| Rewards | 2x–3x miles on Delta purchases 2x miles on restaurants & groceries (mid-tier cards) 1x mile on everything else |
|---|---|
| Signup Bonus | ~10,000 miles (Blue) ~50,000–80,000 miles (Gold) ~80,000–100,000+ miles (Platinum/Reserve) Requires meeting a spending requirement within the first 3–6 months. |
| Annual Fee | Delta SkyMiles® Blue: $0 Delta SkyMiles® Gold: $0 intro, then ~$150/year Delta SkyMiles® Platinum: ~$350/year Delta SkyMiles® Reserve: ~$650/year |
| Cardmember Agreement | View Here |
| Cash Advance APR | ~29.99% variable APR (typically higher than purchases) |
| Cash Advance Fee | 5% of the amount or $10 minimum (whichever is greater) |
| Late Payment Fee | Up to $40 |
| Purchases APR | ~20.99% – 29.99% variable APR (based on creditworthiness) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Delta SkyMiles® Credit Card lineup is best known for earning airline miles and offering travel perks like free checked bags, priority boarding, and solid welcome bonuses—though most versions come with an annual fee.
Most users say the biggest value is in the travel benefits. Cardholders appreciate the free checked bag, which alone can offset the annual fee, plus priority boarding and in-flight savings. Many reviewers mentioned the generous signup bonuses and the ability to earn miles faster when flying Delta.
On the flip side, many users point out that SkyMiles aren’t always the most valuable or predictable—award flights can require a lot of miles. Others mention high annual fees on premium cards and limited value if you don’t fly Delta often. Some also feel everyday spending rewards are just average.
Personally, I think this card makes sense if you’re loyal to Delta and fly a few times a year—the perks can easily justify the cost. But if you want flexible rewards or better everyday earning, there are stronger all-around travel cards out there.
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J
Great if you love flying delta
I signed up for this card to track up miles on airfare and everyday spend. The miles stack quickly toward flights, and perks like free checked bags and priority boarding really saved me time and money on trips. It's not amazing for non travel purchases but it's become my go to travel card.
