American Express Delta SkyMiles

Regular APR: 13.24%
Introductory APR: NA
Annual Fee: $95 (First Year Free)
Card Strength: Delta SkyMiles
Credit Needed: Excellent

Earn 1 mile for almost every dollar spent — plus get up to 25,000 bonus miles, enough for a total of $250 off Delta flights.

  • Earn 20,000 bonus miles the first time you make a purchase
  • Earn one mile for every eligible dollar on virtually every other purchase
  • Pay-with-Miles feature allows you to redeem miles for any Delta seat at any time at Delta.com

Intro Offer Up to 25,000 bonus SkyMiles® with first purchase
Interest Rate N/A

13.24% on purchases
Annual Fee No annual fee for the first year, then $95 thereafter
Balance Transfer 9.99% for 12 months, regular APR thereafter

Finance charges may apply to balance transfers requested after initial application.
Rewards Details

  • Earn 20,000 bonus miles the first time you make a purchase
  • Earn one mile for every eligible dollar on virtually every other purchase
  • 5,000 bonus miles when you add two Additional Cards to your account
  • Use the Pay with Miles benefit to pay for all or part of your flight with miles – and put the rest on your Card. Start redeeming with just 10,000 miles for $100 dollars off any Delta flight with no blackout dates or seat restrictions
  • SkyMiles never expire

Grace Period 20 days for purchases if previous balance paid in full
Other Fees Late Payment Fee: Subject to applicable law, $19 on balances less than $400 and $38 on balances $400 or greater. Overlimit Fee: $35, subject to applicable law.
Additional Benefits

  • Global Assist┬« Hotline: Whenever you travel more than 100 miles from home, we’ll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more

Online Account Management Yes
Consumer Protection

  • Fraud Protection Guarantee means you’re not responsible for unauthorized charges
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you arrive late, or the hotel will provide you with a comparable room nearby, along with transportation to your new location
  • Travel Accident Insurance: Provides up to $100,000 in accident insurance while traveling

In Short: The best card for you if you have excellent credit and fly Delta Airlines often.


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