Is the American Express Delta Card Easy to Get

The Delta SkyMiles Blue Card is best suited for people looking for a card that allows them to casually earn rewards on Delta purchases and dining expenses. While other Delta cards may have more perks, this card is a more straightforward card without the perks. It also has no annual fees or foreign transaction fees. Use MoneyGeek's American Express Delta SkyMiles Blue Card review to compare the pros and cons with other options and ensure you are getting the best card for your needs.

Card Details to Know Up Front

Bonus, Fee or Feature

Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Credit Needed

Excellent

Click to see this card's rates, fees and how they compare to other cards in our dataset.

American Express Delta SkyMiles Blue Card at a Glance

Generally, the best miles credit card will depend on your needs as a cardholder. If you are only looking for a basic credit card, then the American Express Delta SkyMiles Blue Card's benefits may be enough for you. This card allows you to earn miles from restaurant purchases and eligible Delta purchases. It is also ideal for international use as it does not have foreign transaction fees and there is no annual fee.

Delta SkyMiles® Blue American Express Card

A great miles rewards card with no annual fees
- Excellent Credit Needed
- $0 Annual Fee
- 2 Miles per $1* Rewards Rate
- 2x Rewards Rate on Air Travel
- 2x Rewards Rate on Dining
Pros
- No annual fees
- Earn 10,000 bonus miles if you spend $500 on purchases in the first three months
- Earn 2x miles on Delta purchases and dining
- Earn 1x miles on all other purchases
- Redeem points for air travel, seat upgrades and Delta gift cards
- No blackout dates when redeeming points for Delta flights
- 20% back on eligible in-flight Delta purchases
- Pay no foreign transaction fees
- Car rental loss and damage insurance
- Purchase protection and extended warranty to safeguard your purchases
- Access to American Express Experiences
- Get emergency assistance through the Global Assist Hotline
- Fraud protection safeguards you from misuse of your card
Cons

Cash advance fee

Penalty APR applies in cases of late and returned payments
- $0 annual fees
- 2x miles on dining and Delta purchases, and 1x miles on all other purchases
- Get 10,000 bonus miles upon spending $500 on purchases in the first three months
- Redeem your SkyMiles for air travel to more than 1,000 destinations
- Redeem for seat upgrades and Delta gift cards
- Reduce the cost of your flight by up to $50 for every 5,000 miles you redeem through the Pay with Miles program
- No foreign transaction fees
- Get complimentary car rental loss and damage insurance
- Get purchase protection and extended warranty
- Use the 24/7 Global Assist Hotline for emergency assistance and coordination services
- Fraud protection protects you from fraudulent transactions
- American Express Experiences gives you access to ticket presales and Card Member-only events.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

Pros & Cons Explained

The American Express Delta SkyMiles Blue Card offers various benefits to cardholders. However, it is also important to understand its limitations.

Pros

Benefits

Description
No annual fee

The American Express Delta SkyMiles Blue Card is the only Delta card that has no annual fee. However, other rewards credit cards may also offer the same benefit.
No foreign transaction fees

Cardholders can make purchases in other countries without worrying about expensive foreign transaction fees. This is not a common benefit among credit cards of similar type and level.
Payment using miles that do not expire

Cardholders can earn miles through various eligible purchases on the card. These do not expire and can be used as payment for ticket prices.
Save up to 20%

Using the Delta SkyMiles Blue Card for in-flight purchases, such as food, alcoholic beverages, audio headsets and eligible pre-purchased meals, gives the cardholder a 20% discount in the form of a statement credit that will appear around 8–12 weeks after the posting of the transaction.

Cons

Drawbacks

Description
Limited travel perks

American Express Delta SkyMiles Blue Card benefits do not include travel perks similar to those that charge annual fees. For instance, there is no priority boarding or free checked bags. If you are a frequent traveler looking for the best rewards, consider other travel credit cards.
High APR

There is no intro APR for this card. Additionally, the regular APR is high. Interest rates for purchases are 15.74%–24.74%, while the rate for cash advances is 25.24%.

LOOKING FOR THE BEST CREDIT CARDS OF 2022?

While this is a good option for a basic card, MoneyGeek's American Express Delta SkyMiles Blue Card review shows that it may not be the best option for some of our readers. Check out MoneyGeek's selection of best rewards credit cards for 2022.

Bonuses & Rewards Explained

Aside from having no annual and foreign transaction fees, Delta SkyMiles Blue Card also offers various opportunities to earn miles and enjoy some rewards.

Up to 20% Savings

With the American Express Delta SkyMiles Blue Card, you can get up to 20% savings on eligible in-flight purchases in the form of a statement credit.

Earn Miles

There are a few different ways to earn miles with American Express Delta SkyMiles Blue Card, which you can use to pay for tickets. You can get one mile for every dollar spent on everyday purchases and two miles for every dollar of eligible purchases at restaurants and with Delta. You can get up to $50 off on your flight costs for every 5,000 miles redeemed through a delta.com booking.

Welcome Bonus

As a welcome offer, new cardholders can earn up to 10,000 bonus miles if they spend $500 in purchases within the first three months of card membership.

Other Features Explained

To find the best credit card, you have to consider your needs as a user. Understand your options well and compare the features that each card offers. Although American Express Delta SkyMiles Blue Card benefits are limited, there are security features you may be interested in.

Card Feature

Description
Car Rental Loss and Damage Insurance

If you use an eligible card to reserve and pay for the rental of a vehicle and decline the collision damage waiver at the rental company, this insurance will cover damages to or theft of the rental vehicle as long as it is in a covered territory. Check the terms and conditions to see if the place you are visiting is covered. For liability coverage, you will need separate insurance.
Get Emergency Support 24/7

American Express' Global Assist hotline is available to cardholders traveling more than 100 miles from home. You can get emergency assistance or coordination service 24/7. These may include medical or legal referrals, emergency cash wires and assistance for missing luggage. Keep in mind that there may be fees and charges from third-party service providers.
Protection for Covered Purchases

Using your card to buy certain purchases will give you coverage against accidental damage or theft up to 90 days from the date the covered purchase was made.
Extended Warranty

Using your American Express Delta SkyMiles Blue Card for covered purchases gives you longer warranty protection. This offers an additional one-year warranty for covered purchases with warranties of five years or less.
Customer Satisfaction

Customer experience can vary per person. But American Express received the highest overall rating of 838 in the 2020 J.D. Power Credit Card Satisfaction Study, which measures customer satisfaction using various factors.

MONEYGEEK EXPERT TIP

"It's not common to see a card with no annual fee also not charge foreign transaction fees. If you're traveling abroad and do not have another rewards card, this one is a great option." - Alene Laney, Credit Card Journalist

Understanding the Fine Print

If you are thinking of going through the American Express Delta SkyMiles Blue Card application, make sure you understand all features, rates and fees. Consider the APR, transaction fees and rewards rates.

Card Feature

Amount or Rate
APR

15.74%–24.74%
Annual Fee

$0
Cash Back Rewards
Rewards Rate

2 Miles per $1*
Airline Benefits
Rewards Rate on Groceries

1x
Rewards Rate on Gas

1x
Rewards Rate on Dining

2x
Rewards Rate on Entertainment

1x
Rewards Rate on Online Shopping

1x
Rewards Rate on TV, Phone, Internet Services

1x
Rewards Rate on Air Travel

2x
Rewards Rate at Hotels

1x
Balance Transfer Fee

Unspecified
Balance Transfer APR

Unspecified
Late Fees

$39.00
Cash Advance Fee

5%
Cash Advance APR

25.24%
Foreign Transaction Fee

None

Regular APR

The American Express Delta SkyMiles Blue Card has a fairly high variable APR of 15.74%–24.74% for purchases. For cash advances, the variable APR is 25.24%. APR for late payments or those returned by the bank is 29.99%.
Transaction Fees

There are no annual fees or foreign transaction fees. However, cardholders have to pay either $5 or 3% for every balance transfer, whichever amount is higher. For every cash advance transaction, cardholders have to pay the greater between $10 or 5% of the amount.
Rewards Rates

The rates to earn miles vary depending on the transaction. If you use your card at restaurants, you can earn 2x miles. Similarly, purchases made directly with Delta allow you to earn 2x miles. For other eligible purchases, the rate is 1x miles.

WHERE TO FIND THIS INFORMATION?

Shop around and compare fees, rates and features to find the best credit card suitable for your needs. Learn more about each card by checking specific information. If you already have a card to compare, check your latest billing statement and online or mobile app account. The terms and conditions for credit cards can also be found on the company's website or the credit card agreement database maintained by the Consumer Financial Protection Bureau.

Who Should & Shouldn't Consider American Express Delta SkyMiles Blue Card?

Other Considerations for American Express Delta SkyMiles Blue Card

Before you decide whether you should get an American Express Delta SkyMiles Blue Card or not, figure out how you will be using it. Are you going to use it as your only card or as an additional credit card? Your needs and considerations will vary depending on your usage.

Things to Consider if This Will Be Your First or Only Credit Card

If you are thinking of using the Delta SkyMiles Blue Card as your first or only credit card, consider the high APR when using it to pay for purchases. While it offers many opportunities to earn miles, the high APR can increase your expenses if you do not pay your balance in full every month. However, this card can work well if you pay in full monthly as it does not have annual or foreign transaction fees.

Things to Consider if This Will Be an Additional Card in Your Wallet

This card is a good additional card in your wallet if you are looking for one with no annual or transaction fees. You can use it to make purchases and earn miles, which you can use to pay for tickets. To maximize the benefits, check the rewards, features and fees of your other credit cards. Check if there are certain spending categories that you can shift to this card. Due to the high APR of the Delta SkyMiles Blue Card, it may be best to only use it for eligible purchases that you can pay in full when the billing period ends.

WHY TRUST OUR REVIEWS

MoneyGeek used a well-defined methodology to complete this American Express Delta SkyMiles Blue Card review. For data accuracy, information was collected from the Consumer Finance Protection Bureau's database and the credit card companies themselves. MoneyGeek uses standardized data points to evaluate credit cards. These include fees, bonuses, rewards and estimated average spending profiles. The process is conducted regularly to reflect how credit card details and offers change.

How American Express Delta SkyMiles Blue Card Compares to Other Cards

If you are looking for a basic card for your travels, then this card can be a good option. It has a Pay with Miles feature and has no annual or foreign transaction fees. However, it has a high APR and does not have the travel perks that other similar cards offer.

In-Depth Credit Card Comparisons:

American Express Delta SkyMiles Blue Card vs American Express Delta SkyMiles Gold Card

Quick Comparison of American Express Delta SkyMiles Blue Card

American Express Delta SkyMiles Blue Card

Annual Fee: $0
APR for Purchases: 15.74%–24.74% variable
Foreign Transaction Fee: $0
New Cardmember Offer: 10,000 bonus miles if you spend $500 within the first 3 months
Best for: Individuals looking for a basic rewards card to earn miles with no annual or foreign transaction fees

Capital One VentureOne Rewards Card

Annual Fee: $0 APR for Purchases: 0% intro APR for 12 months, then 15.49%–25.49% variable Foreign Transaction Fee: $0 New Cardmember Offer: 20,000 bonus miles if you spend $500 within the first 3 months Best for: Frequent travelers looking for a rewards card with a generous intro APR

Other Helpful Decision-Making Q&As

Learn more about the American Express Delta SkyMiles Blue Card with the help of these answers to some frequently asked questions.

There is no specific information released by American Express regarding the credit score needed to get approval for a Delta SkyMiles Blue Card. However, having a good to excellent credit score (690 or better) can always help.

The application process can be done online. You can receive a decision in 30 seconds. Pre-qualification can be determined based on your credit profile. To find out if you are eligible for pre-qualification, fill out the online application form found on the company website.

You will have to disclose personal information, such as your name, birthday and Social Security number. The company will also need your contact number, home address, total annual income and income source.

American Express Delta SkyMiles Blue Card customer service can be contacted via phone, through mail or online. Cardholders traveling more than 100 miles from home can also access the Global Assist Hotline for emergency assistance 24/7. Additionally, the company ranked first in the 2020 Credit Card Satisfaction Study from J.D. Power.

You can pay and manage your account online or through the American Express mobile app.

You can request a limit increase through your online account at least 60 days after the opening of the account. However, American Express will also sometimes raise it automatically. There is no fee for the increase.

Yes, you can freeze or unfreeze your account using the American Express app.

Yes, American Express has various cards, including Delta SkyMiles Gold and Delta SkyMiles Platinum, among dozens of others.

Learn more about credit cards in general

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer's website for the most up-to-date information available.
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