Apply for Delta Credit Cards: If you love traveling with Delta Airlines, a Delta credit card could be your best travel companion.
Whether you’re a frequent flyer or an occasional traveler, these credit cards offer amazing perks, including free checked bags, priority boarding, and exclusive access to airport lounges.
But with so many options, which Delta credit card is right for you? In this guide, we’ll break down everything you need to know before applying.
Types of Delta Credit Cards
Delta offers several credit cards through American Express, each catering to different levels of travelers. The major categories include:
- Personal Delta Credit Cards – Designed for individual travelers.
- Business Delta Credit Cards – Tailored for business owners and frequent corporate travelers.
Within these categories, you’ll find options ranging from basic rewards to premium travel benefits.
Delta SkyMiles® Blue American Express Card
Features and Benefits
- No annual fee
- Earn 2X miles on Delta purchases and restaurants
- 20% savings on in-flight purchases
Best For
- Casual Delta travelers who don’t want to pay an annual fee
Fees & Costs
- No annual fee
- Variable APR applies based on creditworthiness
Delta SkyMiles® Gold American Express Card
Features and Benefits
- First checked bag free
- Earn 2X miles on Delta purchases, restaurants, and groceries
- Priority boarding on Delta flights
Best For
- Frequent Delta travelers looking for travel perks without a high annual fee
Annual Fee
- $0 for the first year, then $99 annually
Delta SkyMiles® Platinum American Express Card
Features and Benefits
- Earn 3X miles on Delta purchases and hotels
- Earn 2X miles on dining and groceries
- Free companion certificate every year
- First checked bag free
- Priority boarding
- Global Entry/TSA PreCheck fee credit
Best For
- Travelers who want enhanced perks and extra earning potential on daily spending
Annual Fee
- $250 per year
Additional Perks
- Access to Delta Sky Club for a reduced fee
- Status Boost® to help you reach Medallion Status faster
- Travel protections and purchase insurance
Delta SkyMiles® Reserve American Express Card
Features and Benefits
- Complimentary Delta Sky Club access
- Earn 3X miles on Delta purchases
- First-class and Comfort+ upgrades
- Annual companion certificate for domestic first-class flights
- Priority boarding and baggage handling
Best For
- Luxury travelers who want exclusive perks and premium services
Annual Fee
- $550 per year
Luxury Perks
- Complimentary access to The Centurion® Lounge
- Medallion Qualification Dollar (MQD) waiver to help you reach elite status
- Free checked bag and priority service
Delta SkyMiles® Business Credit Cards
Business travelers can benefit from Delta’s business credit card options, including:
Delta SkyMiles® Gold Business American Express Card
- Earn 2X miles on Delta purchases, U.S. advertising, and shipping
- Free first checked bag
- No foreign transaction fees
Delta SkyMiles® Platinum Business American Express Card
- Earn 3X miles on Delta and hotel purchases
- Annual companion certificate
- Status Boost® for Medallion Status
Delta SkyMiles® Reserve Business American Express Card
- Complimentary Sky Club access
- Earn 3X miles on Delta purchases
- Complimentary upgrades
Business owners who travel frequently with Delta will find these cards helpful in maximizing rewards and managing expenses.
How to Apply for Delta Credit Card
Applying for a Delta credit card is simple. Here’s how to do it:
Step 1: Check Your Credit Score
Most Delta cards require good to excellent credit (700+ score). Check your score before applying to avoid rejection.
Step 2: Choose the Right Card
Compare the different options and select the one that matches your travel and spending habits.
Step 3: Fill Out the Application
You’ll need to provide:
- Full name and contact details
- Social Security number
- Employment and income information
Step 4: Wait for Approval
- Instant approval is possible for qualified applicants
- If more verification is needed, it can take a few business days
Benefits of Using a Delta Credit Card
Delta credit cards offer excellent perks, including:
1. Earning SkyMiles on Every Purchase
- Earn miles on flights, dining, hotels, and everyday purchases
- Use miles for award travel, seat upgrades, and more
2. Travel Perks
- Free checked bags save up to $60 per round trip
- Priority boarding allows you to settle in before others
- Companion certificates can save hundreds of dollars on flights
3. Airport Lounge Access
Higher-tier Delta credit cards provide access to Sky Club and Centurion Lounges, making travel more comfortable.
How to Maximize Delta SkyMiles Rewards
Want to earn miles faster? Here’s how:
- Use Your Card for Everyday Purchases – Earn miles even when you’re not flying.
- Book Flights with Delta and Partner Airlines – Get the most value from your miles.
- Take Advantage of Bonus Offers – Some cards offer welcome bonuses when you meet a spending requirement.
- Pay Your Balance in Full – Avoid interest charges so you can truly benefit from your rewards.
Fees and Interest Rates
While Delta credit cards offer great perks, it’s important to be aware of potential costs:
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 – $550 (depending on the card) |
| APR (Interest Rate) | 20.49% – 29.99% Variable |
| Foreign Transaction Fee | None (on all Delta cards) |
| Late Payment Fee | Up to $40 |
To avoid extra charges, always pay your balance on time and in full.
Comparing Delta Credit Cards with Other Airline Credit Cards
Delta credit cards compete with other airline-branded credit cards like:
- American Airlines AAdvantage® Credit Cards
- United MileagePlus® Credit Cards
- Southwest Rapid Rewards® Credit Cards
Pros of Delta Credit Cards
+ Great airline partner network
+ Valuable travel perks
+ No foreign transaction fees
Cons of Delta Credit Cards
* Higher annual fees on premium cards
* Limited to Delta and its partner airlines
If you fly Delta often, these cards are a great choice. But if you travel with other airlines frequently, you may want to compare benefits before applying.
Common Mistakes to Avoid When Applying
Avoid these mistakes when getting a Delta credit card:
Applying Without Checking Your Credit Score – A low score could lead to rejection.
Ignoring Annual Fees – Make sure the benefits outweigh the cost.
Overspending to Earn Rewards – Don’t spend just to hit bonus requirements if you can’t afford it.
Not Understanding the Redemption Rules – Make sure you know how to use SkyMiles efficiently.
FAQs about Applying for Delta Credit Cards
1. How do I apply for a Delta credit card?
You can apply for a Delta credit card online through the official issuer’s website, such as American Express. Simply choose the card that fits your needs, complete the application form, and submit it for approval.
2. What credit score do I need for a Delta credit card?
Most Delta credit cards require a good to excellent credit score (typically 670+). Higher-tier cards may require an even stronger credit profile.
3. How long does it take to get approved?
Approval times vary. Some applicants receive an instant decision, while others may take a few business days if further review is needed.
4. Can I check my application status?
Yes! You can check your application status online through the issuer’s website or by calling their customer service line.
5. Will applying for a Delta credit card affect my credit score?
Yes, applying triggers a hard inquiry, which may temporarily lower your credit score. However, responsible card use can help improve your score over time.
6. Can I apply if I already have another Delta credit card?
Yes, but approval depends on your credit profile and the issuer’s policies. Some Delta cards may have restrictions on earning welcome bonuses if you’ve had a similar card before.
7. Do Delta credit cards have an annual fee?
Some Delta credit cards have no annual fee, while others have fees ranging from $99 to $550, depending on the benefits and perks included.
8. What are the benefits of a Delta credit card?
Delta credit cards offer perks like bonus SkyMiles, free checked bags, priority boarding, and access to Delta Sky Club (for premium cards)—perfect for frequent flyers.
9. Can I get a Delta credit card if I’m not a frequent flyer?
Yes! Even if you don’t fly often, a Delta card can help you earn SkyMiles for future trips, everyday purchases, and travel perks.
10. How can I maximize my Delta SkyMiles with a credit card?
Use your card for everyday spending, Delta purchases, dining, and partner offers to earn miles faster. Plus, take advantage of welcome bonuses and promotions.
Conclusion
Delta credit cards provide excellent value for travelers looking to maximize their flying experience. Whether you’re a casual traveler or a frequent flyer, there’s a Delta card that suits your needs. Make sure to compare options, consider the benefits, and apply for the card that aligns with your travel goals.
If you’re ready to start earning SkyMiles and enjoying exclusive perks, apply for your Delta credit card today!
