every dollar spent on Delta. $95 Annual Fee. Limited Time Offer No Longer Available.

Learn more about this card and other travel rewards cards here

 

Platinum Delta SkyMiles Credit Card: Receive a welcome offer of 35,000 SkyMiles after spending $1,000 in the first 3 months.5,000 Medallion Qualifying Miles (MQMs) toward Delta status. Earn a $100 statement credit for Delta purchases in the first 3 months of card membership. Receive 1 free companion certificate for a domestic round-trip flight in economy each year (starting after year 1). Receive priority boarding (Zone 1) & a free checked bag on all flights. 2X points for every dollar spent on Delta. $195 Annual Fee.

 

Reserve Delta SkyMiles Credit Card: Receive a welcome offer of 40,000 SkyMiles after spending $3,000 in the first 3 months.10,000 Medallion Qualifying Miles (MQMs) toward Delta status. Receive an additional 15,000 MQMs for spending $30,000, $60,000 & $90,000 each year (45,000 total). Access to the Delta Sky Club. Receive 1 free companion certificate for a domestic round-trip flight in any cabin each year (starting after year 1). Receive priority boarding (Zone 1) & a free checked bag on all flights. 2X points for every dollar spent on Delta. $450 Annual Fee.

Apply Here

 

Each of these cards also has a business version with near-identical terms and benefits. Because the business and personal cards are considered separate products, you are eligible to earn the welcome offer on both for each card!

Thrifty Tip: You don’t need to run a large company to qualify for a business credit card. Something as simple as reselling items on eBay or Craigslist will do. Getting a mix of personal and business cards is a great way to double-up on mileage bonuses.

 

Get Started With Gold

We recommend this card for Delta flyers just getting up to speed with points & miles. Its $95 annual fee is easy to stomach and is even waived in the first year you have the card. The card gets you some decent perks to save money, like free baggage and a $50 credit toward any Delta purchase within the first 3 months of card membership. You can keep earning points with 2X miles for every $1 you spend on Delta purchases. 

Learn more about this card and other travel rewards cards here

 

Pile Up Points With Platinum

Think of this card as the Gold Delta SkyMiles card on steroids. You’ll get 35,000 SkyMiles with the current welcome offer after spending $1,000 in 3 months. You will also get 5,000 MQMs, the main ingredient for building status on Delta. This will get you nearly halfway to Silver Medallion status in one fell swoop.

The card also offers a $100 credit for any Delta purchase made within the first 3 months of card membership. This can be used for Sky Club access, or even to buy a drink on a flight. A purchase of any amount will trigger the credit.

The biggest differentiator between the Gold and Platinum versions of the card is the companion certificate you get every year in which you renew the Platinum card. This is good for one domestic round-trip fare in economy. That’s a great perk for a relatively inexpensive rewards card.

While the $195 annual fee may seem a bit steep at first blush, it’s pretty easy to squeeze more than that in savings out of the companion certificate. That makes Delta’s Platinum Card a solid choice for moderate Delta flyers, anyone looking to build on their SkyMiles account or achieve Delta Medallion status.

 

Reserve: The Card for Big Spenders & Frequent Delta Travelers

This is Delta’s premier card, and it’s all about gaining status on Delta. It has great benefits like access to Delta Sky Clubs and an annual companion certificate on any Delta flight, including first class. It also has all the usual card perks you get from other Delta products, like free baggage, priority boarding and more. However, the real value of the Delta Reserve Card is in the chase for status, and you need to spend a lot of money to make that happen.

After getting 10,000 MQMs from hitting the minimum spend requirement, you can get another 15,000 MQMs (plus another 15,000 SkyMiles) by spending $30,000 throughout the year. That’s enough to automatically get Delta Silver Medallion Status without taking a single flight. This will be replicated for spending $60,000 and $90,000 respectively. That is almost enough to spend your way to Gold Medallion Status without taking a single flight. 

If this is all making your head spin and you don’t understand or care about status with Delta, move along. If you don’t value status, or can’t spend that much money to unlock it, this card isn’t really worth the annual fee of $450. However, if you fly enough on Delta to get value out of status, there’s no better way to get there fast than with the Delta Reserve Card.

Learn more about this card and other travel rewards cards here

 

Bottom Line

Whether you’re just learning how points and miles work or a seasoned business traveler, Delta has an American Express card that can help you travel more, and more comfortably. It’s important to learn the ins and outs of each offer before applying, as each card is not for everyone. Learn more about these cards and other travel rewards cards here

 

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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.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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