We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money.

Best Delta credit card offers (And how to pick the right one for you)

  • Meghan Hunter

    • Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money.

    Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers.

    If you’re looking to enhance your flying experience with Delta, you’ll be happy to know that great perks like annual companion certificates, priority boarding and free checked bags are all within reach. You can choose from several Delta credit cards, each of which offers different types of benefits that can enhance your flying experience and also save you time and money. And even better, due to the uncertainty surrounding the coronavirus pandemic, Delta has made a number of customer-friendly moves with regards to these credit card perks.

    Best Delta credit cards

    How we choose the best Delta credit card

    It’s important to get value out of a card in the long run, and it’s helpful when you can earn a welcome bonus to quickly see value out of a card. Here are a few of the things we look at when choosing the best Delta credit cards:

    Welcome offer: A strong welcome offer can quickly give you a large enough stash to take a luxury vacation on short notice. We like cards with valuable welcome offers because you can quickly come out ahead with tremendous value, especially on a card that carries an annual fee.

    Rewards for everyday purchases: We prefer cards that offer the ability to steadily rack up rewards on everyday purchases. If you choose one that earns rewards to match your daily spending patterns, it’s an especially great way to steadily accumulate points for your next trip.

    Perks and benefits: This can be one area packed with value that is sometimes overlooked. We like perks that can not only save you money like free checked bags but can also enhance your flying experience, like airport lounge access and priority boarding.

    With the best Delta credit cards, you can enhance your flying with perks like access to Delta Sky Club airport lounges. (Photo by YMZK-Photo/Shutterstock).

    Delta SkyMiles® Gold American Express Card

    The Delta SkyMiles Gold card has an intro offer of 70,000 bonus miles after you spend $2,000 in purchases on your new card in your first three months of card membership.

    Why this card is best for occasional Delta flyers

    This is a good option for those who occasionally fly Delta because of the card’s very maneagle annual fee and number of valuable perks.

    You don’t want to forget about the Amex Delta Gold card’s benefits and perks because they can save you quite a bit of money as well. For instance, you and up to eight additional traveling companions can receive free checked bags if you’re all on the same Delta flight reservation. With checked bag fees typically starting around $30 per bag, this could amount to a significant amount of savings for everyone.

    You can also receive a 20% savings in the form of a statement credit after you use your card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

    And if you don’t like waiting to board the plane, you’ll be happy to hear that Amex Delta Gold cardmembers receive priority boarding, so you’ll have more time to find storage for your bags and get settled in without feeling rushed.

    Why we like it

    The card offers a $0 introductory annual fee for the first year; then $99 (see rates and fees), you can easily make the fee worthwhile, especially when you consider the value of the welcome offer alone. And when you consider the ability to earn daily rewards for your purchases and the other perks on the card that can save you time and money, this card is a no-brainer.

    Who is this card for

    If you’re not sure you travel enough to make enough use of these perks, this is a great card to start with. The card carries a very reasonable annual fee.

    Pros and cons

    Pros:

    Cons:

    Delta SkyMiles® Gold Business American Express Card

    With the Delta SkyMiles Gold Business credit card, you can earn 75,000 bonus miles after spending $3,000 in purchases on your new card in your first three months of card membership.

    Why this card is best for occasional Delta flyers

    Much like the personal version of this card, the Delta Gold business card is the best option for occasional Delta flyers because of its low annual fee and useful benefits. 

    Why we like it

    The Delta SkyMiles Gold business card’s benefits and perks are similar to the personal version of the card, as you and up to eight additional traveling companions can receive free checked bags if you’re all on the same Delta flight reservation. You’ll also receive priority boarding and 20% savings in the form of a statement credit after you use your card on select in-flight purchases on Delta flights.

    Given the value of the welcome offer and perks, the Delta SkyMiles Gold Business card is definitely worth it. The card offers a $0 introductory annual fee for the first year; then $99 (see rates and fees), so you have plenty of time to use the card to make sure it’s right for you, even if you’re not entirely sure.

    Who is this card for

    If you’re a business owner, this is a great way to separate your business expenses, making it a lot easier to find deductions when you file your taxes. Plus, you’ll receive virtually the same benefits as the personal version of the card, like free checked bags and inflight savings.

    Pros and Cons

    Pros:

    Cons:

    Delta SkyMiles® Platinum American Express Card

    The Delta SkyMiles Platinum Amex card has a welcome offer 90,000 bonus miles after you spend $3,000 in purchases on your new card in your first three months of card membership.

    In addition to earning the welcome offer, you can continue to get great value from the card by using it for your daily purchases. You’ll earn:

    Why this card is best for annual companion certificate

    The Delta SkyMiles Platinum benefits go beyond just the bonus miles. Each year when you renew the card, you will receive a companion certificate that allows you to add another passenger to a domestic round-trip flight reservation for only the cost of taxes and fees.

    Why we like it

    You can save more money on checked bag fees because as a cardmember, you and up to eight additional traveling companions can also receive free checked bags if you’re all on the same Delta flight reservation. Checked bags generally cost $30 each way ($60 round-trip per person), so if you’re traveling with a large group, you could end up saving as much as $540 for a round-trip flight.

    If you’re looking for a relaxing airport experience, you’ll also receive priority boarding and discounted Delta Sky Club airport lounge access. You can also receive inflight savings of 20% off eligible inflight purchases when you pay with the card.

    The Amex Delta SkyMiles Platinum annual fee of $250 (see rates and fees) can be worth it if you fly just a few times with Delta each year. The welcome offer alone is more than enough to make the annual fee worthwhile, and perks like the companion certificate, free checked bag perk, inflight savings and discounted Delta Sky Club access give you plenty of opportunities to get tons of value out of the card.

    Who is this card for

    If you fly even a small handful of times with Delta, you can get incredible value from this card. The value of the welcome offer alone makes the annual fee worthwhile, not to mention other perks like the annual companion certificate and free checked bags.

    Pros and cons

    Pros:

    Cons:

    Delta SkyMiles® Platinum Business American Express Card

    When you open the Amex Delta SkyMiles Platinum business card, you can earn 100,000 bonus miles after you spend $4,000 in purchases on your new card in your first three months of card membership.

    You’ll also earn the following for your everyday spending:

    Why this card is best for an annual companion certificate

    Just like the personal version of the card, the Delta SkyMiles Platinum business card benefits include an annual companion certificate each year upon renewing the card which is valid for round-trip main cabin domestic travel. You’ll also get your first checked bag free for you and up to eight companions traveling on the same Delta flight reservation (a savings of $30 per bag per person), 20% inflight savings, and discounted Delta Sky Club airport lounge access.

    Why we like it

    The Delta SkyMiles Platinum business card’s annual fee of $250 (see rates and fees) can be worth it for some people. The welcome offer alone, for instance, is worth several hundred dollars, and perks like free checked bags could also save you hundreds of dollars if you travel with a large group of people.

    Who is this card for

    If you’re a business owner who flies frequently with Delta, this card is certainly worth considering. You can easily get more value out of the card than the annual fee thanks to the welcome offer and perks like free checked bags and an annual companion certificate.

    Pros and Cons

    Pros:

    Cons:

    Delta SkyMiles® Reserve American Express Card

    The Delta SkyMiles Reserve card has an intro offer of 100,000 bonus miles after you spend $5,000 in purchases on your new card in your first three months of card membership.

    Plus, you’ll earn the following for your everyday purchases:

    Why this card is best for frequent Delta flyers

    The Delta SkyMiles Reserve card benefits are top-notch for Delta flyers. For starters, you receive complimentary access to Delta Sky Club lounges worldwide, so you’ll be able to enjoy free food and drinks and a quiet place to relax before your flight. Depending on the location, you might even be able to enjoy a shower or spa.

    Delta SkyMiles Reserve cardmembers will also receive priority boarding, so you have more time to get settled in and find space to store your bags.

    Why we like it

    You’ll also be treated to a number of other money-saving perks, like free checked bags on Delta flights, an annual companion certificate and 20% savings on select inflight purchases.

    Although the Delta SkyMiles Reserve card annual fee of $550 (see rates and fees), this is still well worth it for frequent Delta flyers given the value of the welcome offer and perks like the annual companion certificate, priority boarding, free checked bags, Delta Sky Club lounge access and more.

    Who is this card for

    If you frequently fly on Delta, this is one of the best cards you can pick up if you’re looking for a premium Delta flying experience.

    Pros and cons

    Pros:

    Cons:

    Delta SkyMiles® Reserve Business American Express Card

    When you open the Delta SkyMiles Reserve Business card, you can earn 110,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first three months of cards membership.

    You’ll also earn:

    Why this card is best for frequent Delta flyers

    The Delta SkyMiles Reserve Business card benefits are similar to what the personal version has. You’ll receive an annual companion certificate, along with free checked bags on Delta flights, complimentary Delta Sky Club access, priority boarding and inflight savings.

    Why we like it

    The Delta SkyMiles Reserve Business card’s annual fee of $550 (see rates and fees) can be worth it if you frequently fly Delta, you can definitely make this fee worth it thanks to the value of the welcome offer and perks like the annual companion certificate, complimentary Delta Sky Club access, free checked bags, priority boarding, inflight savings on Delta flights and more.

    Who is this card for

    If you’re eligible as a business owner and frequently fly on Delta pretty consistently, this is one of the best cards out there if you’re looking for a premium flying experience.

    Pros and cons

    Pros:

    Cons:

    Extension of benefits due to COVID-19

    Due to the ongoing pandemic, Delta is extending its customers’ status through Jan. 31, 2022, and your 2020 Medallion Qualification Miles (MQMs) will roll over to 2021 (helping you qualify for 2022 status).

    Plus, Delta is offering a second set of Choice Benefits for this lengthened year of status.

    Delta has also made exceptions for members taking advantage of elite status challenges. If you’ve registered for one of these promos but are unable to earn (or retain) Delta status due to the novel coronavirus travel shut down, you can simply begin another challenge after things are back to normal. And if you were gifted temporary status during the elite status challenge, Delta will even let you keep that status until the promo period has passed.

    For rates and fees of the Delta SkyMiles Gold Amex card, click here.

    For rates and fees of the Delta SkyMiles Gold Business Amex card, click here.

    For rates and fees of the Delta SkyMiles® Platinum American Express Card, please click here.

    For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.

    For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here.

    For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here.

    Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)