Delta Credit Card Review

Delta Credit Card Review
Lauren Ward
on March 23, 2020
Read in 2 min

The Gold Delta Skymiles credit card is issued by American Express and comes with a comprehensive travel rewards program.

You’ll need good to excellent credit in order to qualify.

But if you’re on top of your credit score and love to fly using Delta, you can reap some pretty strong rewards using the Delta credit card.

Delta Credit Card Account Basics

This card comes with average rates and fees along with frequent sign-up bonuses.

You’ll be able to take advantage of these extra rewards points as long as you’re a new cardholder.

Know that it can take some time to receive your card in the mail.

If you’re planning a trip using the sign-up bonus miles, be sure to take into account the time it takes to get the card, spend and pay off your qualifying balance, and have the points hit your account.

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Expect an APR ranging between 17.24% to 26.24% with this card.

There is a $0 introductory annual fee the first year, vs the $95 annual fee for each subsequent year.

If you want to transfer an existing credit card balance, you’ll be charged 3%.

You’ll also pay a cash advance rate of 26.24%.


First off, the card often comes with a promotional offer.

For instance, as of July 2, 2019, you could qualify for 50,000 bonus miles as long as you spend $2,000 on your card within three months of opening your account.

You’ll also get a $50 statement credit if you use the card to make a Delta purchase within the same time period.

On top of any promotional offer you receive, you’ll also earn rewards points, which can result in lots of savings if you like to travel.

Here’s how the program breaks down:

You’ll earn a mile for every purchase you make using your card, but if you spend money on Delta purchases, your rewards double to two miles per dollar spent.

Another perk is that you get to check your first bag for free on Delta flights, as well as priority boarding.

Account Limitations

There are a few limitations when it comes to using a credit card from Delta.

While there’s the potential for bonus rewards points when you open your account, you won’t receive a purchase intro APR or transfer intro APR.

If you don’t travel frequently or don’t live near an airport with a Delta hub, this probably isn’t the best card for you.

You should really be loyal to the Delta brand to make this a worthwhile card.


This Delta credit card is a great fit for frequent fliers who like to receive perks from the same brand.

Even with the annual fee, you could easily make that up in baggage fees alone if you fly a few times a year.

Simply weigh your benefits with the few costs associated with this card to make sure it’s the right decision for you.

If it is, then you’re on your way to happier travels.

Lauren Ward Finance Journalist

Lauren Ward is a freelance content writer focusing on personal finance, real estate, and lending.

Her work has been featured on Huffington Post, CBS News, and Kiplinger.

She previously worked at the Federal Reserve Bank of Richmond as well as several national non-profit organizations.

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