Delta SkyMiles® Blue American Express Card review

Bankrate Staff  in  Airline How we rate our cards  | 

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

American Express Image

Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On American Express's secure website

Best Delta 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

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 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 monthly spending.

Rewards

The American Express Delta SkyMiles Blue Card has a straightforward reward system. You earn 2X miles 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.

Other redemption options include transferring, gifting and donating miles.

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 a Pay It, Plan It option that can help cardholders pay for large purchases. Large payments can be split up into as many as 10 payments with a fixed monthly fee over a period of time.

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.

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 Venture 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.
Wells Fargo Propel American Express® card 3X points on dining, gas station, ride-share, transit, flight, hotel, homestay, car rental and popular streaming service purchases; 1X points on all other purchases $0 20,000 bonus points after spending $1,000 in purchases within the first three months.

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

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 of 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 Wells Fargo Propel American Express Card and 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.