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Compare the Features and Benefits of Delta SkyMiles® Blue American Express Card and
Southwest Rapid Rewards® Premier Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Travel and Emergency Assistance Services
No Foreign Transaction Fees
No Fees for Authorized Users
Amex Offers
Free Checked Bags
Trip Protections
Roadside Assistance
Free Access to Credit Score
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
2x Airfare

Only on Delta flights booked directly with Delta. Otherwise earn 1X

2x Dining Out / Food Delivery

At restaurants worldwide, including takeout and delivery services in the U.S.

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

While at first it may be tempting to want a Delta American Express card with no annual fee, there’s little reason to get this card over all of the other six Delta SkyMiles credit cards from American Express considering that it is the most basic Delta credit card.

While there is no annual fee, of the 7 cards linked above, this is the only one that does not have:

  • Priority Boarding
  • Free Checked Bag
  • A waiver on the MQD requirement to earn Delta Medallion Elite status when you spend $25,000 in a calendar year.
  • The TakeOff15 benefit, which offers a 15% discount on SkyMiles award travel on Delta marketed and operated flights

priority-bording-delta-skymiles-blue-american-express-card

Those are some HUGE benefits to give up. You’ll get TakeOff15, priority boarding and a free checked bag with the Delta SkyMiles® Gold American Express Card. The Delta SkyMiles® Platinum American Express Card adds the MQD waiver for $25,000 in spend (and comes with an annual companion certificate that allows you to fly a friend or family member for the cost of government-imposed taxes (roughly under $80) for round trip domestic flights.

And while 2X miles on restaurants worldwide sounds good on the Delta Blue SkyMiles card, consider that there are two Amex cards that earn Membership Rewards that earn more on dining: The American Express® Gold Card (4X) and the American Express® Green Card (3X). And American Express Membership Rewards points can transfer to Delta – but they can also transfer to a huge range of other airlines and hotels. Isn’t flexibility better? Why be tied to one mileage program, Delta, when you mind find a better mileage deal elsewhere? Remember, you can fly Delta exclusively and collect lots of SkyMiles that way, but it doesn’t mean that should be all you earn on your credit cards….

In my opinion, the best reason for having a Delta Blue is when you have one of the annual fee Delta cards is your oldest credit card and want to downgrade to a no annual fee card to keep your credit score intact.

But other than that, 99% of people would come out ahead paying the annual fee on one of the other six Delta SkyMiles credit cards from American Express and taking advantage of the benefits that come with them.

Rates and Fees for the Blue Delta SkyMiles® Credit Card from American Express

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Free Checked Bags
no
Trip Protections
no
Roadside Assistance
no
Free Access to Credit Score
no
Annual Fee
$99
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

2x Transit
2x Cable / Internet / VOIP Phone
2x Cellular Phone Service
2x Streaming Services
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Southwest Premier credit card is Southwest’s mid-tier personal card. It balances offering some perks while still charging less than a $100 annual fee.

Cardholders will be reimbursed for up to two EarlyBird Check-In purchases each year, get 25% back on inflight purchases on Southwest Airlines, plus get 6,000 bonus points each card anniversary.

Get a better boarding position using EarlyBird Check-Ins reimbursed by your Southwest credit card. Southwest Rapid Rewards® Premier Credit Card

The Southwest Premier Card offers some of the broadest spending bonus categories of any card with an annual fee under $100. Cardholders will earn 3x points on Southwest purchases and 2x points on Southwest Rapid Rewards hotel and car partners; local transit, commuting, rideshare; internet, cable, phone services, and select streaming services.

Points earned count toward earning the Southwest Companion Pass. Plus, primary cardholders earn 1,500 Tier Qualifying Points toward A-List Preferred Status for every $10,000 spent on the card each year.

The Southwest Premier Card doesn’t charge foreign transaction fees, unlike the Southwest Plus Card. Add in the higher earning rate on Southwest purchases, higher anniversary bonus, and ability to earn Tier Qualifying Points toward A-List Preferred Status, and the Premier Card easily justifies its $30 higher annual fee.

Lastly, this card is great for getting a good piece of the way to a Southwest Companion Pass with the bonus offer, since the signup bonus points count. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
no
Free Checked Bags
yes
Trip Protections
yes
Roadside Assistance
yes
Free Access to Credit Score
yes

Learn more about these cards today

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