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Delta and its partner airlines offer flights to more than 1,000 destinations in over 60 countries around the world. And Delta offers more than just reach: In 2022, it was the top-performing U.S.-based airline for punctuality, according to a report from OAG, a travel data provider.

If you’re a frequent Delta flier, you might be interested in opening a Delta credit card to earn rewards on your travel. The best Delta credit cards earn rewards on flights, restaurants, and other purchases, and come with perks to enhance your travel experience.

Be sure to compare these cards to those on our lists of the best credit cards to view them outside of the context of this list of cards. Although Delta offers a wide range of co-branded cards, these may not always be the market’s best offerings or right for your particular needs.

Delta offers four personal credit cards:

  • Delta SkyMiles® Blue American Express Card * The information for the Delta SkyMiles® Blue American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
  • Delta SkyMiles® Gold American Express Card * The information for the Delta SkyMiles® Gold American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
  • Delta SkyMiles® Platinum American Express Card * The information for the Delta SkyMiles® Platinum American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
  • Delta SkyMiles® Reserve American Express Card * The information for the Delta SkyMiles® Reserve American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The annual fees on these cards range from $0 to $550, with the pricier cards offering bonus perks like a companion ticket and access to the Delta Sky Club.

We analyzed Delta’s credit cards to identify the best cards for different types of Delta flyers and curated this list of their most valuable features. Here are our selections for the best Delta credit cards of August 2023.

Best Delta credit cards of August 2023

Best for earning SkyMiles without an annual fee

Delta SkyMiles® Blue American Express Card

*

The information for the Delta SkyMiles® Blue American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Delta SkyMiles® Blue American Express Card
Welcome Bonus

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Earn 10,000 miles
Annual Fee
$0
Regular APR
20.99%-29.99% Variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 2X miles on eligible purchases made directly with Delta; Earn 2X Miles at restaurants worldwide and on takeout and delivery in the U.S.; Earn 1X miles on all other eligible purchases
Editor’s Take
Pros
  • No annual fee.
  • Decent welcome bonus.
  • No foreign transaction fee.
Cons
  • No 0% introductory APR offer.
  • Welcome bonus is lowest among Delta’s credit cards.
  • Lacks lounge access, priority boarding, and other airline perks.
If you’re looking for a Delta rewards card with no annual fee, check out the Delta SkyMiles® Blue American Express Card * The information for the Delta SkyMiles® Blue American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . The card earns above-average rewards on Delta spending and restaurants and basic rewards on everything else. 2 Delta SkyMiles per dollar spent on Delta purchases and restaurants and 1 mile on everything else with no limit or expiration.
Card Details
  • Annual fee: $0.
  • Rewards: 2 miles per $1 on Delta purchases, at restaurants worldwide and takeout and delivery in the U.S. and 1 mile per $1 on all other eligible purchases.
  • Welcome bonus: 10,000 miles after spending $1,000 on purchases in the first six months of card membership.
  • APR: 20.99% to 29.99% variable APR on purchases. A balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies.
  • Foreign transaction fees: None.
  • Perks and benefits: Receive 20% off in the form of a statement credit on eligible in-flight Delta purchases, and get up to $50 off a flight booking on Delta.com for every 5,000 miles you redeem.

Best for a free checked bag and priority boarding

Delta SkyMiles® Gold American Express Card

*

The information for the Delta SkyMiles® Gold American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Delta SkyMiles® Gold American Express Card
Welcome Bonus

Earn 40,000 Bonus Miles after spending $2,000 in purchases on the Card within the first 6 months of Card Membership.

Earn 40,000 miles
Annual Fee
$0 introductory annual fee for the first year, then $99
Regular APR
20.99%-29.99% Variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 2X miles at restaurants worldwide; Earn 2X miles on eligible purchases made directly with Delta; Earn 2X miles at U.S. supermarkets and takeout and delivery in the U.S.; Earn 1x miles on all other eligible purchases
Editor’s Take
Pros
  • Free checked bag and priority boarding on Delta flights.
  • Solid welcome bonus.
  • No foreign transaction fee.
Cons
  • Annual fee after the first year.
  • No Delta lounge access.
  • Low base earning rate on most purchases.
If you want some instant airline perks, consider the Delta SkyMiles® Gold American Express Card * The information for the Delta SkyMiles® Gold American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . With the card’s annual fee come extras such as a free checked bag on Delta flights for you and up to eight additional traveling companions and priority boarding. If you fly Delta just a few times per year, these benefits could make the card worth the carrying cost.
Card Details
  • Annual fee: $0 introductory annual fee for the first year, then $99.
  • Rewards: 2 miles per $1 on Delta purchases, at U.S. supermarkets and restaurants worldwide, including takeout and delivery in the U.S. and 1 mile per $1 on other eligible purchases.
  • Welcome bonus: 40,000 miles after spending $2,000 on purchases in the first six months of card membership.
  • APR: 20.99% to 29.99% variable APR on purchases.
  • Foreign transaction fees: None.
  • Perks and benefits: $100 credit for future Delta flights after you spend $10,000 on your card in a calendar year.

Best for a companion certificate

Delta SkyMiles® Platinum American Express Card

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The information for the Delta SkyMiles® Platinum American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Delta SkyMiles® Platinum American Express Card
Welcome Bonus

Earn 50,000 Bonus Miles after spending $3,000 in purchases on the Card within the first 6 months of Card Membership.

Earn 50,000 miles
Annual Fee
$250
Regular APR
20.99%-29.99% Variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 3X Miles on purchases made directly with hotels; Earn 3X Miles on Delta flights and Delta Vacations; Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets; Earn 1x miles on all other eligible purchases
Editor’s Take
Pros
  • Annual round-trip companion certificate for domestic flights.
  • Valuable welcome bonus of miles and MQMs.
  • Free checked bag and priority boarding.
Cons
  • Annual fee of $250.
  • Access to Delta SkyClub isn’t free.
  • Low base earning rate for non-bonus-category purchases.
The Delta SkyMiles® Platinum American Express Card * The information for the Delta SkyMiles® Platinum American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a free checked bag and priority boarding on Delta flights, plus an annual companion certificate. This alone can make the card worth the annual price tag. The card also offers a generous welcome bonus and 10,000 Medallion® Qualification Miles (MQMs).
Card Details
  • Annual fee: $250.
  • Rewards: 3 miles per $1 on Delta and purchases made directly with hotels, 2 miles per $1 at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1 mile per $1 on other eligible purchases.
  • Welcome bonus: 50,000 miles after spending $3,000 on purchases in the first six months of card membership.
  • APR: 20.99% to 29.99% variable APR on purchases.
  • Foreign transaction fees: None.
  • Perks and benefits: Free round-trip domestic main cabin companion certificate each year, free checked bag, priority boarding, application fee credit of up to $100 every four years for Global Entry or up to $85 every four and a half years for TSA PreCheck.

Best for maximum Delta perks

Delta SkyMiles® Reserve American Express Card

*

The information for the Delta SkyMiles® Reserve American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Delta SkyMiles® Reserve American Express Card
Welcome Bonus

Earn 60,000 Bonus Miles after spending $5,000 in purchases on the Card within the first 6 months of Card Membership.

Earn 60,000 miles
Annual Fee
$550
Regular APR
20.99%-29.99% Variable
Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 3X Miles on Delta flights and Delta Vacations®; Earn 1 mile per dollar for all other eligible purchases
Editor’s Take
Pros
  • Generous Delta benefits that mimic elite status.
  • Lounge benefits include Amex Centurion lounges.
  • Companion certificate works on first-class tickets.
Cons
  • High annual fee.
  • Delta uses dynamic award pricing, making award space unpredictable and limiting the value of SkyMiles.
  • Only Delta purchases earn rewards at an elevated rate.
The Delta SkyMiles® Reserve American Express Card * The information for the Delta SkyMiles® Reserve American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers tons of great perks when flying Delta Air Lines. Arguably the most impressive perk is access to Delta and Amex Centurion lounges, along with an annual companion ticket that’s valid on first-class travel.
Card Details
  • Annual fee: $550.
  • Rewards: 3 miles per $1 on Delta purchases and 1 mile on all other eligible purchases.
  • Welcome bonus: 60,000 miles after spending $5,000 on purchases in the first six months of card membership.
  • APR: 20.99% to 29.99% variable APR on purchases.
  • Foreign transaction fees: None.
  • Perks and benefits: Earn 15,000 Medallion® Qualification Miles (MQMs) after spending $30,000 in a calendar year (up to four times), waive the Medallion Qualification Dollar (MQD) requirement toward Platinum, Gold or Silver Medallion Status if you make at least $25,000 in purchases in that year with your eligible Delta Card from American Express, complimentary Sky Club access when flying Delta, plus two annual Delta Sky Club guest passes, Amex Centurion Lounge access when you book a Delta flight with your card, annual companion certificate valid on main cabin, comfort and first-class tickets, upgrade priority over other SkyMiles members with the same status level, free checked bag for the primary cardmember and travel companions, up to $100 Global Entry/TSA Precheck application fee credit, 20% back in the form of a statement credit on in-flight Delta purchases.

Compare the best Delta credit cards :

Credit Card
Credit score
Best For
Annual Fee
Welcome Bonus
Delta SkyMiles® Blue American Express Card
Good, Excellent (700 – 749)
Best for earning SkyMiles without an annual fee
$0
Earn 10,000 miles  

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Delta SkyMiles® Gold American Express Card
Good, Excellent (700 – 749)
Best for a free checked bag and priority boarding
$0 introductory annual fee for the first year, then $99
Earn 40,000 miles  

Earn 40,000 Bonus Miles after spending $2,000 in purchases on the Card within the first 6 months of Card Membership.

Delta SkyMiles® Platinum American Express Card
Good, Excellent (700 – 749)
Best for a companion certificate
$250
Earn 50,000 miles  

Earn 50,000 Bonus Miles after spending $3,000 in purchases on the Card within the first 6 months of Card Membership.

Delta SkyMiles® Reserve American Express Card
Good, Excellent (700 – 749)
Best for maximum Delta perks
$550
Earn 60,000 miles  

Earn 60,000 Bonus Miles after spending $5,000 in purchases on the Card within the first 6 months of Card Membership.

Best Delta credit cards of August 2023
Delta SkyMiles® Blue American Express Card *

The information for the Delta SkyMiles® Blue American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Delta SkyMiles® Blue American Express Card * The information for the Delta SkyMiles® Blue American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) is a straightforward choice if you’re looking to earn Delta SkyMiles on a travel card with no annual fee. Although it doesn’t offer the same perks as some of Delta’s other cards, it does give you 20% savings on in-flight Delta purchases in the form of a statement credit.

  • Annual fee: $0.
  • Rewards: Earn 2 miles per $1 on Delta purchases, at restaurants worldwide and takeout and delivery in the U.S. and 1 mile per $1 on all other eligible purchases.
  • Welcome bonus: Earn 10,000 miles after spending $1,000 on purchases in the first six months of card membership.
  • Foreign transaction fee: None.
Delta SkyMiles® Gold American Express Card *

The information for the Delta SkyMiles® Gold American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Even though the Delta SkyMiles® Gold American Express Card * The information for the Delta SkyMiles® Gold American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) charges an annual fee after the first year, it comes with a free checked bag perk for you and up to eight traveling companions on your reservation that can make the cost well worth it. Along with 20% savings on in-flight purchases in the form of a statement credit, the Gold Delta SkyMiles card comes with priority boarding and a free checked bag when you fly Delta. If you spend $10,000 on purchases in your first year, you can earn a $100 flight credit for future travel on Delta. The card also offers an application fee statement credit for Global Entry or TSA PreCheck (up to $100). Enrollment is required for select benefits.

  • Annual fee: $0 introductory annual fee for the first year, then $99.
  • Rewards: Earn 2 miles per $1 on Delta purchases, at U.S. supermarkets and restaurants worldwide, including takeout and delivery in the U.S. and 1 mile per $1 on other eligible purchases.
  • Welcome bonus: Earn 40,000 miles after spending $2,000 on purchases in the first six months of card membership.
  • Foreign transaction fee: None.
Delta SkyMiles® Platinum American Express Card *

The information for the Delta SkyMiles® Platinum American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Although the Delta SkyMiles® Platinum American Express Card * The information for the Delta SkyMiles® Platinum American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) carries a sizeable annual fee of $250, it comes with a variety of money-saving perks for cardholders, including a free checked bag, priority boarding, 20% savings on eligible in-flight Delta purchases in the form of a statement credit and an annual companion certificate for a friend to fly domestically.

The card also grants you and two guests access the Delta SkyClub lounge for $39 per person. If you spend $25,000 on your card in a calendar year, you can also earn up to 20,000 Medallion® Qualification Miles, which can bring you closer to achieving Medallion status and enjoying the travel perks that come with it.

  • Annual fee: $250.
  • Rewards: Earn 3 miles per $1 on Delta and purchases made directly with hotels, 2 miles per $1 at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1 mile per $1 on other eligible purchases.
  • Welcome bonus: Earn 50,000 miles after spending $3,000 on purchases in the first six months of card membership.
  • Foreign transaction fee: None.
Delta SkyMiles® Reserve American Express Card *

The information for the Delta SkyMiles® Reserve American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Delta SkyMiles® Reserve American Express Card * The information for the Delta SkyMiles® Reserve American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) made our best airline cards list for its lengthy list of perks and benefits, including complimentary access to the Delta SkyClub. The annual fee on the card costs less than purchasing a Delta SkyClub membership. You’ll also be eligible for complimentary upgrades, when available. This card is primarily aimed at those who want Delta SkyClub lounge access, and are willing to pay for it via ownership of this card.

The card includes complimentary access to the Delta SkyClub, Escape Lounges, and the Centurion Lounge, a free checked bag, priority boarding, statement credit for Global Entry and TSA PreCheck (up to $100), and 20% savings on eligible in-flight Delta purchases (in the form of a statement credit). You’ll receive an annual companion certificate valid for a domestic round-trip flight in first class, Comfort+ or the main cabin.

  • Annual fee: $550.
  • Rewards: Earn 3 miles per $1 on Delta purchases and 1 mile on all other eligible purchases.
  • Welcome bonus: Earn 60,000 miles after spending $5,000 on purchases in the first six months of card membership.
  • Foreign transaction fee: None.

Should you get a Delta credit card?

“Delta Air Lines is consistently one of the most popular airlines among travelers. If you love Delta, a Delta Air Lines credit card from American Express can enhance and optimize your Delta SkyMiles earning, redeeming, and flying. From a big welcome offer to extra benefits like priority boarding, free checked bags, and extra status miles, you can save hundreds of dollars annually with any of these cards. To make the right choice, think about your next year of travel, how often you’ll fly on Delta, what benefits you like most, etc., then match that up with the right card,” says Zac Hood, travel rewards educator and founder of the app, TravelFreely.com.

If you frequently fly with Delta, a Delta credit card could make your travel experience more enjoyable and you could earn valuable rewards to use for future Delta flights. Depending on the card you choose, you could enjoy perks such as free checked bags, priority boarding, and access to the Delta SkyClub lounge. 

Plus, you’ll earn rewards back on your purchases and get 20% savings in the form of a statement credit on eligible in-flight Delta purchases you make on snacks, drinks, and other items. At the same time, you may be able to find other travel rewards cards with even better rewards structures. 

The Chase Sapphire Preferred® Card, for example, offers 5 points per $1 on travel purchased through Chase Ultimate Rewards®, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases and has a $95 annual fee. The Chase Sapphire Reserve® has a $550 annual fee but earns 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.  

If you want a travel card that offers more rewards on your purchases outside of flying, a Delta credit card might not be the way to go. But if you frequently fly with Delta or one of its partner airlines, a Delta Blue, Gold, Platinum or Reserve credit card could be a valuable addition to your wallet. 

Guide to Delta credit cards

What are Delta SkyMiles and how do they work?

Delta SkyMiles are the rewards you earn when you charge purchases to your Delta credit card. You can redeem SkyMiles for travel with Delta or one of its partner airlines. You can book with any of these partner airlines via Delta.com:

  • Air France
  • Cape Air
  • China Eastern
  • China Airlines
  • China Southern
  • Hawaiian Airlines
  • KLM Royal Dutch Airlines
  • Korean Air
  • LATAM
  • Mandarin Airlines
  • Middle East Airlines
  • Saudia Airlines
  • Shanghai Airlines
  • Tarom Airlines
  • Vietnam Airlines
  • Virgin Atlantic
  • WestJet
  • Xiamen Airlines

With these partners you can use your Delta miles to directly book flights on these airlines. You must have a minimum of 5,000 miles to redeem, which equates to $50 toward your ticket. You can also contact Delta to have them book with your miles on the following partner airlines:

  • Air Europa
  • Air Tahiti Nui
  • Czech Airlines
  • Kenya Airways

In addition to using your miles to book flights, you can also use SkyMiles to upgrade your seats, use for premium drinks in a Delta Sky Club, for ticket change fees, to redeem for Delta gift cards, magazines or to shop with miles via the Delta SkyMiles Marketplace. You can also gift, transfer or donate your SkyMiles via Delta.com

How to get a Delta credit card

You can apply for a Delta credit card on the American Express website. The application asks for personal details, such as your name, Social Security number, and total annual income. After submitting your application, American Express will run a hard credit inquiry to review your credit standing, which could ding your credit score by a few points. You could get a decision on whether or not you qualify for the card in as little as 30 seconds, or a notice that says Amex is reviewing your application further. 

Pros of Delta credit cards

  • Travel benefits. All cards offer 20% back in the form of a statement credit on eligible in-flight Delta purchases and no foreign transaction fees. The Gold, Platinum and Reserve cards also offer a 15% discount for award travel booked with the airline.
  • Miles never expire. As long as your account is open and in good standing, your Delta SkyMiles won’t expire.
  • Pay with miles. The cards unlock the ability to use miles to offset the price of a flight. For every 5,000 SkyMiles you redeem, you’ll get $50 off the cost of your Delta flight.
  • Free checked bags. The Gold, Platinum and Reserve cards all offer free checked bag perks. 
  • Protection perks. All four cards come with secondary auto rental coverage¹, purchase protection and extended warranty coverage². 

Cons of Delta credit cards

  • Low ongoing earn rate. Some cobranded credit cards offer ultra-high rewards rates for spending within the brand, but these cards do not.
  • Limited travel protections. None of the cards offer primary auto rental coverage, not even the $550-annual-fee Delta SkyMiles Reserve.
  • May be geographically undesirable. If you don’t fly to or from a location where Delta has a presence, accruing Delta SkyMiles will be of little use to you.
  • Limited redemption options. Although Delta has a robust list of travel airline partners, you can’t use your rewards to book other types of travel without booking through Delta Vacations.

Considering a more flexible travel rewards card?Here’s how the Delta SkyMiles Reserve stacks up against The Platinum Card from American Express

How to maximize the value of your Delta credit card

You can maximize the value of your Delta credit card by utilizing your travel benefits and charging your purchases strategically. Most Delta cards, for instance, offer elevated earnings on Delta purchases and on restaurant dining. You should also make sure before applying for a new Delta credit card that you can hit the spending requirement to earn the welcome bonus within the specified time frame — as a welcome bonus is one of the best ways to rack up travel rewards quickly.

Methodology

Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. In the case of the best Delta credit cards, there are only four consumer Delta cards available and each one is aimed at a different user. The right Delta card for you will be the one that aligns with your willingness to pay annual fees and the perks you’ll get in exchange.

Frequently asked questions (FAQs)

Three of Delta’s four personal credit cards come with a free checked bag when you fly Delta: the Delta SkyMiles® Gold American Express Card * The information for the Delta SkyMiles® Gold American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , Delta SkyMiles® Platinum American Express Card * The information for the Delta SkyMiles® Platinum American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , and Delta SkyMiles® Reserve American Express Card * The information for the Delta SkyMiles® Reserve American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . The only Delta card that doesn’t come with a free checked bag is the no-annual-fee Delta SkyMiles® Blue American Express Card * The information for the Delta SkyMiles® Blue American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .

Although Delta doesn’t disclose the specific credit score you need to open a Delta credit card, you likely need a good credit score of which FICO typically defines as 670 or higher. Keep in mind that there is no exact credit score that will guarantee your application for a particular card will be approved as lenders take a variety of factors into account when making their decision, including your income.

Medallion® Qualification Dollars are rewards that you earn when you purchase flights on Delta or one of its partner airlines or earn them as bonuses on a Delta credit card. After earning a certain number of MQDs, you could qualify for Delta Medallion Status. There are three tiers—Silver, Gold and Platinum—and each comes with travel perks, such as free checked bags, priority check-in and free upgrades.

You can choose to “Pay With Miles” for a flight once you’ve accrued a minimum of 5,000 Delta SkyMiles.

You can use Delta SkyMiles on Delta, Delta Connection carriers, and Delta’s more than 30 partner airlines in the SkyTeam alliance and other partnerships.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

²Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Rebecca has been writing about personal finance and education since 2014. With a background in teaching and school counseling, she brings firsthand experience working with students and their families to her writing about student loans, financial aid and the college process. Formerly a senior student loans and personal loans writer for Student Loan Hero and LendingTree, Rebecca now covers a variety of personal finance topics, including budgeting, saving for retirement, home buying and home ownership, side hustles and more. Her work has been featured in MarketWatch, U.S. News & World Report, Forbes Advisor, and other publications, and she's contributed expert commentary to Fortune, Money.com, NBC and more. When Rebecca's not writing about money, she's teaching people how to create profitable blogs on her website, Remote Bliss.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.