Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
If you stick a toe into the world of travel rewards, you’ll quickly learn that there is a lot to learn. There are scores of airline programs, half a dozen major bank programs, and bunch of hotel programs. Even if you’re writing about credit cards and loyalty programs full-time, it’s impossible to pay attention to them all. If you want to make travel rewards useful to you, you should suss out which programs are relevant and warrant your attention, and which you can ignore.
In this series of articles, we’re going to focus on helping you answer two questions for each airline program:
- Is this airline program relevant to you? (Should you care about it?)
- Should you collect points in this airline program directly?
As you evaluate programs and find the one that are relevant to you, you can use our spreadsheet to keep notes. That way, you can build your own reference. Let’s dig into Delta SkyMiles and see if you should pay attention to that program.
Is Delta SkyMiles relevant to you?
The first question you should answer is whether the Delta SkyMiles program is relevant to you. Does the program offer award travel at good rates to the places you want to go? If you live in a Delta hub and always fly on Delta, the answer to this is probably yes. If you live in a market with limited Delta schedule or where Delta flights are frequently more expensive than flights you would book with cash, maybe Delta isn’t relevant.
Perhaps it’s easiest to answer this question by considering the things that Delta SkyMiles is particularly good at.
If the kinds of travel that Delta SkyMiles is useful for matches up with your travel needs, it’s probably a relevant program for you.
Good uses of Delta SkyMiles
Here are the award travel redemptions where Delta SkyMiles shines.
U.S. domestic and international flights on Delta – SkyMiles have relatively predictable value and can be easily used to book travel on Delta. The value varies a bit. You tend to get better value for your SkyMiles when you don’t book to or from a Delta hub and when you book farther in advance. And when you hold a Delta credit card, you get a 15% discount on the miles prices of tickets through Delta’s TakeOff 15 discount.
Speculative bookings on SkyTeam – Through a certain lens, booking a trip with Delta SkyMiles is a better deal than booking with cash. For most airfares, Delta now lets you cancel your reservation and receive what you paid as a travel credit, good for one year after the date you originally booked your ticket. Delta charges no fees for award travel redeposits, so you can cancel any Delta SkyMiles award ticket (other than a basic economy ticket) for no penalty. The upside to canceling a SkyMiles ticket is that you get your cash co-pay refunded and your miles redeposited into your account. Since Delta SkyMiles don’t expire, you don’t have to worry about your travel credit expiring like you would, had you booked a ticket with cash.
Delta flash sales – Delta’s flash sales used to be a common, even monthly, event. Nowadays, these sales are rare, but when they do happen, they can provide opportunities for incredible value. Recently, I was able to score round-trip tickets to Australia on Delta from Minneapolis for 40,000 SkyMiles. Of course, hoarding Delta SkyMiles in the hope that you’ll get some sale in the future is highly speculative.
Short-haul flights on SkyTeam carriers that don’t touch the U.S. – Delta now ties all of its awards to or from North America to the revenue prices of its flights, but partner flights that don’t touch America are priced with a hidden award chart. If you’re hopping between countries on SkyTeam carriers, Delta can sometimes be a good option, particularly in Asia.
Should you collect Delta SkyMiles?
If an airline program provides awards to places you want to go, it might make sense to collect miles in that program. But it might want to simply learn how to use the program and accumulate points elsewhere.
If you can collect enough transferable points in programs that partner with Delta SkyMiles to meet your travel needs, it’s almost always better to do that. You can often earn points faster in transferable programs through credit card welcome bonuses and ongoing spending. And transferable point programs offer much more flexibility than collecting airline miles directly.
Here are the transfer partners of Delta SkyMiles.
Transfer partners
American Express Membership Rewards – You can transfer American Express Membership Rewards to Delta at a rate of 1 Membership Rewards point to 1 SkyMile. Amex charges a fee for the transfer, equivalent to about 60 cents per 1,000 points transferred.
Should you get SkyMiles credit cards?
If you’re decided that Delta Air Lines is relevant to you and you want to collect Delta SkyMiles directly, there are a handful of ways to increase your SkyMiles balance. You can fly the airline, you can engage with the airline’s shopping and hotel partners, you can order a whole lot of Starbucks, or you can get one of Delta’s seven co-branded credit cards.
The fastest way to earn a bunch of SkyMiles to use on your next vacation is by applying for new Delta SkyMiles credit cards with welcome bonuses. Here’s our top advice about Delta SkyMiles credit cards.
Wait for elevated welcome bonuses. If you want to earn Delta SkyMiles by applying for a new credit card, it’s usually best to look at the cards when Delta and American Express run limited-time elevated welcome offers. These increased welcome offers come around frequently. If the cards don’t offer elevated welcome offers, waiting around a few months can mean earning more miles when you do apply for the cards.
Choose the right card for you. The Delta credit cards come with different levels of benefits and different price points. If you’re only an occasional Delta flyer, you probably want the Delta SkyMiles® Gold American Express Card for a free checked bag and its relatively low annual fee. If you are certain that you’ll take a trip or two with a companion, look at the Delta SkyMiles® Platinum American Express Card because you’ll get a companion ticket starting in your second year of card membership when you renew your card. If you fly Delta frequently and want lounge access, look at the premium Delta SkyMiles® Reserve American Express Card. And remember that you can pick up both the business and personal variants of each card.
Current Delta Air Lines personal credit card welcome offers
Here are the current welcome offers available on Delta Air Lines personal American Express credit cards.
- Delta SkyMiles® Blue American Express Card: bonus_miles_full
Annual fee: annual_fees (See Rates and Fees) - Delta SkyMiles® Gold American Express Card: bonus_miles_full
Annual fee: annual_fees (See Rates and Fees) - Delta SkyMiles® Platinum American Express Card: bonus_miles_full
Annual fee: annual_fees (See Rates and Fees) - Delta SkyMiles® Reserve American Express Card: bonus_miles_full
Annual fee: annual_fees (See Rates and Fees)
Current Delta Air Lines small business credit card welcome offers
Delta also offers versions of several of its credit cards for small business owners. Here are the welcome offers available on the Delta small business cards.
- Delta SkyMiles® Gold Business American Express Card: bonus_miles_full
Annual fee: annual_fees (See Rates and Fees) - Delta SkyMiles® Platinum Business American Express Card: bonus_miles_full
Annual fee: annual_fees (See Rates and Fees) - Delta SkyMiles® Reserve Business American Express Card: bonus_miles_full
Annual fee: annual_fees (See Rates and Fees)
More details about the Delta Air Lines credit card welcome bonuses
Delta SkyMiles® Blue American Express Card welcome bonus
Learn how to apply.
Annual fee: annual_fees
(See Rates and Fees)
Delta SkyMiles® Blue American Express Card welcome bonus
bonus_miles_full
The Delta SkyMiles® Blue American Express Card offers paltry rewards and little in the way of substantive benefits. Delta flyers will want to consider a higher tier of Delta credit card.
More about this card
Benefit highlights:
20% back on in-flight purchases.
Pay with miles.
Rewards:
2x on dining at restaurants worldwide, including takeout and delivery in the U.S.
2x on Delta purchase made directly with Delta.
1x on other eligible purchases.
Rewards are earned as Delta SkyMiles®.
Learn more:
Learn more about the current Delta welcome bonuses.
Compare this card to other Delta cards in our overview of Delta credit cards.
Delta SkyMiles® Gold American Express Card welcome bonus
Learn how to apply.
Annual fee: annual_fees
(See Rates and Fees)
Delta SkyMiles® Gold American Express Card welcome bonus
bonus_miles_full
This is the card to get if you want to get a free first checked bag on Delta flights.
More about this card
Benefit highlights:
TakeOff 15.
First checked bag free.
$100 Delta Stays credit.
$200 Delta flight credit after spending $10,000 in purchases on your card in a calendar year.
Rewards:
2x on Delta purchases made directly with Delta.
2x on dining at restaurants, including takeout and delivery in the U.S.
2x on groceries at U.S. supermarkets.
1x on other eligible purchases.
Rewards are earned as Delta SkyMiles.
Learn more:
Compare this card to the other Delta credit cards or see all Delta credit card welcome bonuses.
Delta SkyMiles® Platinum American Express Card welcome bonus
Learn how to apply.
Annual fee: annual_fees
(See Rates and Fees)
Delta SkyMiles® Platinum American Express Card welcome bonus
bonus_miles_full
Get this card if you want an annual companion certificate every year after your first cardmember anniversary.
More about this card
Benefit highlights:
Annual Main Cabin companion certificate.
MQM Headstart.
MQD Boost.
$150 Delta Stays credit.
$120 Resy credit. Enrollment required.
$120 rideshare credit. Enrollment required.
First checked bag free.
TakeOff 15.
Fee credit for Global Entry or TSA Precheck®
Rewards:
3x on Delta purchases made directly with Delta.
3x at hotels, on purchases made directly with hotels.
2x on dining at restaurants worldwide, including takeout and delivery in the U.S.
2x on groceries at U.S. supermarkets.
1x on other eligible purchases.
Rewards are earned as Delta SkyMiles.
Learn more:
Compare all of the Delta credit cards or check out our article on every Delta credit card welcome bonus.
Delta SkyMiles® Reserve American Express Card welcome bonus
Learn how to apply.
Annual fee: $650
(See Rates and Fees)
Delta SkyMiles® Reserve American Express Card welcome bonus
bonus_miles_full
This is the card to get if you want access to the Delta SkyClub.
More about this card
Benefit highlights:
Annual first class companion certificate upon renewal.
MQD Headstart.
MQD Boost.
$240 Resy credit.
Complimentary Delta Sky Club® Access.
Rideshare credit. (Enrollment required.)
TakeOff 15.
Fee credit for Global Entry or TSA Precheck®
Rewards:
3x on Delta purchases made directly with Delta.
1x on other eligible purchases.
Rewards are earned as Delta SkyMiles.
Learn more:
Compare the Delta Reserve card against other Delta Amex cards in our overview of Delta credit cards.
Delta SkyMiles® Gold Business American Express Card welcome bonus
card_name welcome bonus:
bonus_miles_full
Click here to learn more and apply.
Our take on the welcome bonus: The current welcome offer is the business-as-usual offer. You’ll earn more SkyMiles with the welcome bonus on the Delta SkyMiles® Gold Business American Express Card than you will with the Delta SkyMiles® Gold American Express Card, so this is probably the better offer.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
Delta SkyMiles® Gold Business American Express Card at a glance:
Annual fee: $0 intro annual fee for the first year, then $150.
Rewards: 2x on Delta purchases. 2x at restaurants. 2x on up to $50k of U.S. purchases for advertising in select media. 2x on up to $50k of U.S. shipping purchases. 1x on other eligible purchases.
Benefits: First checked bag free. $200 Delta flight credit after $10k in purchases in a year. Up to $150 annually in Delta Stays credits.
Delta SkyMiles® Platinum Business American Express Card welcome bonus
card_name welcome bonus:
bonus_miles_full
(See Rates and Fees)
Click here to learn more and apply.
Our take on the welcome bonus: The current welcome bonus is the business-as-usual offer on this card.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
Delta SkyMiles® Platinum Business American Express Card at a glance:
Annual fee: $350.
Rewards: 3x on Delta purchases and eligible hotel purchases. 1.5x on single eligible purchases of $5k or more (terms and mile cap apply.) 1.5x on up to $100k of eligible transit. 1x on other eligible purchases.
Benefits: First checked bag free. Annual Main Cabin companion certificate upon renewal. MQD Headstart. MQD Boost
Delta SkyMiles® Reserve Business American Express Card welcome bonus
card_name welcome bonus:
bonus_miles_full
(See Rates and Fees)
Click here to learn more and apply.
Our take on the welcome bonus: The current welcome bonus is the business-as-usual offer on this card. For the amount of SkyMiles you get, the spending requirement is quite high. Unless you’re getting this card specifically for its suite of benefits, going for the welcome bonus on the Delta SkyMiles Gold Business card is probably a better bet.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
Delta SkyMiles® Reserve Business American Express Card at a glance:
Annual fee: $650.
Rewards: 3x on Delta purchases. 1.5x on U.S. shipping, U.S. office supply stores, and eligible transit. 1.5x on eligible purchases for the rest of the year after you spend $150,000 on your card. 1x on other eligible purchases.
Benefits: Sky Club access. Annual first class companion certificate upon renewal. MQD Headstart. MQD Boost.
A few notes on applying for American Express credit cards
Here are a few things that you should know about applying for American Express cards.
- Amex will let you know if you’re ineligible for the new cardmember welcome offer when applying. If you don’t qualify for a welcome offer for any reason, American Express will inform you during the application process and let you withdraw your application before they perform a “hard pull” on your credit report. If you withdraw your application, the withdrawn application will have no impact on your credit score.
- No hard pull if they deny you. If Amex denies your credit card application, they usually won’t issue a hard pull on your credit report. This means that your credit score won’t decrease because of the denied application.
- One welcome offer per card per “lifetime”. Most Amex card terms say that you’re ineligible for a welcome offer if you’ve ever had the card before. Some targeted offers do not have this lifetime language. Readers and other blogs have reported that Amex may internally define “lifetime” as 7 years—if it’s been 7 years since you’ve had a card, you might be eligible to get a welcome offer again.
- Some cards allow one welcome offer per card “family”. Some American Express cards, like the personal Platinum card or the Charles Schwab Platinum card have language that prohibits you from earning a welcome bonus if you’ve ever had a card from the same card family before.
- Maximum 5 Amex credit cards and 10 pay-over-time cards. You can have a maximum of 5 American Express credit cards at one time. In addition, you can hold up to 10 American Express pay-over-time cards (like the Platinum, Gold, and Green cards.) These limits are known to occasionally be flexible for some cardmembers, some of the time.
- You might be able to get a better welcome offer than the public offer. American Express offers some customers targeted offers. See our post on how to get the best welcome offers from American Express and try those methods before applying for an American Express card. You might be able to get an elevated welcome offer.
- Check your application status online. You can check the status of your American Express card application online through the Amex website.
Rates and fees for Delta Air Lines credit cards
- For rates and fees of the Delta SkyMiles® Blue American Express Card, please visit this link: See Rates and Fees; terms apply
- For rates and fees of the Delta SkyMiles® Gold American Express Card, please visit this link: See Rates and Fees; terms apply
- For rates and fees of the Delta SkyMiles® Platinum American Express Card, please visit this link: See Rates and Fees; terms apply
- For rates and fees of the Delta SkyMiles® Reserve American Express Card, please visit this link: See Rates and Fees
- For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please visit this link: See Rates and Fees
- For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please visit this link: See Rates and Fees
- For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this link: See Rates and Fees
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
