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Best Delta Credit Cards of 2019

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 2019.

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 Gold Delta SkyMiles® Credit Card from American Express 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 ($0 the first year and $95 after). 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 Gold Delta SkyMiles® Credit Card from American Express earns 1 Delta mile, and purchases you make with the airline will earn you 2 Delta SkyMiles per dollar. The card also has a decent welcome bonus: spend $1,000 in the first three months and earn 30,000 bonus miles.

Other Great Travel Perks

Like any great travel card, the Gold Delta SkyMiles® Credit Card from American Express 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 Gold Delta SkyMiles® Credit Card from American Express, please click here.

Best No Annual Fee Delta Credit Card

On American Express' Secure Website

Blue Delta SkyMiles® Credit Card from American Express

On American Express' Secure Website
  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
  • 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.
  • See Rates & Fees
  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
  • 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.
  • See Rates & Fees
Annual Fee
$0
*Rates and Fees
APR
17.99%-26.99% Variable
Credit Needed
Excellent Credit

The Blue Delta SkyMiles® Credit Card from American Express is a great option for a casual Delta flyer looking for a no-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 Blue Delta SkyMiles® Credit Card from American Express, you'll earn two Delta SkyMiles per dollar on purchases at restaurants. This is a quite competitive earning rate for a co-branded card, especially one with with no 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 Blue Delta SkyMiles® Credit Card from American Express 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 Gold Delta SkyMiles® Credit Card from American Express is a better choice.

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

Best Co-Branded Credit Card for Delta Miles

Platinum Delta SkyMiles® Credit Card from American Express
This card is not available through ValuePenguin.
Platinum Delta SkyMiles® Credit Card from American Express
This card is not available through ValuePenguin.

Platinum Delta SkyMiles® Credit Card from American Express

Platinum Delta SkyMiles® Credit Card from American Express
This card is not available through ValuePenguin.
Platinum Delta SkyMiles® Credit Card from American Express
This card is not available through ValuePenguin.
70,000 bonus miles and 10,000 MQMs after spending $3,000 in purchases within your first 3 months.
  • 70,000 bonus miles and 10,000 MQMs after you spend $3,000 in three months
  • Get 2 miles for every dollar you spend on Delta purchases
  • Get 1 mile for any other type of purchase
  • Get your first bag checked for free
  • Pay an annual fee of $195
  • 70,000 bonus miles and 10,000 MQMs after you spend $3,000 in three months
  • Get 2 miles for every dollar you spend on Delta purchases
  • Get 1 mile for any other type of purchase
  • Get your first bag checked for free
  • Pay an annual fee of $195
Annual Fee
$195
*Rates and Fees
APR
17.49% - 26.49% Variable
Credit Needed
Excellent

If your main goal is to earn Delta miles, the best co-branded card for you is the Platinum Delta SkyMiles® Credit Card from American Express. It comes with a welcome bonus of 35,000 SkyMiles—which you can earn by spending $1,000 on the card in the first three months—plus it earns 2 miles per dollar on purchases made with Delta and 1 mile per dollar on everything else.

MQM Bonus to Earn Elite Status

The Platinum Delta SkyMiles® Credit Card from American Express offers a welcome bonus of 5,000 MQM after spending $1,000 in the first three months, plus 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 Platinum Delta SkyMiles® Credit Card from American Express can significantly improve your chance of becoming a Delta elite.

Compare Other Cards to the Platinum Delta SkyMiles® Credit Card from American Express

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 Platinum Delta SkyMiles® Credit Card from American Express, 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.

Best Non-Delta Card for Earning Delta Miles

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

The Amex EveryDay® Preferred Credit Card from American Express

The Amex EveryDay® Preferred Credit Card from American Express
This card is not available through ValuePenguin.
The Amex EveryDay® Preferred Credit Card from American Express
This card is not available through ValuePenguin.
Earn 15,000 Membership Rewards® Points after you make $1,000 in purchases with your new Card in the first three months.
Annual Fee
$95
APR
13.74% - 23.74% Variable
Credit Needed
Excellent

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.

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.

Best Delta Credit Card for Sky Club Lounge Access

Delta Reserve® Credit Card from American Express

  • Delta Sky Club Access for you and two companions with complimentary Wi-Fi and snacks
  • Get a R/T domestic first class or economy class companion certificate upon each annual renewal
  • First checked bag free on Delta flights
  • No waiting - Priority Boarding
  • Save 20% on in-flight purchases
  • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations
  • Delta Sky Club Access for you and two companions with complimentary Wi-Fi and snacks
  • Get a R/T domestic first class or economy class companion certificate upon each annual renewal
  • First checked bag free on Delta flights
  • No waiting - Priority Boarding
  • Save 20% on in-flight purchases
  • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations
Annual Fee
$450
*Rates and Fees
APR
17.49% or 19.24% Variable
Credit Needed
Excellent

The Delta Reserve® Credit Card from American Express is the only Delta credit card that includes lounge access as a benefit. However, the card has a $450 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 Reserve® Credit Card from American Express, 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 Gold Delta SkyMiles® Credit Card from American Express is the best card for you. For a no-annual-fee option, choose the Blue Delta SkyMiles® Credit Card from American Express, which earns 2 SkyMiles per dollar at restaurants and on Delta purchases. Business owners will be best served by the Gold Delta SkyMiles® Business Credit Card from American Express, 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, at least above 680. 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 Platinum Delta SkyMiles® Credit Card from American Express, which has a welcome bonus of 35,000 miles for spending $1,000 in the first three months. It also earns 2 SkyMiles per dollar on Delta purchases 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 Platinum Delta SkyMiles® Credit Card from American Express and the Delta Reserve® Credit Card from American Express both have an annual MQM bonus for cardholders. With the Platinum Delta SkyMiles® Credit Card from American Express, you'll get a 5,000 MQM welcome bonus for spending $1,000 in the first three months and an annual 10,000 MQM boost when you spend $25,000 in a calendar year. The Delta Reserve® Credit Card from American Express offers a 10,000 MQM welcome bonus for spending $3,000 in the first three months and an annual 15,000 MQM bonus for spending $30,000 in a calendar year.

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

Yowana Wamala

Yowana is a Junior Research Analyst at ValuePenguin, specializing in travel and rewards programs. He previously covered mortgages and banking for the website before graduating from Columbia University with a B.A. in Political Science.

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

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

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, Amazon Business American Express Card, and Marriott Bonvoy Brilliant™ American Express® Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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.

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® Card 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).