Best Delta Credit Cards of May 2022

SkyMiles do not expire and can be redeemed toward flights, vacation packages, hotel stays, gift cards and even charity donations.
This line of co-branded airline cards includes a choice of four consumer credit cards and three business credit cards. Consumer options range from a basic card with no annual fee to a premium card with luxury perks, and each one has a welcome offer to earn bonus miles after you meet a spending requirement.

A Delta SkyMiles credit card could be right for you if:

Evaluate which card features are most important to you and how much value you can get from each card to choose the best Delta SkyMiles credit card. You might be willing to pay for free checked bags because of the savings or early boarding because of the convenience, for instance.

Here is a look at how the Delta credit card offers compare to help you choose the right card.

Take a look at alternatives to a Delta credit card if you think you might prefer the flexibility to earn miles and redeem rewards with more than one carrier. A general travel credit card earns rewards for everyday and travel purchases, and many cards include solid travel benefits. Consider whether one of these could be a better fit:

This card earned U.S. News’ Best Credit Cards Award of 2022 in the cash back credit card category, and for good reason. Chase Freedom Unlimited offers 5% cash back on travel booked through the Chase Ultimate Rewards portal; 3% back on dining and drugstore purchases; and 1.5% back on all other purchases. Cardholders also earn a 1.5% bonus the first year on up to $20,000 in purchases, worth $300 cash back. The card comes with a 15-month 0% introductory annual percentage rate on purchases and balance transfers and charges no annual fee.

The Capital One VentureOne Rewards Credit Card received U.S. News’ Best Credit Cards Award of 2022 for travel credit cards. Open a card and spend $500 on it in the first three months to earn 20,000 bonus miles, worth $200 in travel. This card earns unlimited 1.25 miles per dollar on every purchase, plus 5 miles per dollar on hotels and rental cars booked through the Capital One Travel portal. Cardholders get a 15-month 0% introductory APR on purchases and balance transfers and pay no annual fee.

This premium travel credit card carries a hefty $695 annual fee but could pay for itself if you are a frequent traveler and will use the benefits. You can earn 100,000 Membership Rewards points after you spend $6,000 on the card in the first six months. Cardholders get five points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year and five points per dollar on prepaid hotels booked with American Express Travel. The Platinum Card from American Express comes with a long list of credits, such as a $200 annual airline fee credit, a $200 yearly credit on certain hotels, and up to $200 in savings on Uber rides and Uber Eats food delivery.

U.S. News has helped consumers make money decisions for decades. When we rate airline cards, we factor in overall issuer satisfaction, APR, cardholder benefits, and each card’s annual fee, foreign transaction fee and balance transfer fee. We also consider several factors related to rewards: ease and flexibility of redemption, airline rewards earning rate, rewards redemption value and sign-up bonus value. Satisfaction data is based on an annual nationwide survey.

Delta Reserve® Credit Card, Delta Reserve for Business Credit Card:

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Platinum Delta SkyMiles® Credit Card, Platinum Delta SkyMiles®:

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Delta Reserve® Credit Card, Delta Reserve for Business Credit Card:

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Gold Delta SkyMiles® Credit Card, Platinum Delta SkyMiles® Business Credit Card, Gold Delta SkyMiles® Business Credit Card, Blue Delta SkyMiles® Credit Card:

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

Delta Reserve for Business Credit Card, Platinum Delta SkyMiles® Credit Card, Delta Reserve® Credit Card

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

Delta Reserve® Credit Card, Platinum Delta SkyMiles® Credit Card, Delta Reserve for Business Credit Card, Platinum Delta SkyMiles® Business Credit Card

Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.

Delta Reserve® Credit Card, Platinum Delta SkyMiles® Credit Card, Gold Delta SkyMiles® Credit Card, Blue Cash Preferred® Card, Blue Delta SkyMiles® Credit Card, Delta Reserve for Business Credit Card, Platinum Delta SkyMiles® Business Credit Card, Gold Delta SkyMiles® Business Credit Card:

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

Delta Reserve® Credit Card, Delta Reserve for Business Credit Card, Plum Card®:

With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Delta Reserve® Credit Card, Delta Reserve for Business Credit Card:

Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.

Blue Delta SkyMiles® Credit Card, Platinum Delta SkyMiles® Business Credit Card, Gold Delta SkyMiles® Business Credit Card, Platinum Delta SkyMiles® Credit Card, Gold Delta SkyMiles®:

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Delta Reserve® Credit Card, Platinum Delta SkyMiles® Credit Card, Gold Delta SkyMiles® Credit Card, Delta Reserve for Business Credit Card, Platinum Delta SkyMiles® Business Credit Card, Gold Delta SkyMiles® Business Credit Card:

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Delta Reserve for Business Credit Card:

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Delta Reserve® Credit Card, Platinum Delta SkyMiles® Credit Card, Gold Delta SkyMiles® Credit Card, Blue Delta SkyMiles® Credit Card, Platinum Delta SkyMiles® Business Credit Card, Gold Delta SkyMiles® Business Credit Card:

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.