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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.

UnitedÔäá Business Card

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(4) 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:
$0 Introductory Annual Fee for the first year, then $99

Bonus Offer

Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Bonus points for spend in the following bonus categories:

2x
Airfare
Estimated Rewards Value: 2.4%
2x
Transit
Estimated Rewards Value: 2.4%
2x
Gas Stations
Estimated Rewards Value: 2.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2x
Office Supplies
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
  • Free first checked bag benefit, worth $70 for every round-trip United Airlines flight you take
  • Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking

Pros

  • United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
  • Earn PQPs towards elite status
  • Great travel and purchase protections that can help your business save when things don't go as planned

Cons

  • The annual fee is $99 after the first year
  • Only provides two United Club passes per year
  • Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
Annual Fee: $0 Introductory Annual Fee for the first year, then $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 21.99%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
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: December 1, 2023
Intro bonus:
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American Express is an Advertising Partner

Blue Cash Preferred® Card from American Express

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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:
$0 Introductory Annual Fee for the first year, then $95 (Rates and fees)

Bonus Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms apply.

Bonus points for spend in the following bonus categories:

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.)

6x
Groceries
Estimated Rewards Value: 6%

On select U.S. Streaming Services

6x
Streaming Services
Estimated Rewards Value: 6%
3x
Transit
Estimated Rewards Value: 3%

At U.S. Gas Stations

3x
Gas Stations
Estimated Rewards Value: 3%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • Earn 6% cash back at U.S. supermarket purchases (up to the first $6,000 spent; then 1% cash back). If maximized, you could earn an outstanding $360 in cash back per year from U.S. supermarkets alone!
  • Other important cash back bonus categories, such as 6% on select U.S. streaming services, 3% on transit and at U.S. gas stations; and 1% on all other eligible purchases.
  • No annual fee for the first year of account opening; then $95 every year after (see rates & fees)

Pros

  • Industry-leading 6% cash back rate for U.S. supermarket spending (up to the first $6,000 per year) and select U.S. streaming subscriptions
  • Monthly statement credits for The Disney Bundle and Equinox+ that could potentially save you hundreds of dollars per year
  • 0% intro APR for purchases and balance transfers during the first 12 months of account opening (See "Key Facts" and rates & fees for details)

Cons

  • Charges a $95 annual fee every year after the $0 intro annual fee
  • This card's foreign transaction fee clocks in at 2.7%
  • Blue Cash reward dollars are limited to cash back redemptions
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee:
2.7%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! ­čśë

APR: 0 % Intro APR (on purchases for 12 months, 19.24%-29.99% thereafter)
APR: 0% Intro APR (on balance transfers for 12 months, 19.24%-29.99% thereafter)
Balance
transfer fees:
Either $5 or 3% of the amount of each transfer, whichever is greater.
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: December 1, 2023
Intro bonus:
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American Express is an Advertising Partner

Delta SkyMiles® Reserve American Express Card

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(3.6) 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. 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

3x
Airfare
Estimated Rewards Value: 3.6%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Access to 50+ Delta Sky Clubs worldwide
  • 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 starting in 2024

Pros

  • Enter the Delta Sky Club before or after your Delta flights
  • Earn an MQD waiver through Dec 31, 2023; Earn MQDs for spend in 2024 on.
  • Advantageous perks for Delta frequent flyers, such as a free checked bag and upgrade priority

Cons

  • $550 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: $550
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: December 1, 2023
Intro bonus:
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American Express is an Advertising Partner

Marriott Bonvoy Brilliant® 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 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Bonus points for spend in the following bonus categories:

6X points only applies to Marriott Bonvoy hotels and resorts booked directly through Marriott. Otherwise, earn 2X

6x
Hotels
Estimated Rewards Value: 3.6%
3x
Airfare
Estimated Rewards Value: 1.8%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 1.8%
2x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Top-tier Marriott benefits, including complimentary Platinum elite status and an annual free night award as well as 25 elite night credits towards earning Titanium or Ambassador status
  • Potential to earn an Earned Choice Award every year by spending $60,000+ on this Marriott credit card in a calendar year
  • The card offers an up to $300 dining statement credit, which can cut down the annual fee by nearly half

Pros

  • Annual free night award presents immense value with a redemption level of up to 85,000 bonus points
  • Automatic Platinum elite status comes with free lounge access or breakfast (where available), 4pm checkout (with resorts and convention center properties excluded), and can give you access to space-available suite upgrades
  • Top-notch travel benefits, including Priority Pass Select airport lounge membership (enrollment required), Global Entry/TSA PreCheck reimbursement, trip cancellation and interruption insurance and more

Cons

  • $650 annual fee is top-of-the-line when it comes to hotel credit cards
  • The earning rate isn't as rewarding as many other credit cards, with only up to 3x bonus points on non-Marriott purchases
  • The up to $100 Marriott property credit requires a minimum of a 2-night stay booked directly at St. Regis or Ritz-Carlton properties only
Annual Fee: $650
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.006

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

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: December 1, 2023
Intro bonus:
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Citi® / AAdvantage® Executive World Elite MasterCard®

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(3.6) 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:
$595

Bonus Offer

Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

Bonus points for spend in the following bonus categories:

On American Airlines flights booked directly only. Other airfare earns 1X mile per dollar.

4x
Airfare
Estimated Rewards Value: 5.6%
1x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
  • Get American Airlines Admirals Club access for you and your immediate family or you and two guests
  • You're a priority when flying American Airlines: enjoy benefits from priority check-in, to priority boarding to priority airport screening for you and up to eight travelers on the same reservation
  • You'll earn 1 Loyalty Point for every dollar spent on the card as well as special Loyalty Point threshold bonuses

Pros

  • Admirals Club membership (a $650 value) for unlimited entry for you and immediate family or up to two guests. Authorized users also get access, but see fees for Authorized Users below,
  • Free checked bag on domestic American Airlines itineraries for you and up to eight travelers on the same reservation
  • Earn 1 Loyalty Point per $1 spent; plus threshold Loyalty Point bonuses

Cons

  • $595 annual fee may be too costly for many
  • The earning rate isn't the most optimal at just 4-5x miles on American Airlines flights and 1x miles on other purchases (+10x miles on car and hotels booked via aa.com)
  • While Authorized Users used to be free, they are now $175 for the first three and $175 for each additional AU after that
Annual Fee: $595
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.

APR: 21.24%-29.99% (Variable)
Balance
transfer fees:
5% of each balance transfer; $5 minimum.
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: December 1, 2023
Intro bonus:
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Alaska Airlines Visa® Credit 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:
$95

Bonus Offer

LIMITED TIME ONLINE OFFER - Buy One Get One is Back! Alaska's Famous Companion FareÔäó + 40,000 Bonus Miles. Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and get 40,000 bonus miles with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

Bonus points for spend in the following bonus categories:

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases; otherwise earn 1X

3x
Airfare
Estimated Rewards Value: 5.1%
2x
Gas Stations
Estimated Rewards Value: 3.4%
2x
Streaming Services
Estimated Rewards Value: 3.4%
2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%

Including ride share, trains, even tolls and ferries

2x
Transit
Estimated Rewards Value: 3.4%
1x
Everything Else
Estimated Rewards Value: 1.7%
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 more
  • Annual Alaska's Famous Companion Fare from $122 ($99 fare plus taxes) to get you BOGO round trip flights for a fraction of the cost
  • 3x miles on Alaska flights; 2x miles on useful categories from gas to local transit; and 1x mile on all non-bonus purchases
  • A free checked bag on Alaska flights can save you at least $30 one-way. Multiply by that the number of Alaska flights you take in a year, and you could save hundreds!

Pros

  • Earn Alaska's Famous Companion Fare every year by spending $6,000 or more on the card
  • Rack up thousands of Alaska Airlines Mileage Plan miles from the welcome offer to Alaska Airlines purchases to everyday spend
  • Free checked bag and priority boarding for you and up to six travelers on the same reservation

Cons

  • Earning rates could be more competitive to rival other airline and travel cards
  • The annual fee has recently increased from $79 to $95
  • The $100 lounge membership may not move the needle for you to purchase a membership that costs at least $550 per year
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Alaska miles have a few things going for them that make them worth a bit more than the average mile, especially to Asia, Fiji, and the South Pacific where they still have separate charts with great rates on First and Business Class. However, since joining Oneworld, they are increasingly making awards more expensive as they integrate new programs. They also partner with luxury Taiwan based Starlux. Additionally, only Marriott points transfer to Alaska making them harder to acquire than most.

APR: 19.99%-27.99% (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: December 1, 2023
Intro bonus:
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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. Terms Apply.

Bonus points for spend in the following bonus categories:

3x
Hotels
Estimated Rewards Value: 3.6%

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

2x
Airfare
Estimated Rewards Value: 2.4%

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

2x
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.)

2x
Groceries
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • The annual companion certificate can easily outweigh the $250 annual fee and can be used for round trip domestic flights on Delta Air Lines
  • Opportunity to spend your way towards Medallion Status
  • Get a 15% discount off of Delta award flights

Pros

  • Opportunity to spend your way towards Medallion Status
  • 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
  • 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

  • $250 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: $250
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: December 1, 2023
Intro bonus:
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American Express is an Advertising Partner

Delta SkyMiles® Reserve Business American Express Credit 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 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.

Bonus points for spend in the following bonus categories:

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

3x
Airfare
Estimated Rewards Value: 3.6%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Ideal for businesses high yearly expenses, as you can earn up to 1.5x miles on non-Delta purchases (after $150,000 in yearly spend), bonus MQMs, and an MQD waiver towards Medallion Status
  • Frequent Delta flyer perks like first free checked bag, Main Cabin 1 boarding, priority upgrades, and access to complimentary upgrades even for non-Medallion members
  • The annual companion certificate can be used for domestic round trip travel on Delta Air Lines in any class of service and can save you hundreds of dollars on a pair of tickets.

Pros

  • Delta Sky Club access when you're flying the same-day with Delta
  • Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class
  • Ability to spend your way towards Delta Medallion status

Cons

  • $550 annual fee
  • Lounge access is limited to the primary cardholder, unless you're willing to pay a $50 per-person rate for up to two guests at Delta Sky Clubs
  • Only the higher accelerator (1.5x miles) kicks in after you spend at least $150,000 on the card in a calendar year
Annual Fee: $550
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: December 1, 2023
Intro bonus:
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American Express is an Advertising Partner

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 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.

Bonus points for spend in the following bonus categories:

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

3x
Airfare
Estimated Rewards Value: 3.6%
3x
Hotels
Estimated Rewards Value: 3.6%
1.5x
Single Charges over $5,000
Estimated Rewards Value: 1.8%
1x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • Get rewarded for large purchases -- earn 1.5x miles per dollar spent on purchases over $5,000 (up to 50,000 bonus miles per year); and the potential to earn an MQD waiver and bonus MQMs after meeting qualifying spend
  • 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 $250 annual fee
  • Get a Global Entry/TSA PreCheck fee credit once every 4-4.5 years

Cons

  • $250 annual fee
  • Delta Sky Club access no longer a benefit of the card
  • Only the higher accelerator (1.5x miles) applies to large purchases of $5,000 or more
Annual Fee: $250
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: December 1, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Notify me of bonus offer changes
American Express is an Advertising Partner

Delta SkyMiles® Gold Business 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:
$0 Introductory Annual Fee for the first year, then $99 (Rates and fees)

Bonus Offer

Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 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

2x
Airfare
Estimated Rewards Value: 2.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 2.4%
2x
Shipping
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • You and up to eight companions on the same flight reservation can get a free checked bag on Delta flights -- saving you $30 per person, per flight!
  • When it comes time to redeem your hard-earned SkyMiles, you'll get a nice 15% discount on award redemptions for Delta flights.
  • Get access to a solid range of travel and purchase protections with the card, such as secondary car rental collision and damage waiver insurance and extended warranty.

Pros

  • First checked bag free on all Delta flights
  • Join Main Cabin 1 priority boarding and enjoy a 20% discount for onboard purchases
  • Opportunity to earn a future $100 Delta flight credit by spending $10,000+ on the card every year

Cons

  • $99 ongoing annual fee after the first year
  • No Delta Sky Club membership or access
  • Unlike the Platinum and Reserve card versions, you cannot earn an MQD waiver or earn MQMs from qualifying spend.
Annual Fee: $0 Introductory Annual Fee for the first year, then $99
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: December 1, 2023
Intro bonus:
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Annual Fee:
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YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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