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.
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 Delta Pay with Miles benefit can be used when booking a qualifying flight. Image courtesy of Delta.com.The Pay with Miles Benefit
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.
Share your travel experience with others using a Delta Companion ticket. Image courtesy of delta.com.Best Credit Cards for Delta Companion Tickets
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:
| CREDIT CARD | CARD INFO |
|---|
Delta SkyMiles® Reserve American Express Card
Learn More (at Amex's secure site) | - Earn 50,000 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.
- Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
- Earn up to 60,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs 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.
- Receive a Domestic First Class, Delta Comfort+® or 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.
- Complimentary access into the Delta Sky Club® for you when traveling on a Delta flight.
- Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you book a Delta flight with your Reserve Card.
- Fee Credit for Global Entry or TSA Pre✓®.
- Enjoy your first checked bag free on Delta flights.
- Earn 3x Miles on Delta purchases.
- Earn 1x Mile on all other eligible purchases.
- No Foreign Transaction Fees.
- Good to Excellent Credit Recommended (670-850)
- Annual Fee: $550
- Terms Apply. For rates and fees of the Delta Reserve card, click here.
$600
Must Reads: For more info on the Delta Reserve card, see our insights on its benefits and our full review. |
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).
Some Delta credit cards can increase your chances for an upgraded seat. Image courtesy of delta.com.Best Credit Cards for Delta Sky Club Lounge Access
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.
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 Platinum Card® from American Express is a great choice for Delta travelers who value complimentary lounge access, since it offers additional access to several lounge network properties, not just Delta Sky Clubs.
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
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.
Relax between flights at a Delta Sky Club lounge. Seattle Sky Club image courtesy of news.delta.com.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.
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.
Chase Ultimate Rewards Points
While Ultimate Rewards points 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.
Marriott Bonvoy Points
If you have an excess of Marriott Bonvoy points and need to top off your Delta frequent flyer account for an award redemption, you can transfer Marriott points at the rate of 3 Marriott 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.
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.
The information regarding The Hilton Honors American Express Surpass® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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 Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, 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.
