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Best Delta Credit Cards of 2020

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

Whether you're looking to save on bag fees or you're stockpiling SkyMiles for award travel, a Delta Air Lines credit card can get you closer to your travel goals. The airline, which flies to over 300 international and domestic destinations, currently offers four personal credit cards and three business credit cards. Here are the best Delta credit card offers of 2020.

Recommended Cards

Best ForCredit Needed
Delta SkyMiles® Gold Card
Delta SkyMiles® Gold CardFree checked bagsGood/Excellent
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Blue American Express CardNo annual feeGood/Excellent
Delta SkyMiles® Platinum Card
Delta SkyMiles® Platinum CardDelta MilesGood/Excellent
Delta SkyMiles® Reserve Card
Delta SkyMiles® Reserve CardLounge accessGood/Excellent

Continue reading below for a detailed look at the benefits and features of each recommended credit card. You can also jump ahead to our comparison tool at the bottom of the page to see how each card performs for your budget.

Best Delta Credit Card for Free Checked Bags

The Delta SkyMiles® Gold Card is our top choice for a Delta credit card, and it's especially great if you're looking to get a free checked bag on your Delta flights. We recommend this card because it has a great travel perks and a reasonable annual fee. With the card, you'll get one free checked bag per flight, plus you'll earn Delta SkyMiles on every purchase.

Earn Delta SkyMiles

Every dollar you spend with the Delta SkyMiles® Gold Card earns 1 Delta mile, and purchases you make with the airline will earn you 2 Delta SkyMiles per dollar. The card also has a great welcome bonus: Earn up to 70,000 bonus miles. Earn 60,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 10,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.

Other Great Travel Perks

Like any great travel card, the Delta SkyMiles® Gold Card offers travel benefits outside of earning points. For starters, you'll get zero foreign transaction fees, priority boarding on Delta and fraud protection. Plus, you can add authorized users to your account to boost your points-earning potential.

For rates and fees of the Delta SkyMiles® Gold Card, please click here.

Best No Annual Fee Delta Credit Card

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Delta SkyMiles® Blue American Express Card

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Earn 15,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Offer Expires 4/1/2020.
  • Earn 15,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Offer Expires 4/1/2020.
  • No Annual Fee.
  • NEW! Earn 2X Miles per dollar at restaurants, now worldwide.
  • Earn 2X Miles per dollar spent on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • NEW! No Foreign Transaction Fees.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • Earn 15,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Offer Expires 4/1/2020.
  • No Annual Fee.
  • NEW! Earn 2X Miles per dollar at restaurants, now worldwide.
  • Earn 2X Miles per dollar spent on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • NEW! No Foreign Transaction Fees.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
Annual Fee
$0
Regular APR
17.24%-26.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Delta SkyMiles® Blue American Express Card is a great option for a casual Delta flyer looking for a no-annual-fee card. You'll have the opportunity to earn Delta SkyMiles on your everyday purchases, and you can use your rewards points to book flights with Delta, upgrade your seat or purchase hotel stays and car rentals.

Rewards for Restaurant Spending

With the Delta SkyMiles® Blue American Express Card, you'll earn 2 Delta SkyMiles per dollar on purchases at restaurants. This is a quite competitive earning rate for a co-branded card, especially one with a $0 annual fee. You'll also earn 2 SkyMiles per dollar on purchases made with Delta and 1 SkyMile per dollar on everything else.

Perfect for the Occasional Delta Flyer

For people who fly Delta once a year—or who don't check bags—the Delta SkyMiles® Blue American Express Card is the right Delta credit card. You'll have the opportunity to earn SkyMiles and you won't have to shell out an annual fee for benefits that you won't use. However, if you fly Delta twice or more per year and check bags, the Delta SkyMiles® Gold Card is a better choice.

For rates and fees of the Delta SkyMiles® Blue American Express Card, please click here.

Best Co-Branded Credit Card for Delta Miles

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Delta SkyMiles® Platinum Card

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Limited Time Offer*: Earn up to 100,000 bonus miles. Earn 80,000 bonus miles after you spend $3,000 on purchases on your new Card in the first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. *Offer expires 4/1/20
  • Earn up to 100,000 bonus miles. Earn 80,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.
  • NEW! With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • NEW! Earn 2X Miles at restaurants and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Fee Credit for Global Entry or TSA Pre?®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • No Foreign Transaction Fees.
  • $250 annual fee.
  • Terms Apply.
  • Earn up to 100,000 bonus miles. Earn 80,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.
  • NEW! With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • NEW! Earn 2X Miles at restaurants and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Fee Credit for Global Entry or TSA Pre?®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • No Foreign Transaction Fees.
  • $250 annual fee.
  • Terms Apply.
Annual Fee
$250
Regular APR
17.24%-26.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

If your main goal is to earn Delta miles, the best co-branded card for you is the Delta SkyMiles® Platinum Card. It comes with a welcome bonus - Limited Time Offer*: Earn up to 100,000 bonus miles. Earn 80,000 bonus miles after you spend $3,000 on purchases on your new Card in the first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. *Offer expires 4/1/20 And, it earns 3 miles per dollar on purchases made with Delta and directly purchased hotel stays, 2 miles per dollar at restaurants and U.S. supermarkets and 1 mile per dollar on everything else.

MQM Bonus to Earn Elite Status

The Delta SkyMiles® Platinum Card offers an annual boost of 10,000 MQM for spending $25,000 in a calendar year. This is a great perk if you're trying to earn or keep Medallion status. Medallion silver status only takes 25,000 MQM to earn, so the annual MQM boost with the Delta SkyMiles® Platinum Card can significantly improve your chance of becoming a Delta elite.

Compare Other Cards to the Delta SkyMiles® Platinum Card

It's important to note that there are general travel cards (those that aren't co-branded) that have much better earning rates than the Delta SkyMiles® Platinum Card, higher welcome bonuses and points that can be transferred to multiple airlines. You can check out our list of the best airline miles cards here.

For rates and fees of the Delta SkyMiles® Platinum Card, please click here.

Best Non-Delta Card for Earning Delta Miles

The Amex EveryDay® Preferred Credit Card from American Express
This product is not available through ValuePenguin.
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The Amex EveryDay® Preferred Credit Card from American Express

The Amex EveryDay® Preferred Credit Card from American Express
This product is not available through ValuePenguin.
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Earn 15,000 Membership Rewards® Points after you make $1,000 in purchases with your new Card in the first three months.
  • 3X points per dollar at U.S. supermarkets
  • 2X points per dollar at U.S. gas stations
  • 1X points on everything else
  • Earn 50% extra points by using your card 30 or more times on purchases during a billing period
  • 3X points per dollar at U.S. supermarkets
  • 2X points per dollar at U.S. gas stations
  • 1X points on everything else
  • Earn 50% extra points by using your card 30 or more times on purchases during a billing period
Annual Fee
$95
Regular APR
13.74% - 23.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The information related to the The Amex EveryDay® Preferred Credit Card from American Express has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

The Amex EveryDay® Preferred Credit Card from American Express is the best card for earning Delta miles that isn't co-branded. For a $95 annual fee, you'll earn 2X points at U.S. gas stations and 3X points at U.S. supermarkets on up to $6,000 in purchases. Plus, when you use your card 30 or more times in a month, you'll get a 50% points bonus on all the points earned that month. You’ll also earn 2X Membership Rewards points on every eligible travel purchase when booked through amextravel.com.

Book Delta Flights Through Virgin Atlantic Flying Club

The Amex EveryDay® Preferred Credit Card from American Express earns American Express Membership Rewards points, which can be used to book Delta flights. To do this, you'll have to transfer your points to Virgin Atlantic's Flying Club and book through their portal. You'll be able to find both domestic and international award space for Delta on the Virgin website.

For rates and fees of The Amex EveryDay® Preferred Credit Card from American Express, please click here.

The information related to The Amex EveryDay® Preferred Credit Card from American Express has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Best Delta Credit Card for Sky Club Lounge Access

  • On American Express' Secure Website
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Delta SkyMiles® Reserve Card

  • On American Express' Secure Website
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Earn up to 100,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs). Earn 80,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.
  • Earn up to 100,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs). Earn 80,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.
  • NEW! With Status Boost™, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
  • NEW! Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • Fee Credit for Global Entry or TSA Pre?®.
  • Complimentary access into the Delta SkyClubs® for you when travelling on a Delta flight.
  • NEW! Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • No Foreign Transaction Fees.
  • $550  annual fee.
  • Terms Apply.
  • Earn up to 100,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs). Earn 80,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.
  • NEW! With Status Boost™, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
  • NEW! Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • Fee Credit for Global Entry or TSA Pre?®.
  • Complimentary access into the Delta SkyClubs® for you when travelling on a Delta flight.
  • NEW! Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • No Foreign Transaction Fees.
  • $550  annual fee.
  • Terms Apply.
Annual Fee
$550
Regular APR
17.24%-26.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good/Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Delta SkyMiles® Reserve Card is the only Delta credit card that includes lounge access as a benefit. However, the card has a $550 annual fee, so it's only worth it for the most frequent Delta flyers.

Consider Other Options

If you don't fly the airline that often and are only interested in getting lounge access, the Chase Sapphire Reserve® and The Platinum Card® from American Express are better options. You can also consider a card with Priority Pass lounge access.

For rates and fees of the Delta SkyMiles® Reserve Card, please click here.

Compare Delta Credit Cards

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FAQs About Delta Credit Cards

Browse the section below if you have unanswered questions on Delta credit cards. If you're curious how the benefits of the cards compare to the benefits of elite status on Delta, check out our Medallion status guide.

If your main concern is getting a free checked bag, the Delta SkyMiles® Gold Card is the best card for you. For a no-annual-fee option, choose the Delta SkyMiles® Blue American Express Card, which earns 2 SkyMiles per dollar at restaurants and on Delta purchases. Business owners will be best served by the Delta SkyMiles® Gold Business American Express Card, which has a free checked bag benefit and earns 2 Skymiles per dollar on Delta purchases.

The best way to get approved for a Delta credit card — or any travel card, for that matter — is to have a good-to-excellent credit score. If your score is below this threshold, you can take steps to raise it by paying your credit card bills on time, keeping your utilization below 30% and holding off on making new applications for credit.

The best co-branded Delta card for earning SkyMiles is the Delta SkyMiles® Platinum Card, which has a welcome bonus — Limited Time Offer*: Earn up to 100,000 bonus miles. Earn 80,000 bonus miles after you spend $3,000 on purchases on your new Card in the first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. *Offer expires 4/1/20 It also earns 3 SkyMiles per dollar on Delta purchases and directly purchased hotel stays, 2 miles per dollar at restaurants and U.S. supermarkets and 1 SkyMile per dollar on all other purchases. If you want to earn flexible miles that can be used at different airlines, the best card for you is the Chase Sapphire Preferred® Card.

The Delta SkyMiles® Platinum Card and the Delta SkyMiles® Reserve Card both have an annual MQM bonus for cardholders (set to expire on Jan. 30, 2020). With the Delta SkyMiles® Platinum Card, you'll get an annual 10,000 MQM boost when you spend $25,000 in a calendar year. The Delta SkyMiles® Reserve Card offers a 20,000 MQM welcome bonus for spending $5,000 in the first three months. The Delta SkyMiles® Reserve Card also offers a new Status Boost™ feature: You can earn 15,000 MQM bonus for spending $30,000 in a calendar year, up to four times each year.

The Delta SkyMiles® Gold Card, Delta SkyMiles® Platinum Card and Delta SkyMiles® Reserve Card all offer one free checked bag per flight. This is a potential savings of $50 per round-trip.

Yowana Wamala

Yowana is a former product analyst at ValuePenguin, specializing in credit cards, rewards programs and travel. He previously covered mortgages, banking and insurance for the website. Yowana graduated from Columbia University with a B.A. in Political Science.

Comments and Questions

These responses 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.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).