The Delta SkyMiles® American Express card stands out as a premier travel credit card, tailored for frequent flyers and Delta enthusiasts seeking to maximize their travel rewards. With a robust set of benefits and opportunities to earn miles on everyday purchases, this card offers a pathway to unforgettable travel experiences.
Boasting a generous welcome offer, new cardholders can earn 65,000 bonus miles after spending $3,000 on purchases within the first 6 months of membership. This offer, coupled with the ability to earn miles on Delta purchases, dining, and groceries, makes it an enticing option for those looking to accelerate their miles accumulation.
Key information about the Delta SkyMiles® American Express card

The Delta SkyMiles® American Express card is a travel-focused credit card designed to enhance the flying experience with Delta Air Lines. It features a $0 introductory annual fee for the first year, followed by a $150 annual fee thereafter. Cardholders can earn 2X miles on purchases made directly with Delta, at U.S. supermarkets, and on dining, including takeout and delivery in the U.S.
Additionally, the card offers a generous welcome offer of 65,000 bonus miles after spending $3,000 on purchases in the first 6 months. Travel perks include a $200 Delta Flight Credit annually after spending $10,000, priority boarding, and the first checked bag free on Delta flights.
How does the annual fee work?
The annual fee for the Delta SkyMiles® American Express card is structured as follows: there is an introductory $0 annual fee for the first year upon card approval. After the first year, an annual fee of $150 applies. This fee is charged annually on the account opening anniversary date.
The fee is not prorated if the card is canceled or downgraded before the next anniversary date after the first year. It’s important for cardholders to consider this fee when evaluating the overall value and benefits of holding the Delta SkyMiles® American Express card.
How is the credit limit determined?
The credit limit for the Delta SkyMiles® American Express card is determined by American Express based on a thorough evaluation of the applicant’s credit history, credit score, income level, employment status, and overall financial profile.
Factors such as responsible credit usage, demonstrated by a good credit score and payment history, contribute to higher credit limits. Income level also plays a crucial role, ensuring the applicant can manage the credit limit offered. American Express employs both automated processes and manual underwriting to assess creditworthiness, tailoring the credit limit to each individual’s financial circumstances.
Credit card benefits
- Welcome bonus: Earn 65,000 bonus miles after spending $3,000 on purchases in the first 6 months.
- Earn miles on purchases: 2X miles at restaurants, including takeout and delivery in the U.S., 2X miles at U.S. supermarkets, and 2X miles on Delta purchases.
- Delta flight credit: Receive a $200 Delta Flight Credit after spending $10,000 on purchases in a calendar year.
- First checked bag free: Enjoy your first checked bag free on Delta flights.
- Priority boarding: Receive Zone 5 priority boarding on Delta flights.
- Travel discounts: Save 15% on eligible Delta flights when booking Award Travel with miles using the TakeOff 15 benefit.
Enhanced travel flexibility
One of the most compelling features of the Delta SkyMiles® American Express card is its flexibility in travel rewards and perks. From earning double miles on Delta purchases to enjoying annual flight credits and discounts on Award Travel bookings, the card empowers travelers to stretch their miles further and enhance their journey without unnecessary costs.
Disadvantages
- High annual fee after first year: While the card offers a $0 introductory annual fee for the first year, it increases to $150 annually thereafter, which might be considered high compared to other cards.
- Limited redemption options: Despite offering benefits primarily geared towards Delta flights, the card’s redemption options outside of Delta-related expenses may be limited compared to more versatile travel rewards cards.
- Variable APR: The card has a variable APR ranging from 20.99% to 29.99% on purchases, which can be relatively high, especially for cardholders who may carry a balance from month to month.
Limited airline options
A notable drawback of the Delta SkyMiles® American Express card is its focus on Delta as the primary airline for maximizing rewards. While beneficial for Delta loyalists, travelers who prefer more airline choices or travel on various carriers may find their options restricted.
Who can apply for this card?
To apply for the Delta SkyMiles® American Express card, applicants should have a good to excellent credit score (typically 670 or above), be at least 18 years old, and be a U.S. resident with a valid Social Security number or ITIN. While specific income requirements are not specified, sufficient income to manage credit responsibly is necessary.
Approval is also influenced by factors such as credit history, existing debt obligations, and employment status. Meeting these criteria does not guarantee approval as American Express evaluates applications comprehensively.
How to apply for the Delta SkyMiles® American Express card
Via WebSite
To apply for the Delta SkyMiles® American Express card online, you first need to visit the American Express website and navigate to the page specifically dedicated to this card. Once there, you’ll find an option to “Apply Now” or “Apply for the Card.” Clicking on this will take you to the application form.
The application form will require you to provide personal information such as your full name, date of birth, Social Security number (or equivalent), contact details including address, email, and phone number, as well as financial information like annual income and employment status. You may also need to provide details about your current housing situation and monthly housing payment.
Additionally, you’ll be asked to agree to the terms and conditions of the card, including the annual fee and APR (Annual Percentage Rate). It’s important to review these carefully before proceeding. Once you’ve completed the form and reviewed the information, you can submit your application.
After submitting your application, American Express will review your information to determine your eligibility for the Delta SkyMiles® American Express card. This review process may include a check of your credit history and credit score. If additional information is needed, American Express may contact you for verification.
If your application is approved, you will typically receive your Delta SkyMiles® American Express card within a few weeks by mail. Upon receiving your card, you’ll need to activate it online or by phone before you can start using it for purchases.
Throughout the process, it’s important to monitor your email and any communications from American Express regarding the status of your application. This will ensure you stay informed about any additional steps required to complete your application and receive your card promptly.