Blue Delta SkyMiles® Credit Card from American Express

Madison Blancaflor  in  Airline Advertising Disclosure
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Recommended Credit Score

Excellent (740 - 850)

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Best for Delta SkyMiles members

Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
17.99%-26.99% Variable
Terms and Restrictions Apply | Rates and Fees
Bankrate Score: 82 out of 100

Commonly used for: Airline, Good Credit, No Annual Fee, Rewards, Travel.

Editor’s note: some of the offers on this page are no longer available. 

With no annual fee (See Rates & Fees), a good rewards rate and American Express benefits, this card is a solid option for SkyMiles users looking for a beginner travel card.

Review

The Blue Delta SkyMiles® Credit Card is the first tier of four SkyMiles® Credit Cards offered by American Express, offering 2 miles per dollar at US restaurants, 2 Miles per dollar spent on purchases made directly with Delta and 1 Mile on every eligible dollar spent on other purchases. While this is certainly not the most premier card for travelers experienced in the points and miles game, it’s a solid beginner card for loyal Delta SkyMiles® users who are looking for a low maintenance card to help them earn SkyMiles.

As with all American Express credit cards, the Blue Delta SkyMiles® Credit Card grants cardholders some great perks, including purchase protection, free roadside assistance and fraud protection. One of the newer benefits available to American Express cardholders is the Pay It Plan It option, which allows larger purchases to be spread out over three, six or nine months with a fixed monthly fee in lieu of interest charges.

Compared to the second-tier option for Delta SkyMiles® cards, this credit card actually offers a better rewards rate due to its lack of an annual fee– especially considering that there’s no cap on how many miles you can earn. However, it doesn’t offer a few of the premium travel perks of its Gold, Platinum and Reserve counterparts.

The introductory offer is also pretty meager compared to the other Delta SkyMiles® cards and other comparable cards. New cardholders earn 10,000 bonus miles after spending $500 in purchases on the card in their first 3 months of Card Membership. While that bonus might be attractive for users who aren’t looking to spend more than a few hundred dollars each month on the card, higher spenders and frequent fliers stand to benefit more from a more premium travel card.

SkyMiles® in and of itself is also a factor when discussing the merits of any of the SkyMiles® Credit Cards. While miles never expire, Delta has a tendency to be fickle about the number of miles it takes to pay for an award flight. A vast range of SkyMiles can be required for the same route from day to day, making it difficult to ensure you’re getting the most out of your miles. However, if you are a seasoned Delta flier, using SkyMiles is a relatively easy way to pay for flights, seat upgrades and more. If you’d like to know more about how to take advantage of SkyMiles, check out our Delta SkyMiles frequent flyer guide.

The bottom line: Both seasoned travelers and newbies to the points and miles game have better travel credit card options available, but the mix of American Express benefits, a good rewards rate and no annual fee can make this an attractive starter card for a loyal Delta flier who falls into a lower spending category.  

Who should get this card

The Blue Delta SkyMiles® Credit Card is a good option for Delta fliers who are looking for an easy-to-use card with no annual fee. More seasoned Delta loyalists may want one of the more premium SkyMiles® Credit Cards with a more lucrative introductory offer, and beginner travelers should consider a more flexible travel rewards card.

Advantages
  • This card has no annual fee, which is becoming more and more unusual in travel credit cards.
  • Cardholders receive a 20% savings in the form of a statement credit after using the card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • No blackout dates for Delta awards flights make it easy to redeem miles for your next trip.
  • This card also comes with some pretty great American Express benefits such as purchase protection, extended warranty on eligible purchases, exclusive access to entertainment ticket presales and more.
Disadvantages
  • Delta award flights can be worth a constantly fluctuating number of SkyMiles®, making it difficult for cardholders to maximize rewards.
  • The introductory offer is only 10,000 miles after $500 spent in the first three months of Card Membership, making it pretty measly compared to other travel cards.
  • There is a foreign transaction fee, so cardholders will probably want to use a different travel credit card while abroad.

Fees & APR

  • No annual fee.
  • Variable 17.99% to 26.99% based on creditworthiness.
  • The balance transfer fee is $5 or 3% of each transfer, whichever is higher.
  • There is a 2.7% foreign transaction fee on each purchase after the conversion to USD.
  • See all Rates & Fees.

Extras, perks and using rewards

If you’ve been looking for a simple card for earning and burning SkyMiles®, this is a solid card for your wallet. You’ll earn 10,000 after only $500 in purchases in your first three months of Card Membership, and there are no blackout dates when booking your next Delta trip.

On Delta flights, cardholders can receive a 20% savings in the form of a statement credit after using the card on eligible Delta in-flight purchases of food, beverages, and audio headsets. Other travel perks include car rental loss and damage insurance, plus 24/7 access to the Global Assist Hotline when you travel more than 100 miles from home.

Cardholders can benefit from American Express perks– extended warranty on eligible purchases, return protection, purchase protection and entertainment access to ticket presales and Card Member-only events. American Express cardholders also have flexible payment options with Pay It Plan It.

How this card compares

JetBlue Card

JetBlue Card
  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn and share points together with Family Pooling
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Credit Needed

Regular APR

12.99%, 20.99% or 25.99% variable

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfers Intro APR

0% for 12 months (on balance transfers made within 45 days of account opening)

  • Earn 10,000 bonus points after spending $1,000 within the first three months, plus 3x points on JetBlue purchases, 2x points at restaurants and grocery stores and 1x points on all other purchases.
  • No annual fee, no foreign transaction fee, family pooling and no blackout dates on JetBlue-operated award flights.

The JetBlue Card is an alternative option for those who want a no annual fee travel card but aren’t loyal to Delta.

For rates and fees of the Blue Delta Skymiles® Credit Card from American Express, please click here.