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Which Delta Credit Card Is Best in 2025?

Headshot of Holly JohnsonWritten by
Holly Johnson
Headshot of Robin RatcliffEdited by
Robin Ratcliff
Updated on:
Content was accurate at the time of publication.
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Best Delta credit card

Delta SkyMiles<sup>®</sup> Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

With premium benefits like Delta Sky Club® access, a yearly companion certificate and a leg up toward Delta Medallion status, the Delta SkyMiles® Reserve American Express Card is the best Delta Skymiles card.

Are Delta credit cards worth it?

  • Delta credit card offers can be worth it due to benefits like free checked bags. Even if you only fly Delta a couple of times a year, you could save over $100 in baggage fees.
  • Several Delta Amex cards include an annual companion certificate that could be worth hundreds or even over a thousand dollars per year, depending on the fare.
  • Some Delta cards give you access to Delta Sky Clubs, which could save you from purchasing a $695 lounge membership.
  • If you just want to earn miles for free flights, a general travel card like the American Express® Gold Card may be better.

 

Best Delta SkyMiles credit card

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles<sup>®</sup> Reserve American Express Card Delta SkyMiles<sup>®</sup> Reserve American Express Card
LendingTree's Reviewtooltip-question

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.1
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

First-year card value: *$1,682
Ongoing annual card value: *$2,087
Welcome Offer70,000 miles
Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate1X - 3X miles
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
Annual Fee$650
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Access to Delta Sky Club and Amex Centurion Lounges
  • Work toward elite status with credit card spending
  • Annual Companion Certificate at renewal (good for first-class cabin)
  • First checked bag free on Delta flights
  • Global Entry/TSA PreCheck fee credit (enrollment required)
  • $650 annual fee
  • Only bonus category is for Delta purchases

If you’re a frequent Delta flyer who wants the most bang for your buck, you’re best off with the Delta SkyMiles® Reserve American Express Card. It’s the only personal Delta credit card that offers complimentary lounge access as a benefit, and it even comes with four one-time guest passes to Delta Sky Clubs each year. It also provides a ton of really valuable perks, including an annual companion certificate, complimentary upgrades, MQDs to get you closer to status and more than $500 in travel credits. However, the card’s main downside — its $650 annual fee — means it may not be worth it for more casual travelers.

Key features

  • Delta Sky Club and Centurion Lounge access
  • Companion Certificate for a first-class, Delta Comfort+® or main cabin round-trip flight to select destinations each year after renewal
  • $2,500 MQD Boost toward elite status each year
  • Earns $1 Medallion® Qualification Dollar (MQD) per $10 spent on your card and get a boost toward elite status
  • First checked bag free on Delta flights for you and up to eight companions on the same reservation
  • Statement credits toward rideshares**, Delta Stays, Resy dining reservations** and more
*View our value methodology to see how we estimated this.
**Enrollment required
  • Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
  • Enjoy a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over other Medallion Members within the same Medallion tier and fare class grouping when you fly with Delta.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best starter Delta credit card

Delta SkyMiles® Gold American Express Card

Delta SkyMiles<sup>®</sup> Gold American Express Card Delta SkyMiles<sup>®</sup> Gold American Express Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.2
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

First-year card value: *$1,177
Ongoing annual card value: *$477
Welcome Offer50,000 miles
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate1X - 2X miles
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
  • Earn 1X Miles on all other eligible purchases.
Annual Fee$0 introductory annual fee for the first year, then $150.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Free checked bag on Delta flights
  • Excellent rewards rate for everyday purchases
  • Early boarding on Delta flights
  • $200 Delta flight credit after spending $10,000 within a calendar year
  • Up to a $100 annual Delta Stays credit
  • No airport lounge access
  • No help earning Delta Medallion status
  • Cardholders with Delta elite status may find the benefits less useful

The Delta SkyMiles® Gold American Express Card is the best Delta American Express card if you fly Delta a few times a year and just want a few money-saving benefits, like free checked bags. It has solid travel benefits and a $0 introductory annual fee for the first year, then $150.

You get one free checked bag per flight for yourself and up to eight companions on your Delta flight reservation. Plus, cardholders qualify for Zone 5 on Delta flights, in-flight discounts and no foreign transaction fees.

Key features

  • First checked bag free on Delta flights for you and up to eight companions on the same reservation
  • Zone 5 priority boarding on Delta flights
  • $200 Delta flight credit after spending $10,000 within a calendar year
  • Up to a $100 annual Delta Stays credit on eligible prepaid Delta Stays bookings on delta.com
*View our value methodology to see how we estimated this.
  • Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a $0 introductory Annual Fee for the first year, then $150.
  • Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
  • You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • No Foreign Transaction Fees.
  • With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
With checked bags on Delta typically costing $35 each way, the annual fee on the Delta SkyMiles® Gold American Express Card can pay for itself with one round-trip flight. A family of four could save $140 one-way with this benefit, or $280 on a round-trip itinerary.

 

Best mid-tier Delta credit card

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles<sup>®</sup> Platinum American Express Card Delta SkyMiles<sup>®</sup> Platinum American Express Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.2
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

First-year card value: *$1,052
Ongoing annual card value: *$677
Welcome Offer60,000 miles
Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate1X - 3X miles
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • 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.
Annual Fee$350
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Earn bonus miles in several everyday spending categories
  • Annual companion certificate upon renewal
  • MQD Boost
  • Global Entry/TSA PreCheck fee credit (enrollment required)
  • First checked bag free on Delta flights
  • $350 annual fee
  • No Sky Club access

Thanks to its generous rewards rates on everyday purchases, the Delta SkyMiles® Platinum American Express Card is a solid choice for racking up as many Delta SkyMiles as you can. It doesn’t give you lounge access, but it does offer many of the same benefits as the Delta SkyMiles® Reserve American Express Card — including a boost to elite status — at a lower price point. An annual companion certificate upon renewal, a Global Entry/TSA PreCheck credit**, priority boarding and your first checked bag free on Delta flights add even more value to the card.

Key features

  • Main cabin round-trip companion certificate each year upon renewal of your card
  • $2,500 MQD Boost toward Delta Medallion status each year
  • Earns 1 Medallion Qualification Dollar (MQD) per $20 spent on your card and get a boost toward elite status
  • First checked bag free on Delta flights for you and up to eight companions on the same reservation
  • Statement credits for Resy**, rideshares**, Delta Stays and more
*View our value methodology to see how we estimated this.
**Enrollment required
  • Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Receive a Companion Certificate on a Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of the government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles® Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
  • Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • 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.
  • $120 Resy Credit: Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles® Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
  • $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
  • You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • No Foreign Transaction Fees.
  • $350 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Due to limitations on destinations and fare class requirements, the annual companion certificate on the Delta SkyMiles® Platinum American Express Card can be difficult to redeem. You’ll have a better shot at maximizing this benefit if you’re flexible and you book airfare as early as possible.

 

Best Delta business credit card

Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles<sup>®</sup> Reserve Business American Express Card Delta SkyMiles<sup>®</sup> Reserve Business American Express Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.1
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

First-year card value: *$1,845
Ongoing annual card value: *$2,140
Welcome Offer80,000 miles
Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate3X miles
Earn 3 miles per dollar on eligible Delta purchases.
Annual Fee$650
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Access to Delta Sky Clubs and Amex Centurion Lounges
  • MQD Boost toward elite status each year
  • Annual Companion Certificate at renewal (good for first-class cabin)
  • First checked bag free on Delta flights
  • Global Entry/TSA PreCheck fee credit (enrollment required)
  • $650 annual fee
  • Limited bonus category options

Like its personal card counterpart, the Delta SkyMiles® Reserve Business American Express Card is the best overall value for business owners who fly Delta Air Lines frequently. The $650 annual fee gives you access to Delta Sky Clubs, as well as Centurion lounges and Escape lounges.

You also get the same great perks as the personal version of the card, including a companion certificate, complimentary upgrades, an MQD boost and more than $500 worth of credits. In addition, you’ll get useful business benefits, like employee cards and expense management. Cardholders even get four one-time guest passes for Delta Sky Clubs each year.

Key features

  • Delta Sky Club and Centurion Lounge access
  • Companion Certificate for a First Class, Delta Comfort+ or Main Cabin round-trip flight to select destinations each year after renewal
  • $2,500 MQD Boost toward elite status each year
  • Earns 1 Medallion Qualification Dollar (MQD) per $10 on your card and get a boost spent toward elite status
  • First checked bag free on Delta flights for you and up to eight companions on the same reservation
  • Statement credits toward Delta Stays, rideshares**, Resy dining purchases** and more
*View our value methodology to see how we estimated this.
**Enrollment required
  • Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
  • Terms and limitations apply.

Best starter Delta business credit card

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles<sup>®</sup> Gold Business American Express Card Delta SkyMiles<sup>®</sup> Gold Business American Express Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.1
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

First-year card value: *$1,234
Ongoing annual card value: *$424
Welcome Offer60,000 miles
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate1X - 2X miles
  • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of eligible purchases per category, per year.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
  • Earn 1 Mile on every eligible dollar spent on other purchases.
Annual Fee$0 introductory annual fee for the first year, then $150
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Free checked bag on Delta flights
  • Zone 5 priority boarding on Delta flights
  • $200 Delta flight credit after spending $10,000 within a calendar year
  • Up to a $150 annual Delta Stays credit on eligible prepaid Delta Stays bookings on delta.com
  • 20% back on in-flight Delta purchases
  • $0 introductory annual fee for the first year, then $150
  • No lounge access
  • No help earning Delta Medallion status
  • Cardholders with Delta elite status may not find the benefits very useful

The Delta SkyMiles® Gold Business American Express Card is a good choice for small business owners who occasionally fly on Delta Air Lines and want to save on checked bags and other Delta purchases.

Cardholders enjoy a $0 introductory annual fee for the first year, then $150. This entitles you to your first checked bag free on Delta flights, a $200 Delta flight credit (minimum spending requirement applies) and up to $150 Delta Stays statement credit. While these benefits are good, you may find the cost of the Delta SkyMiles® Reserve Business American Express Card well worth it for the multiple perks that it offers.

Key features

  • First checked bag free on Delta flights for you and up to eight companions on the same reservation
  • Zone 5 priority boarding on Delta flights
  • $200 Delta flight credit after spending $10,000 within a calendar year
  • Annual credit for Delta Stays
*View our value methodology to see how we estimated this.
  • Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
  • $0 introductory annual fee for the first year, then $150
  • Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
  • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
  • Earn 1 Mile on every eligible dollar spent on other purchases.
  • Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding on Delta flights.
  • Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.

Best mid-tier Delta business credit card

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles<sup>®</sup> Platinum Business American Express Card Delta SkyMiles<sup>®</sup> Platinum Business American Express Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.5
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply

First-year card value: *$1,115
Ongoing annual card value: *$630
Welcome Offer70,000 miles
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate1.5X miles
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply.
  • *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Annual Fee$350
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Earns MQDs toward elite status requirements
  • Zone 5 Priority boarding on Delta flights
  • First checked bag free on Delta flights
  • Global Entry/TSA PreCheck fee credit (enrollment required)
  • $350 annual fee
  • No Sky Club access

If the Delta SkyMiles® Reserve Business American Express Card‘s annual fee is too much for you, the Delta SkyMiles® Platinum Business American Express Card offers many of the same benefits for a lower $350 annual fee. You’ll get a large welcome offer, as well as a solid earning rate on purchases. You’ll also get a companion certificate each year after you renew, MQDs to help you achieve elite status and more than $400 worth of credits.

Key features

  • Main cabin round-trip companion certificate each year upon renewal of your card
  • $2,500 MQD Boost each Medallion Qualification Year
  • Earns $1 Medallion Qualification Dollar (MQD) per $10 spent on your card and get a boost toward elite status
  • First checked bag free on Delta flights for cardholder and up to eight companions on the same reservation
  • Statement credits for Delta Stays, rideshares**, Resy dining reservations** and more
*View our value methodology to see how we estimated this.
**Enrollment required
  • Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Terms and limitations apply.

Best card for lounge access

The Platinum Card® from American Express

The Platinum Card<sup>®</sup> from American Express The Platinum Card<sup>®</sup> from American Express
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4.5
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Rates & Fees
|Terms Apply

First-year card value: *$3,140
Ongoing annual card value: *$1,540
Welcome Offer80,000 points
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate5X points
  • Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year
  • Earn 5X Membership Rewards® points on prepaid hotels booked with American Express Travel.
  • Terms apply. 
Annual Fee$695
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Airport lounge access, including Amex Centurion Lounges and Delta Sky Club (10 visits per year)
  • Automatic Hilton Honors and Marriott Bonvoy elite status (enrollment required)
  • Earns flexible Membership Rewards points
  • $1,000+ in value worth of credits
  • High $695 annual fee
  • Low earning rate on everyday spending categories
  • May have to pay balance in full each month

The Platinum Card® from American Express may be the card for you if you like to fly with Delta but also want the flexibility to fly with other airlines and still enjoy perks like lounge access. You’ll get worldwide lounge access to several different lounge networks, including Delta Sky Club lounges when flying Delta. It earns Amex Membership Rewards points, which you can transfer to your SkyMiles account, as well as a long list of other airline and hotel loyalty programs.

Key features

  • Enter Delta Sky Club lounges (10 visits per year) when traveling on a same-day ticket on a Delta-operated flight
  • Enter American Express Centurion Lounges no matter what airline you’re flying
  • More than in value $1,000 worth of credits can help offset the annual fee
  • Transfer points to your Delta SkyMiles account
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • With American Express Global Lounge Collection® you can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best card for SkyMiles

American Express® Gold Card

American Express<sup>®</sup> Gold Card American Express<sup>®</sup> Gold Card
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4.3
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Rates & Fees
|Terms Apply

First-year card value: *$2,317
Ongoing annual card value: *$1,117
Welcome Offer60,000 points
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate1X - 4X points
  • Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), 
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point on all other eligible purchases. 
  • Terms Apply
Annual Fee$325
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Excellent earning rate for dining and U.S. supermarkets
  • Flexible points you can use on any airline, including Delta
  • Up to $120 in Uber Cash ($10 monthly) toward U.S. Uber rides or U.S. Uber Eats purchases when you add the card to the app (enrollment required)
  • Up to $120 dining credit ($10 monthly) toward purchases at participating partners (enrollment required)
  • $325 annual fee
  • Cannot carry a balance on some purchases
  • No lounge access or airline perks

If you don’t really care about airline perks and you just want to earn rewards for free flights on any airline (including Delta), the American Express® Gold Card may be the best option for you. By our estimates, it offers the highest earning potential of all the cards we’ve mentioned. The points you earn can be transferred to more than 20 airline and hotel partners, including Delta Air Lines. With its large welcome offer and generous points on a wide variety of earning categories, you can quickly rack up points for future flights.

Key features

  • Transfer points to your Delta SkyMiles account
  • Statement credits for dining**, Uber purchases (terms apply), Dunkin’** and Resy dining purchases**
*View our value methodology to see how we estimated this.
**Enrollment required
  • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best business credit card for SkyMiles

The Blue Business® Plus Credit Card from American Express

The Blue Business<sup>®</sup> Plus Credit Card from American Express The Blue Business<sup>®</sup> Plus Credit Card from American Express
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3.8
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on American Express's secure site
Rates & Fees
|Terms Apply

First-year card value: *$1,100
Ongoing annual card value: *$800
Welcome Offer15,000 points
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Rewards Rate1X - 2X points
  • Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • Earn 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Terms and limitations apply.
Annual FeeNo annual fee
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • No annual fee
  • Earns flexible Amex Membership Rewards points
  • Intro APR for purchases
  • No annual fee for additional employee cards
  • Earns just 1X points per $1 spent after meeting $50,000 spending threshold each year
  • No frequent flyer or airport lounge benefits
  • Charges foreign transaction fees

While The Blue Business® Plus Credit Card from American Express doesn’t offer any frequent flyer benefits with Delta, cardholders can earn flexible Amex Membership Rewards points that can be transferred to Delta or used to book flights with most major airlines. Members also earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

An intro APR applies to purchases as well, which can help business owners save on interest as they pay down new spending for a limited time.

Key features

  • Transfer points to your Delta SkyMiles account
  • No annual fee for additional employee cards
*View our value methodology to see how we estimated this.
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
  • You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee
  • Terms Apply.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

The information related to the American Express® Green Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

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