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Credit Card Reviews by Stella Shon

About the Author

Stella has been a points and miles expert for over six years, and her writing has been featured in many publications you would know, such as CNBC, Upgraded Points, Travel + Leisure, The New York Times, ValuePenguin, The Points Guy, LendingTree, Slickdeals, MoneyUnder30 and USA Today. Before all that, she worked at the airline JetBlue.
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Delta SkyMiles® Reserve American Express Card

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(3.7) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Bonus points for spend in the following bonus categories:

Only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

3 x
Airfare
Estimated Rewards Value: 3.6%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Receive an annual companion certificate (valid for up to domestic first class!) upon card renewal, potentially saving you hundreds of dollars on Delta flights
  • Earn MQDs towards Delta Medallion Status via spend on your Card and get $2,500 MQDs per year just for having the card!

Pros

  • Enter the Delta Sky Club before or after your Delta flights
  • Earn $1 MQD for every $10 spent on the card (eligible purchases)
  • Advantageous perks for Delta frequent flyers, such as a free checked bag and upgrade priority

Cons

  • $650 annual fee is steep, no matter how you slice or dice it
  • Earning rate is limited to 3x miles on Delta purchases and 1x miles on all other eligible purchases
  • Requires a significant amount of annual card spend to reach significant MQDs
Annual Fee: $650
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: May 25, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Delta SkyMiles® Platinum Business American Express Card

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(4.1) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Bonus points for spend in the following bonus categories:

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 3.6%
3 x
Hotels
Estimated Rewards Value: 3.6%

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5 x
Transit
Estimated Rewards Value: 1.8%

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5 x
Single Charges over $5,000
Estimated Rewards Value: 1.8%

U.S. shipping only (Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5 x
Shipping
Estimated Rewards Value: 1.8%
1 x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • Get $2,500 MQDs each year just for having the card! Plus earn 1 MQD per $20 spent on eligible purchases
  • Frequent Delta flyers will appreciate the first free checked bag and Main Cabin 1 priority boarding benefits
  • Earn an annual companion certificate upon account renewal, valid for roundtrip domestic flights on Delta

Pros

  • Earn Medallion status faster
  • Receive an annual companion certificate that can be worth way more than the $350 annual fee
  • Get a Global Entry/TSA PreCheck fee credit once every 4-4.5 years

Cons

  • $350 annual fee
  • Delta Sky Club access no longer a benefit of the card
  • Earns less MQDs per dollar than the higher level Delta Business Reserve card
Annual Fee: $350
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: May 25, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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American Express is an Advertising Partner

Delta SkyMiles® Platinum American Express Card

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(3.9) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Bonus points for spend in the following bonus categories:

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 3.6%
3 x
Hotels
Estimated Rewards Value: 3.6%

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

2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

2 x
Groceries
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • The annual companion certificate can easily outweigh the $350 annual fee and can be used for round trip domestic flights on Delta Air Lines (Terms apply)
  • Get $2,500 MQDs annually just for having the card plus you can spend your way towards Medallion Status with 1 MQD per $20 spent.
  • Get a 15% discount off of Delta award flights

Pros

  • $2,500 annual MQDs and the opportunity to spend your way towards Medallion Status (MQDs)
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. (Terms apply)
  • Jam-packed with traveler's benefits, such as a Global Entry or TSA PreCheck fee credit, a first free checked bag when flying Delta Air Lines, trip delay coverage, baggage insurance and more

Cons

  • $350 annual fee
  • Doesn't offer Delta Sky Club access
  • While the ability to spend your way towards Medallion status is helpful, it requires a hefty amount of spending
Annual Fee: $350
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.

Last Updated: May 25, 2024
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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