Best Delta Credit Cards - Earn SkyMiles On Your Everyday Expenses

Best Delta Credit Cards - Earn SkyMiles On Your Everyday Expenses

Whether you’re looking to save on bag fees or stockpiling SkyMiles for award travel, a Delta credit card can get you closer to accomplishing your travel goals.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express credit card offers. See americanexpress.com for more information.

Delta Air Lines, which flies to over 300 domestic and international destinations, currently offers four personal credit cards and three business credit cards. Here are the best Delta credit card offers of 2020.

Best Delta credit cards for 2020

Recommended CardsBest ForCredit Needed
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express CardFree checked bagsGood/Excellent
Apply Now
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Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Blue American Express Card$0 annual fee Excellent/Good
Apply Now
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Delta SkyMiles® Platinum Card
Delta SkyMiles® Platinum CardDelta MilesGood/Excellent
Apply Now
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Delta SkyMiles® Reserve Card
Delta SkyMiles® Reserve American Express CardLounge accessExcellent/Good
Apply Now
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Recommended Cards

Delta SkyMiles® Gold American Express Card
Apply Now
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Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Platinum Card
Apply Now
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Delta SkyMiles® Reserve American Express Card
Apply Now
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Continue reading 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.

Compare Delta Cards | Delta Credit Card Benefits | FAQ

Best Delta credit card for free checked bags

Delta SkyMiles® Gold American Express Card

$0 introductory annual fee for the first year, then $99.

15.74%-24.74% Variable

Good/Excellent

  • Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • NEW! Earn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit to inspire your next travel.
  • Enjoy your first checked bag free on Delta Flights.
  • Earn 1X Mile on all other eligible purchases.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
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The card has a great welcome offer:

Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.

Our thoughts on this card

The Delta SkyMiles® Gold American Express 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 great travel benefits and a reasonable annual fee. With this card, you’ll get one free checked bag per flight, plus you’ll earn Delta SkyMiles on every purchase.

Earning Delta SkyMiles

Delta SkyMiles® Gold American Express Card

$0 introductory annual fee for the first year, then $99.

15.74%-24.74% Variable

Good/Excellent

  • Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • NEW! Earn now. Travel when you're ready. After you spend $10,000 in purchases in a calendar year, you will receive a $100 Delta Flight Credit to inspire your next travel.
  • Enjoy your first checked bag free on Delta Flights.
  • Earn 1X Mile on all other eligible purchases.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
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The Delta SkyMiles® Gold American Express Card was recently rebranded and has all new spending categories, giving cardholders additional ways to earn bonus miles on top of Delta Air Lines purchases. Thanks to the wide variety of new earning categories, the Delta SkyMiles® Gold American Express Card is a good option for earning SkyMiles.

Purchase CategoryDelta SkyMiles
Restaurants2 miles per dollar
U.S. supermarkets2 miles per dollar
Delta purchases2 miles per dollar
All other eligible purchases1 mile per dollar

Other great travel benefits

Like any great travel card, the Delta SkyMiles® Gold American Express Card offers travel benefits outside of earning points.

  • $0 foreign transaction fees: Use your card for purchases in foreign countries without having to pay foreign transaction fees.
  • Priority boarding: Card membership automatically qualifies you for Main Cabin 1 (group 5) boarding status with Delta Air Lines.
  • In-flight discounts: You’ll receive 20% back on in-flight purchases, such as food or beverages, in a statement credit.
  • Add an authorized user: You can add authorized users to your account for no additional fee to boost your points-earning potential.

Delta SkyMiles® Gold American Express Card Rates & Fees.



Best no annual fee Delta Credit card

Delta SkyMiles® Blue American Express Card

$0

15.74%-24.74% Variable

Excellent/Good

  • Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.
  • 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.
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The card offers a modest welcome bonus:

Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.

Our thoughts on this card

The Delta SkyMiles® Blue American Express Card is a great option for a casual Delta flyer looking for a card with a $0 annual fee. 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.

Earning Delta SkyMiles

With the Delta SkyMiles® Blue American Express Card, you’ll earn Delta SkyMiles for nearly all of your day-to-day purchases. Though the card is far from the best option for earning SkyMiles, its 2x bonus on restaurant purchases means cardholders can still stack up extra miles without having to pay an annual fee.

Purchase CategoryDelta SkyMiles
Restaurants2 miles per dollar
Delta purchases2 miles per dollar
All other eligible purchases1 mile per dollar

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 American Express Card may be a better choice.

Delta SkyMiles® Blue American Express Card Rates & Fees.



Best credit card for earning Delta SkyMiles

Delta SkyMiles® Platinum Card

$250

15.74%-24.74% Variable

Good/Excellent

  • Earn 60,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.
  • NEW! Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • NEW! With Status Boost™, earn 10,000 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.
  • NEW! Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy your first checked bag free on Delta Flights.
  • NEW! Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 1X Miles on all other eligible purchases.
  • 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.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
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It comes with a substantial welcome offer:

Earn 60,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.

Our thoughts on this card

If your main goal is to earn Delta miles, the best co-branded card for you is the Delta SkyMiles® Platinum Card.

Earning Delta SkyMiles

It also offers the best earning categories of any co-branded Delta card thanks to its 3x rate on Delta purchases.

Purchase CategoryDelta SkyMiles
Delta purchases3 miles per dollar
Restaurants and U.S. supermarkets2 miles per dollar
All other eligible purchases1 mile per dollar

Additional benefits of the Delta SkyMiles® Platinum Card

On top of the Delta SkyMiles earnings, the Delta SkyMiles® Platinum Card provides excellent benefits:

  • Annual companion certificate each year upon renewal: Think of this as a “buy one, get one” coupon for you and a companion in Main Cabin for only the cost of taxes and fees.
  • Fee credit for Global Entry or TSA Precheck: If you plan on applying for either airport security program, it may make sense to apply for a travel credit card with Global Entry or TSA Precheck membership for free.
  • Priority boarding: If you prefer boarding early to get comfortable or have preferred overhead bag space, cardholders enjoy priority boarding privileges in Main Cabin 1.

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 offers and points that can be transferred to multiple airlines. You can check out our list of the best travel cards.

Delta SkyMiles® Platinum Card Rates & Fees.



Best Delta credit card for Sky Club lounge access

Delta SkyMiles® Reserve American Express Card

$550

15.74%-24.74% Variable

Excellent/Good

  • Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
  • NEW! With Status Boost™, earn 15,000 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! Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • 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.
  • 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.
  • $550  annual fee.
  • Terms Apply.
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Delta SkyMiles® Reserve American Express Card

The card offers a fair number of miles for new card members:

Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.

Our thoughts on this card

The Delta SkyMiles® Reserve American Express 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.

Earning Delta SkyMiles

The Delta SkyMiles® Reserve American Express Card only offers bonus miles for Delta Air Lines purchases, making it less useful for cardholders that don't often fly with Delta:

Purchase CategoryDelta SkyMiles
Delta purchases3 miles per dollar
All other eligible purchases1 mile per dollar

Excellent benefits

In addition to lounge access, the card comes with a list of benefits:

  • Status boost: Along with the MQMs with the welcome offer, you can earn an additional 15,000 MQMs after you spend $30,000 in purchases on your card in a calendar year, up to four times per year. MQMs will help you get closer to earning Delta Medallion status.
  • MQD Waiver: You can waive the Medallion Qualification Dollar amount required for Delta elite status if you make at least $25,000 in purchases in a year with your card.
  • Annual Companion Certificate: When you renew your Delta SkyMiles® Reserve American Express Card, you'll earn a round-trip companion certificate each year. This is good for a domestic First Class, Delta Comfort+ or Main Cabin ticket.
  • Global Entry/TSA Precheck Fee Credit: When you use your Delta SkyMiles® Reserve American Express Card, you'll earn a credit towards enrolling in either TSA Precheck or Global Entry.
  • Upgrade priority: By simply holding the Delta SkyMiles® Reserve American Express Card, you qualify for seat upgrades while flying on Delta.
  • Trip delay insurance: If your trip is delayed by more than six hours for a covered reason, trip delay insurance can reimburse unexpected expenses up to $500 per trip.
  • Trip cancellation and interruption insurance: If your travels are canceled or interrupted for a covered reason, you can be reimbursed up to $10,000 per trip.
  • Rental car insurance: When you use the Delta SkyMiles® Reserve American Express Card and decline the insurance offered by the rental car agency, you'll automatically have secondary rental car insurance coverage.
  • American Express Concierge service: American Express’s 24-hour concierge service is perfect for ordering flowers, dinner reservations or finding tickets to an upcoming event.

Delta SkyMiles® Reserve American Express Card Rates & Fees.



Best non-Delta card for earning Delta Miles

The Amex EveryDay® Preferred Credit Card from American Express

Earn 15,000 Membership Rewards® Points after you make $1,000 in purchases with your new Card in the first three months.

Our thoughts on this card

For a $95 annual fee, The Amex EveryDay® Preferred Credit Card from American Express gives you 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 Delta SkyMiles or 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 Delta SkyMiles or Virgin Atlantic’s Flying Club and book through their portals. (Because Virgin Atlantic is one of Delta’s partners outside of the SkyTeam, you can book many Delta flights this way.) This is one of the best opportunities for earning an award flight with Delta through your everyday spending, outside of using a co-branded Delta card.

The Amex EveryDay® Preferred Credit Card from American Express rates and fees.

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.

Consider other options

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

Business owners can also qualify for Delta business credit cards such as the Delta SkyMiles® Gold Business American Express Card.

Compare Delta credit cards

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Delta card benefits explained

Delta companion ticket

When you hold the Delta SkyMiles® Platinum Card, you'll earn a domestic Main Cabin round-trip companion certificate each year upon renewal of your card. You can think of this benefit as a “buy one, get one free” ticket — if you purchase a Main Cabin ticket for yourself, a companion can join you for free, less taxes and fees.

The Delta SkyMiles® Reserve American Express Card offers a step-up from the Delta SkyMiles® Platinum Card, as the round-trip companion pass is available for domestic first class, Delta Comfort+, or Main Cabin.

The following terms apply:

  • The companion pass is only available within the 48 contiguous United States. Residents of Hawaii, Alaska, Puerto Rico or the Virgin Islands must originate their flight from there to the 48 contiguous United States.
  • When you book using a companion pass, you are eligible for Medallion Complimentary Upgrades.
  • Primary and companion tickets must be purchased with the Delta SkyMiles card.
  • Both passengers must be booked on the same flights and dates, at the same time.
  • Travel must be booked and completed by the certificate’s expiration date.

The value of this benefit is determined by how much money is saved on the companion ticket. For example, if you book a $500 ticket for yourself, you can save $500 on that same ticket for your traveling companion.

Delta Medallion status

You earn Delta Medallion status for regularly flying with Delta. Unlike many hotel credit cards, you cannot earn automatic Medallion status by having a Delta credit card. However, some co-branded Delta cards can help you achieve status faster by offering bonus MQMs and status boosts. Having status with Delta unlocks valuable benefits, including higher base-mile earning rates, priority boarding privileges, complimentary flight upgrades and much more.

Delta priority boarding

Priority boarding privileges mean you can board earlier than other passengers, allowing you to get comfortable in your seat and grab limited overhead space for your carry-on luggage.

Delta’s boarding order currently goes in this order:

Delta priority boarding

When you have a Delta credit card, you are automatically bumped to Main Cabin 1 (group 5), unless you qualify for a higher boarding group.

Lounge access and guest passes

Delta Sky Club lounges offer a great way to escape the stressful and noisy environment of an airport terminal. While each lounge is unique, many of them offer amenities like showers, food, drinks, office spaces and massages to ensure the best experience possible.

If you hold the Ink Business Preferred℠ Credit Card, you’ll be given complimentary access to Delta Sky Clubs when you fly Delta. In addition, you’ll be given two Delta Sky Club guest passes per year for a companion flying together with you on Delta.

These passes are valuable, as a day pass for the Delta Sky Club cannot be purchased by any Delta flyer. In order to do so, you must have a qualifying Delta Sky Club membership, a qualifying Delta credit card or be flying in a qualifying class. Delta Sky Club members must pay a $39 fee to bring a guest, so you can value these two passes at nearly $80.

Free checked bags

With certain co-branded Delta credit cards — such as the Delta SkyMiles® Gold American Express Card — cardholders can check their first bag for free on Delta flights. Though the benefit only applies for basic card members — not for authorized users or people flying on the same reservation as you — it can save you $30 per flight, adding up to significant savings if you fly Delta often.

Flight credit

The Delta SkyMiles® Gold American Express Card currently offers a $100 flight credit after spending $10,000 in purchases in a calendar year. This flight credit is only applicable to purchasing Delta airfare and can only be earned once per year.

In-flight discount

All co-branded Delta cards offer a 20% savings on in-flight purchases, such as food or beverages, on Delta Air Lines. When you make your purchase, be sure to use your Delta credit card for payment — the discount will be applied as a statement credit to your purchase.

Status boost

Status boost is a great feature for regular Delta flyers looking to obtain Medallion status. If you spend significantly on either the Delta SkyMiles® Platinum Card or the Delta SkyMiles® Reserve American Express Card, you can earn extra MQMs that will go toward earning status.

Each Delta card has its own spending thresholds to meet in order to earn the MQMs. However, it is best practice not to overspend on your credit card to simply earn Delta status.


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.

What Delta credit card should I get?

There is no such thing as the “best credit card,” as everyone’s financial needs and situation are very different. And when it comes to Delta credit cards, there isn’t one “best one” — rather, there’s a selection of cards to meet different needs. Here is a list of needs, and the card that will best suit those needs.

If you are most interested in a Delta credit card with...

If you are most interested in a Delta credit card with...
$0 annual feeDelta SkyMiles® Blue American Express Card
Free checked bags and earning Delta SkyMilesDelta SkyMiles® Gold American Express Card
Global Entry/TSA Precheck Credit and priority boardingDelta SkyMiles® Platinum Card
SkyClub access and earning Delta elite statusDelta SkyMiles® Reserve American Express Card

How do you get approved for a Delta credit card?

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.

What’s the best card to earn Delta miles?

The best Delta credit card for earning SkyMiles is the Delta SkyMiles® Platinum Card, which has a large bonus and 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.

On the other hand, if you want to earn flexible miles that can be used at different airlines including Delta, you should check out the Chase Sapphire Preferred® Card.

Which Delta credit card offers an MQM bonus?

The Delta SkyMiles® Reserve American Express Card has an annual MQM bonus for cardholders. The Delta SkyMiles® Reserve American Express Card offers a 20,000 MQM welcome bonus for spending $5,000 in the first three months. The Delta SkyMiles® Reserve American Express 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.

How many free bags do you get with a Delta credit card?

The Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Platinum Card and Delta SkyMiles® Reserve American Express Card all offer one free checked bag per flight. This is a potential savings of $60 per round-trip.

How do Delta SkyMiles work?

Delta SkyMiles are a rewards program currency that allow you earn award flights and other types of rewards, such as gift cards or merchandise, for spending money with Delta and through their co-branded credit cards. Once you have enough SkyMiles to make a redemption, you can visit the Delta SkyMiles program website and redeem your SkyMiles for rewards.

What are Medallion Qualification Miles (MQDs)?

MQDs are rewards that you earn by spending money with Delta Air Lines. You earn one MQD for each $1 that you spend on Delta airfare, excluding taxes and fees. You can use MQDs along with Medallion Qualifying Miles (MQMs) or Medallion Qualifying Segments (MQSs) to qualify for different levels of status with Delta. For example, you need $3,000 in MQDs, plus either 25,000 MQMs or 30 MQSs, to qualify for Silver status with Delta.

How many Delta miles do you need for a free flight?

Note first that award flights technically aren’t “free,” as you’ll still need to pay taxes and fees for your flight.

The answer to this question varies wildly, depending on timing and routes. However, you may only need a few thousand miles to book a short, off-peak award flight with Delta. For instance, a flight between New York City (JFK) and Boston (BOS) on Dec. 14 this year only costs 4,500 SkyMiles.

How much are Delta miles worth?

Delta SkyMiles are valued at roughly 1.3 cents per point — keep in mind, though, that Delta doesn’t publish the value of Delta SkyMiles. The value you obtain by using Delta SkyMiles can vary widely depending on how you redeem them.

Can you use Delta SkyMiles on other airlines?

In a roundabout way, yes — you can use SkyMiles for flights on other airlines. While you can’t redeem SkyMiles directly with another airline, you can redeem SkyMiles through the Delta SkyMiles program for flights with one of Delta’s airline partners.

Delta is a part of the SkyTeam Alliance, and you can use the miles you earn with Delta cards for flights on any of its 18 alliance partners. In other words, miles not only give you access to Delta’s flight network, but also to a vast worldwide network of airlines, with more than 1,000 destinations in 170 countries. Your elite status benefits, including lounge access, also apply to flights with Delta’s SkyTeam Alliance partners, so you can fly in style to almost any place you want to travel.

These are SkyTeam Alliance’s other members:

  • Aeroflot
  • Aerolíneas Argentinas
  • Aeroméxico
  • Air Europa
  • Air France
  • Alitalia
  • China Airlines
  • China Eastern
  • Czech Airlines
  • Garuda Indonesia
  • Kenya Airways
  • KLM Royal Dutch Airlines
  • Korean Air
  • Middle East Airlines – Air Liban
  • Saudia
  • TAROM
  • Vietnam Airlines
  • Xiamen Air

Is a Delta credit card worth it?

Depending on how often you fly with Delta and how likely you are to use the cards’ benefits, a co-branded Delta card could be well worth the investment. Benefits such as complimentary checked baggage and a boost to elite status can net you hundreds or even thousands of dollars of value each year with Delta.

Brett Holzhauer

Brett Holzhauer is ValuePenguin’s travel rewards expert, focusing on credit card rewards maximization, consumer travel trends, and personal finance news. He has earned and burned over 5 million points and miles throughout his travels, saving him roughly $75,000 in travel expenses.

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).