If you fly Delta even a few times a year, chances are you’ll benefit from having a Delta-branded credit card. Lounge access, priority boarding, free checked bag on Delta flights, earning Delta SkyMiles, and improving your chances for an upgrade are all great reasons to be a cardholder.
In addition to Delta-branded credit cards, however, there are other credit cards that can help you earn free flights and even provide you with complimentary Sky Club lounge access. Today we’re going to explore credit card options that provide benefits specifically for Delta flyers.
If you’ve made Delta your airline of choice but haven’t pursued the additional benefits of a Delta credit card, you’re in luck. All the information you need to select the right card for you is here.
Let’s take a look at the best credit cards for Delta flyers.
The 8 Best Credit Cards for Delta Flyers — Overview
| Card |
Welcome Bonus and Annual Fee |
Delta Benefits |
| Delta SkyMiles® Gold American Express Card |
- Earn 65,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months. Offer ends 11/9/2022.
- Annual fee of $0 introductory Annual Fee for the first year, then $99 (rates and fees)
|
- 2x SkyMiles on Delta purchases
- Free checked bag, priority boarding, 20% inflight food/beverage purchase statement credit, Pay with Miles benefit
|
| Delta SkyMiles® Gold Business American Express Card |
- Annual fee of $0 introductory annual fee for the first year, then $99. (rates and fees)
|
- 2x SkyMiles on Delta purchases
- Free checked bag, priority boarding, 20% inflight food/beverage purchase statement credit, Pay with Miles benefit
|
| Delta SkyMiles® Platinum American Express Card |
- Limited Time Offer: Earn 80,000 miles after you spend $4,000 in purchases in the first 6 months. Offer ends 11/9/2022.
- Annual fee of $250 (rates and fees)
|
- 2x SkyMiles on Delta purchases
- Free checked bag, priority boarding, 20% inflight food/beverage purchase statement credit, Pay with Miles benefit
- Annual companion certificate
|
| Delta SkyMiles® Platinum Business American Express Card |
- Limited Time Offer: Earn 85,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.
- Annual fee of $250 (rates and fees)
|
- 2x SkyMiles on Delta purchases
- Free checked bag, priority boarding, 20% inflight food/beverage purchase statement credit, Pay with Miles benefit
- Annual companion certificate
|
| Delta SkyMiles® Reserve American Express Card |
- Limited Time Offer: Earn 95,000 miles after you spend $6,000 in purchases in the first 6 months. Offer ends 11/9/2022.
- Annual fee of $550 (rates and fees)
|
- 2x SkyMiles on Delta purchases
- Free checked bag, priority boarding, 20% inflight food/beverage purchase statement credit, Pay with Miles benefit
- Annual companion certificate
- Complimentary Delta Sky Club for cardholder when flying same-day on Delta
|
| Delta SkyMiles® Reserve Business American Express Card |
- Limited Time Offer: Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.
- Annual fee of $550 (rates and fees)
|
- 2x SkyMiles on Delta purchases
- Free checked bag, priority boarding, 20% inflight food/beverage purchase statement credit, Pay with Miles benefit
- Annual companion certificate
- Complimentary Delta Sky Club for cardholder when flying same-day on Delta
|
| The Platinum Card® from American Express |
- Earn 100,000 points after you spend $6,000 on purchases on your new Card in your first 6 months.
- Annual fee of $695 (rates and fees)
|
- 5x points on flights purchased directly with the airline or with Amex Travel (up to $500,000 per year)
- Up to $200 airline incidental credit
- Complimentary Delta Sky Club for cardholder when flying same-day on Delta
|
| The Business Platinum Card® from American Express |
- Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
- Annual fee of $695 (rates and fees)
|
- 5x points on flights purchased directly with the airline or with Amex Travel
- Complimentary Delta Sky Club for cardholder when flying same-day on Delta
|
Best Credit Cards for Delta Flight Purchases and Benefits
No one enjoys paying for checked bags or priority services. Having a Delta-branded credit card can eliminate some of that expense and deliver additional benefits.
General Flight Benefits
Having one of the following Delta-branded credit cards qualifies you for a free checked bag, priority boarding, and a 20% inflight food/beverage purchase statement credit.
The Pay with Miles Benefit
The Delta Pay with Miles benefit can be used when booking a qualifying flight. Image Credit: Delta
All cardholders for the above Delta credit cards qualify for Delta’s Pay with Miles benefit. This benefit allows cardholders with at least 5,000 SkyMiles in their frequent flyer account to use those miles toward the purchase of flights.
Each 5,000 miles is worth $50 toward the flight purchase. For example, you could use 20,000 miles to reduce the cost of a ticket by $200.
If a selected flight qualifies, you will see the Pay with Miles option on your screen. You’ll have the option to pay for the entire ticket with miles, use a combination of both miles and money, or pay with your credit card.
Earning SkyMiles for Delta Purchases
All Delta-branded credit cards earn 2 SkyMiles per dollar spent on Delta purchases.
Bottom Line: Six Delta credit cards come with a free checked bag, priority boarding, 2 miles per dollar earnings on Delta purchases, 20% inflight food/beverage credit, and Pay with Miles benefits. The Blue Delta SkyMiles Credit Card (which is not included in those 6), offers 2 miles per dollar on Delta purchases and the discounted inflight food/beverage purchase credit.
Best Credit Cards for Delta Companion Tickets
Share your travel experience with others using a Delta Companion ticket. Image Credit: Delta
A valuable benefit of certain Delta-branded credit cards is the option to purchase a ticket and receive a companion ticket for just the cost of the taxes/fees. This companion certificate is offered each card anniversary year.
There are 4 Delta credit cards that offer the companion pass:
- Delta Platinum card
- Delta Platinum Business card
- Delta Reserve card
- Delta Reserve Business card
Not all fare classes or destinations are available. The certificate is good for 1 year from the date earned and valid for travel within the 48 contiguous states.
Cardholder must pay the applicable taxes and fees on the companion ticket (not to exceed $75).
Best Credit Cards for Delta Sky Club Lounge Access
Relax between flights at a Delta Sky Club lounge. Seattle Sky Club. Image Credit: Delta
If you travel frequently on Delta Air Lines, you’re going to want access to the Delta Sky Club lounges. To gain access to the Delta Sky Club lounges, you can either purchase a membership or use your Delta Reserve card, which offers complimentary access to the Club. If you purchase a membership, a single annual membership currently costs $545 annually.
Having a credit card that provides complementary or discounted lounge access can save you hundreds of dollars. Let’s take a look at the cards that provide access to Delta Sky Clubs.
| Card |
Delta Sky Club Benefit |
| Amex Platinum card |
Complimentary for cardholder when flying same-day on Delta (terms apply, see rates and fees) |
| Amex Business Platinum card |
Complimentary for cardholder when flying same-day on Delta (terms apply, see rates and fees) |
| Delta Reserve card |
Complimentary for cardholder when flying same-day on Delta (terms apply, see rates and fees) |
| Delta Reserve Business card |
Complimentary for cardholder when flying same-day on Delta (terms apply, see rates and fees) |
| Delta Platinum card |
Discounted day passes: $39 for cardholder and up to 2 guests (terms apply, see rates and fees) |
| Delta Platinum Business card |
Discounted day passes: $39 for cardholder and up to 2 guests (terms apply, see rates and fees) |
| Delta Gold card |
Discounted day passes: $39 for cardholder and up to 2 guests (terms apply, see rates and fees) |
| Delta Gold Business card |
Discounted day passes: $39 for cardholder and up to 2 guests (terms apply, see rates and fees) |
Even having to pay an annual fee on a credit card that offers complimentary access could result in net savings versus purchasing an annual lounge membership.
The Amex Platinum card and Amex Business Platinum card are great choices for Delta travelers who value complimentary lounge access, since they offer additional access to several lounge network properties, not just Delta Sky Clubs.
Hot Tip: Check to see if you’re eligible for a huge welcome offer of up to 150,000 points with the Amex Business Platinum! (The current public offer is 120,000.)
This can be an extremely valuable feature when Sky Clubs are unavailable or you’re traveling with others. Amex Centurion, Priority Pass, and Plaza Premium lounges usually allow 2 guests and have a far greater footprint worldwide.
Hot Tip: If worldwide lounge access is important to you, the Amex Platinum card should be at the top of your consideration list. The card offers complimentary access to over 1,300 global lounges for you and 2 additional guests, and it offers a long list of additional luxury travel benefits.
Best Credit Cards for Delta Elite Status and Upgrades
Some Delta credit cards can increase your chances for an upgraded seat. Image Credit: Delta
For those Delta flyers who strive for Delta Medallion Elite status, having a credit card that accelerates the process can be valuable.
Let’s look at what it takes to achieve Delta Medallion Elite status and how a Delta-branded credit card can help you get there.
Medallion Elite Status Qualification Requirements
To reach Medallion Elite status, you must earn Medallion Qualifying Miles (MQMs) or fly the required number of segments. You must also reach certain levels of required Elite Qualifying Dollars derived from flight purchases (MQDs).
Requirements must be met each calendar year.
- Silver: 25,000 MQMs or 30 segments + $3,000 MQDs or meet the MQD waiver
- Gold: 50,000 MQMs or 60 segments + $6,000 MQDs or meet the MQD waiver
- Platinum: 75,000 MQMs or 100 segments + $9,000 MQDs or meet the MQD waiver
- Diamond: 125,000 MQMs or 140 segments + $15,000 MQDs or meet the MQD waiver
For more information, see our in-depth article on Delta’s Loyalty Program which goes into detail on their Elite Status levels.
How Delta Credit Cards Help You Qualify
All Medallion MQD requirements, with the except of Diamond level, can be waived when you spend $25,000 on a Delta-branded credit card in a calendar year.
For Diamond level, the waiver requires $250,000 in spending on a Delta-branded credit card.
You can also earn Medallion Qualifying Miles when reaching certain spending levels each year on your Delta-branded credit card.
The business versions of these cards offer the same corresponding MQM-earning benefits.
Hot Tip: Want more information? Check out our guide to credit cards that help you earn airline elite status.
Best Credit Card Rewards for Transferring to Delta
If you’re a Delta flyer and have credit cards that earn Membership Rewards points, Ultimate Rewards points, or Marriott Bonvoy points, you can utilize these transfer programs to book flights on Delta.
American Express Membership Rewards Points
If you hold an American Express credit card that earns Membership Rewards points, you can transfer those points at a 1:1 ratio to Delta.
Consider the following card, in addition to the Amex Platinum card mentioned above.
Marriott Bonvoy Points
If you have an excess of Marriott Bonvoy points earned from Marriott Bonvoy cards and need to top off your Delta frequent flyer account for an award redemption, you can transfer Marriott Bonvoy points at the rate of 3 Marriott Bonvoy points to 1 Delta SkyMile.
You also receive a 5,000-mile bonus when transferring 60,000 Marriott Bonvoy Points.
Our complete guides tell you how to earn lots of Marriott Bonvoy points and how to receive maximum value when redeeming Marriott Bonvoy points for flights.
Recommended Marriott Bonvoy Cards (Personal)
Chase Ultimate Rewards Points
While points earned on Ultimate Rewards cards do not transfer to Delta, you can transfer points to SkyTeam Alliance partners Air France (Flying Blue) or Virgin Atlantic and use those miles to book on Delta.
You can also use Ultimate Rewards to book Delta flights via the Ultimate Rewards travel portal and earn miles on those flights.
Additional Partners
Additionally, you can transfer points from these hotel and car rental loyalty programs to Delta:
Bottom Line: Earning credit card rewards that can be transferred to Delta or Delta’s SkyTeam alliance partners is another option for booking Delta award flights. However, it’s important to ensure you’re receiving good value; in many cases the transfer ratios are poor.
Additional Benefits
All of the credit cards we’ve mentioned in this article offer additional American Express member benefits that vary by specific card.
These benefits can include:
To view the benefits and protections that come with each of the American Express cards we’ve mentioned, you can access the benefits policies.
Final Thoughts
If you’re a Delta frequent flyer and you can utilize the benefits that come with any of these credit cards, it makes sense to be a cardholder. Gaining complimentary lounge access, earning Elite Qualifying Miles, receiving upgrade priority, and saving on a companion ticket each year are all benefits that deliver value.
And while Delta credit card welcome bonuses vary, you can usually count on thousands of bonus SkyMiles when you’re approved for a Delta-branded card and meet the initial minimum spending requirements. Welcome bonuses can easily offset any first-year annual fee.
The Delta Reserve card is the best Delta-branded credit card for Delta flyers. It comes with a higher annual fee, but there are plenty of benefits that make it a good choice: Delta Sky Club access, an annual first-class companion certificate, and upgrade priority, for example.
If you travel frequently, fly on several different airlines, and value global lounges access, you may fare better with a premium travel rewards credit card like the Amex Platinum card, another good choice for Delta frequent flyers.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, click here.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Gold American Express Card, click here.
For rates and fees of the Delta SkyMiles® Gold Business American Express Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For the rates and fees of the American Express Gold Card, please click here.
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