MoneyGeek’s Take

Delta SkyMiles® Blue American Express Card Review

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ByDoug Milnes, CFA
Reviewed byAlene Laney
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ByDoug Milnes, CFA
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Reviewed byAlene Laney
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Updated: March 20, 2024

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  • Delta SkyMiles® Blue American Express Card

    A great miles rewards card with no annual fees


    • up to 2 Miles per $1*Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

    We love the Delta SkyMiles® Blue American Express Card for more than its no-annual-fee feature. This card lets you earn 2X miles on restaurants worldwide and Delta purchases. All other purchases come with 1X miles.

    An welcome offer gives you the ability to earn 10,000 bonus miles. All you need to do is spend at least $1000 on purchases within the first six months.

    This card comes with no international transaction fees, which makes it perfect for use when traveling overseas. Other travel benefits include earning 20% as a statement credit when you use your card on eligible Delta in-flight purchases and complimentary car rental loss and damage insurance.

    Cardholders also stand to benefit through purchase and fraud protection in different scenarios.

    Pros

    • No annual fee
    • With welcome offer
    • Gives perks for Delta purchases
    • No foreign transaction fees

    Cons

    • Good/excellent credit needed
    • Limited benefits compared to others
    • No lounge access perks
    • Less rewarding for non-Delta spend

    Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. No Annual Fee. Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S. Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases. Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com. Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets. No Foreign Transaction Fees. Terms Apply.

    Delta SkyMiles® Blue American Express Card
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WHY TRUST OUR REVIEWS

MoneyGeek used a well-defined methodology to complete this Delta SkyMiles® Blue American Express 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.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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 Delta SkyMiles® Blue American Express Card review to compare the pros and cons with other options and ensure you are getting the best card for your needs.

Delta SkyMiles® Blue American Express Card Overview

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

Quick Take

  • $0 annual fees
  • 2X miles on restaurants worldwide and eligible Delta purchases, and 1X miles on all other purchases
  • Earn 10,000 bonus miles upon spending $1000 on purchases in the first six 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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Important Card Details

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.

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    Regular APR

    The Delta SkyMiles® Blue American Express Card has a fairly high variable APR of 20.99% – 29.99% for purchases. For cash advances, the variable APR is 29.99%. APR for late payments or those returned by the bank is 29.99%.

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    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. See Rates and Fees

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    Rewards Rates

    The rates to earn miles vary depending on the transaction. If you use your card at restaurants worldwide and on takeout and deliveries in the U.S., 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.

Additional Benefits

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 Delta SkyMiles® Blue American Express Card benefits are limited, there are security features you may be interested in.

  • 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 Delta SkyMiles® Blue American Express 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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

How the Delta SkyMiles® Blue American Express 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:
How the Delta SkyMiles® Blue American Express Card Compares

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Delta SkyMiles® Blue American Express Card

  • Annual Fee: $0
  • APR for Purchases: 20.99% – 29.99% variable
  • Foreign Transaction Fee: $0
  • Welcome Offer: 10,000 bonus miles if you spend $1000 within the first 6 months
  • Best for: Individuals looking for a basic rewards card to earn miles with no annual or foreign transaction fees
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Capital One VentureOne Rewards Credit Card

Annual Fee: $0 APR for Purchases: 0% intro APR for 12 months, then 19.99% – 29.99% 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

Frequently Asked Questions

What is the average credit score needed to get approved for Delta SkyMiles® Blue American Express Card?
Does Delta SkyMiles® Blue American Express Card report to all three credit bureaus?
Is the Delta SkyMiles® Blue American Express Card application process lengthy? Can you prequalify?
What information is needed to apply for Delta SkyMiles® Blue American Express Card?
Does Delta SkyMiles® Blue American Express Card have good customer service or satisfaction?
Does Delta SkyMiles® Blue American Express Card have a mobile app or the option to pay or manage your account online?
Does Delta SkyMiles® Blue American Express Card raise credit limits automatically or charge for limit increases?
Does Delta SkyMiles® Blue American Express Card offer the options to freeze your credit/account or have other security features?
Does American Express offer other credit cards besides, Delta SkyMiles® Blue American Express Card?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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