Delta SkyMiles® Blue American Express Card review

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Best airline card with no annual fee

Annual Fee:
$0
Purchase Intro APR:
N/A
Regular APR:
15.74%-24.74% Variable
Terms and Restrictions Apply | Rates and Fees

Bankrate Rating

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

 

Best for Delta travel perks at no annual fee

  • Rewards rate: Earn 2X miles for every dollar spent at restaurants worldwide and Delta purchases and 1X miles for every dollar spent on other eligible purchases
  • Welcome offer: 10,000 bonus miles upon spending $500 or more within the first three months
  • Annual fee: $0
  • Purchase intro APR: N/A
  • Balance transfer intro APR: N/A
  • Regular APR: 15.74 percent to 24.74 percent variable

The Delta SkyMiles® Blue American Express Card is one of the best American Express credit cards for loyal Delta customers. With good reward opportunities and an attractive welcome offer, it is hard to believe that this travel card has no annual fee.

Current welcome offer

The intro bonus offered by the Blue Delta SkyMiles credit card only requires spending $500 in your first three months to earn a 10,000-mile bonus. Most cardholders can probably hit this spending requirement without having to increase their usual monthly spending.

Rewards

The American Express Delta SkyMiles Blue Card has a straightforward reward system. You earn 2X Delta SkyMiles for every dollar spent at restaurants worldwide and on eligible Delta purchases, with a 1X mile reward for every dollar spent on other eligible purchases.

Earning rewards

Although this American Express Delta card accepts purchases from restaurants worldwide, it doesn’t always include restaurants inside other establishments. Additional miles don’t apply to restaurants inside hotels, casinos or other event venues. This also applies to purchases at convenience stores, bars, nightclubs, supermarkets and similar establishments.

You can also earn 2X miles from Delta purchases and eligible transactions at Delta.com. This includes Delta flights and in-flight purchases such as food, audio headsets and alcoholic beverages. Only Delta Vacations packages are included as eligible Delta purchases—other all-inclusive packages are excluded.

Redeeming rewards

Cardholders can redeem their miles through the Delta SkyMiles rewards program. You can purchase flights, Delta Vacation packages, Sky Club membership and seat upgrades, or book flights with Delta SkyMiles partners. You may redeem these rewards using the Delta app or website and ticket counters. If you don’t have enough miles to cover your reward flight, you can also use cash to cover the difference.

Other redemption options include transferring, gifting and donating miles.

How much are rewards worth?

Delta SkyMiles don’t have a set value or award chart. Instead, Delta uses a dynamic pricing scale that factors in the time of year, distance and airline(s) involved to see how valuable your points are worth toward specific reward flights. On average, The Points Guy’s latest valuation estimates each Delta SkyMile to be worth 1.1 cents.

Benefits

For a credit card that doesn’t charge any annual fee, the benefits are pretty decent and can provide valuable benefits for card owners.

Discount on in-flight purchases

The Blue Delta SkyMiles credit card provides a 20 percent discount on in-flight purchases. Such purchases include food, beverages and audio headsets.

Flexible payment options

American Express Delta has the Pay It Plan It tool that can help cardholders pay for large purchases using alternate payment plans. Large payments can be split up into as many as 10 payments with a fixed monthly fee over a period of time. Your plans won’t charge interest, but you should calculate whether the fixed payment fee will cost more than the potential interest would.

Travel perks

With the American Express Delta SkyMiles Blue Card, you can benefit from travel perks like insurance for car rental loss or damage and travel accidents. You also have access to the 24/7 Global Assist Hotline if you travel more than 100 miles away from home.

Rates and fees

Among the best Delta Air Lines credit cards, the Blue Delta SkyMiles credit card offers no annual fee with excellent reward potential. You can also benefit from $0 foreign transaction fees. It charges a variable APR of 15.74 percent to 24.74 percent. Unfortunately, it doesn’t offer any zero-interest periods if you needed to transfer your balance or plan for a large purchase.

How the Delta SkyMiles Blue American Express Card compares to other travel cards with no annual fee

If you’re an infrequent flyer or don’t exclusively fly Delta, the Delta SkyMiles Blue American Express credit card may not be for you. It offers no annual fees, but also lacks some of the perks of other credit cards. But if you’re a frequent flyer and a loyal fan of Delta flights, this card can be hard to beat.

That said, other airline credit cards are worth considering. The Capital One VentureOne Rewards Credit Card has a better welcome offer compared to the other two cards and provides users with 1.25 reward miles for every dollar spent. For people who could benefit from a flat-rate card, the VentureOne card’s rewards can be lucrative.

Card name Rewards rate Annual fee Welcome offer
Capital One VentureOne Rewards Credit Card Unlimited 1.25X miles on all purchases $0 20,000 bonus miles after spending $500 in purchases within the first three months
Bank of America® Travel Rewards credit card Unlimited 1.5X points on all purchases $0 25,000 bonus points after spending $1,000 in purchases within the first 90 days
Discover it® Miles Unlimited 1.5X miles on all purchases $0 All miles earned within the first 12 months will be matched

Best cards to pair with the Delta SkyMiles Blue American Express Card

Since the Delta SkyMiles Blue card only earns rewards on restaurant and Delta purchases, the best card combinations will reward you for other travel expenses and your biggest spending categories while you’re home.

This makes almost any rewards credit card a solid partner. You can keep it simple and cover all your bases with a flat-rate cash back card, or you can transfer points from another American Express card to Delta. The Amex® EveryDay Preferred Credit Card would be a great choice to earn points on your everyday purchases between trips, for example.

Bankrate’s Take—Is the Delta SkyMiles Blue American Express Card worth it?

Considering the benefits available with no annual fee, the Delta SkyMiles Blue American Express credit card is worth considering if you’re loyal to Delta but don’t travel enough to take advantage of the perks on a more premium Delta SkyMiles card.

Pros

  • $0 annual fee
  • No foreign transaction fees
  • Delta miles don’t expire
  • 20 percent savings for eligible in-flight purchases

Cons

  • Rather small intro offer
  • Only Delta purchases and restaurant purchases have a high reward rate
  • No free checked bag or priority boarding

The information about the Amex EveryDay Preferred Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

about the author
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit ...
about the editor
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate.com, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and...