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Delta SkyMiles® Blue American Express Card: Good for Occasional Delta Flyers

Delta SkyMiles® Blue American Express Card review
KEY TAKEAWAYS
  • The Delta SkyMiles® Blue American Express Card is a simple travel rewards credit card that earns miles for every qualifying purchase.
  • What we think: The Delta SkyMiles Blue card is not nearly as perk-heavy as other Delta cards, but if paying an annual fee for an airline credit card isn’t something you want to do, this is a decent option. However, if you fly frequently, you’ll certainly find more value in a higher-tier card.
  • If you spend $1,000 in six months after opening the account, you’ll earn a welcome bonus of 10,000 SkyMiles. 
  • The Delta SkyMiles Blue card has no annual fee or foreign transaction fees (see rates and fees).
  • Restaurant orders, including takeout and delivery in the U.S., earn 2 miles per dollar.
SUMMARY

If you’re not a regular traveler, it can be hard to get enough value from a premium travel credit card to justify the annual fee. That’s where the Delta SkyMiles® Blue American Express Card comes in — this card gives you the opportunity to earn SkyMiles without paying an annual fee.

In this guide, we’ll explain everything you need to understand about this Delta card from American Express, including:

  • How to earn and redeem Delta SkyMiles rewards
  • Cardholder benefits
  • Fees and interest rates
PROS & CONS

Pros

  • No annual fee
  • 20% in-flight savings
  • Easy-to-earn welcome bonus

Cons

  • Low earning rate
  • No free checked bags
  • No priority boarding
Delta SkyMiles® Blue American Express Card
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Key Information
Earn 2X miles on Delta purchases, 2X miles at restaurants (including takeout and delivery in the U.S.), and 1X miles on all other eligible purchases. $0 annual fee.

Is the Delta SkyMiles® Blue American Express Card worth it? 

If you’re loyal to Delta but don’t travel frequently, the Delta SkyMiles® Blue American Express Card could be a good option. 

It offers an easy way to earn SkyMiles on your everyday purchases, so you can save money on flights in the future — and you don’t need to pay an annual fee. Plus, you’ll get a few perks that come in handy on vacation and in real life, including car rental insurance and purchase protection.

Pros and cons

Pros
  • Solid welcome offer
  • Straightforward SkyMiles earnings tiers
  • Discount on Delta in-flight purchases
Cons
  • No intro APR offer
  • No free checked bags
  • No priority boarding

Learn more about Delta SkyMiles Blue card

Terms apply / Rates & fees

Delta SkyMiles® Blue American Express Card rewards

The Delta SkyMiles Blue card from American Express is a co-branded card; instead of points, it earns Delta SkyMiles. That’s a great perk, especially if you tend to fly Delta more than other airlines.

Welcome bonus

If you spend up to $1,000 in the first six months of having the Delta SkyMiles Blue card, you’ll earn a welcome bonus of 10,000 miles. Only purchases of goods and services count toward this spending threshold; fees and interest charges, prepaid card purchases and gift cards do not.

Keep in mind that American Express may decide you’re not eligible for this welcome offer if you’ve ever had one of the following cards:

Earning rewards

The most exciting aspect of this SkyMiles credit card is, of course, the rewards. There are three easy-to-understand earnings tiers. You’ll earn 2 Delta SkyMiles per dollar for every purchase you make at restaurants and directly with the airline. For all other eligible purchases, you’ll earn 1 mile for every dollar you spend. If you’re a Delta flyer, it’s relatively easy to accrue miles — a $500 flight earns 1,000 SkyMiles.

Redeeming rewards

Delta and American Express offer a variety of ways to redeem the SkyMiles you earn with your Amex Delta Blue card. One of the most popular is the Pay with Miles option. When you book a flight on Delta, you can redeem miles to pay for part or all of the flight. Every 5,000 miles gives you up to $50 off the cost, which is a maximum value of 1 cent per mile.

However, it’s important to note that you can only redeem blocks of 5,000 miles. If your flight isn’t an exact multiple of $50, you’ll lose a bit of value. To pay for a $175 flight entirely with rewards, you’ll need to redeem 20,000 miles.

Can’t fly with Delta? You can also use SkyMiles to book SkyTeam Alliance flights. Member airlines include KLM, AirFrance, AeroMexico, Virgin Atlantic and Korean Air.

Other ways to redeem your Amex Delta SkyMiles rewards include:

1

Upgrades:

Once you book a flight on Delta, use your SkyMiles to purchase an upgrade or select a preferred seat.

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2

Checked bags:

Use miles to cover the fees for standard checked bags. This option is only available at a few airports in the United States.

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3

Hotel stays:

With Delta Stays, you can use SkyMiles to pay for hotels.

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4

Charity donations:

Don’t need your miles? Donate them to charity through Delta, and they’ll go to organizations that help children, veterans and natural disaster victims, among others.

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5

Delta Vacations:

Make a booking through Delta Vacations, and you can use miles to pay for some or all of the cost.

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6

Magazine subscription:

Choose from a wide variety of magazines, including Better Homes & Gardens and InStyle.

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7

Premium drinks in Delta Sky Club lounges:

There’s no need to shell out for an expensive gin fizz the next time you’re in a Sky Club; just use your miles to cover the cost.

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8

Delta Sky Club lounge memberships:

If you’re a SkyMiles Medallion Member, you can use your SkyMiles to buy lounge memberships. An individual annual membership is 69,500 miles, which is a value of $659.

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9

Delta SkyMiles Experiences:

Get access to one-of-a-kind experiences, ranging from special chef dinners to VIP seating at sporting events — then pay for them with miles.

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Delta SkyMiles® Blue American Express Card benefits

SkyMiles aren’t the only perk you get with a Delta Blue card from American Express. Your card also entitles you to a variety of benefits you can use while traveling or going about your life.

Travel benefits

Taking a trip? Make sure you’re taking advantage of these Delta SkyMiles card benefits:

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.

Shopping and entertainment benefits

If you love to shop and seek out entertainment experiences, these Delta SkyMiles Blue card benefits may save you money:

Protections and assistance

If you love to shop, these Delta SkyMiles Blue card benefits can help you save:

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.

Fees, rates & limit

Before you make a final decision on the Delta Blue Amex card, make sure to consider the fees and interest rates (see rates and fees).

Fees

When it comes to fees, the Delta SkyMiles Blue American Express card offers a good deal — you won’t pay an annual fee or foreign transaction fees.

Here are the card’s standard fees:

Interest rates

Your Delta Blue card from American Express includes a variable annual percentage rate (APR) of 20.99% to 29.99%. American Express will determine your APR based on your application and credit profile.

Here’s a look at variable APRs available at Delta SkyMiles Blue card:

Regular APR Purchase Intro APR Balance Transfer Intro APR Cash Advance APR
20.99% - 29.99% N/A N/A 29.99%

If you make a late payment or if your bank returns a payment, American Express is within its rights to switch you to a penalty APR of 29.99%. It may not, depending on your creditworthiness and account history. After you’re hit with the penalty, this APR will stay for a minimum of six months.

Credit limit

If American Express approves you for the Delta SkyMiles Blue card, your credit limit will be assigned based on a range of factors. This might include your income, credit history, credit score, debt and other factors the issuer decides are relevant. Most cardholders have a limit of at least $1,000; yours may be considerably higher.

How the Delta SkyMiles® Blue American Express Card compares

Compared to other Delta airlines cards, the Delta Amex Blue card is a pared-down option.

Although it earns miles and offers a few perks, it doesn’t include benefits that are standard on other cards — namely, free checked bags. If you travel frequently, you’re probably better off getting a different card; the lack of bag fees alone will likely make up for the annual fee. If not, this card is a solid option; it’s a basic airline credit card with no annual fee.

Delta SkyMiles® Blue American Express Card vs. Delta SkyMiles® Reserve American Express Card

American Express issues both the Delta SkyMiles Blue and Delta SkyMiles® Reserve American Express Card, but they sit at opposite ends of the travel card spectrum. While the Delta Blue is a no annual fee card, the Reserve will run you a whopping $650 per year (see rates and fees). 

The Reserve is geared toward frequent travelers — it comes with $2,500 Delta Medallion Qualification Dollars per year, free access to Delta Sky Clubs, a free round-trip companion certificate each year, and more. The Blue card, on the other hand, is intended for occasional travelers who are Delta-loyal.

Read our full Delta SkyMiles Reserve card review

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

The Delta SkyMiles® Gold American Express Card falls somewhere between the Blue and the Reserve cards. It has a $150 annual fee after the first year (see rates and fees). For that, you get a free checked bag, priority boarding, a $100 credit to Delta Stays and a $200 Delta flight credit after you spend at least $10,000 in a year. Plus, you’ll earn 2 SkyMiles for every dollar spent, compared to the 1 mile per dollar with the Blue card. 

If you’re a somewhat regular traveler but not quite ready for a luxury card, the Gold card is better than the Blue — it only takes five flights to make up for the annual fee in checked bag fees alone.

Read our full Delta SkyMiles Gold card review

Delta SkyMiles® Blue American Express Card vs. Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card is a general travel credit card; instead of SkyMiles, it earns miles that you can redeem for travel. You’ll need excellent credit to be approved for this Capital One card, compared to the good credit that’s required for the Delta SkyMiles American Express card.

Both cards eliminate foreign transaction fees, but the VentureOne is accepted in more places around the world — an important consideration if you plan to travel internationally.

Read our full Capital One VentureOne card review

Is the Delta SkyMiles® Blue American Express Card right for me?

You might choose the Delta SkyMiles Blue Card if you’re a Delta fan and you’re searching for a basic rewards credit card.

It’s an effective way to earn SkyMiles on your everyday purchases — and with no annual fee, you don’t have to worry about getting your money’s worth in perks. As long as you can spend an average of $167 per month in the first six months, you’ll earn a 10,000-mile welcome bonus.

If you don’t travel often, one of these general rewards cards may suit you better: 

How do I apply for the Delta SkyMiles® Blue American Express Card?

You can learn more about the Delta SkyMiles® Blue American Express Card and apply online. 

To get approved for the Delta Blue card, you’ll need good to excellent credit

While American Express doesn’t give a credit score requirement, this usually means 690 FICO score or higher. When you apply, expect to provide your employment information and financial details.

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FAQ: Delta SkyMiles Blue card

What credit score do you need for Delta SkyMiles® Blue American Express Card?

There are no hard and fast credit score rules for the Delta SkyMiles Blue card, but you will likely need a minimum score of 690 to get approved. The decision will take into account factors that might include your score, credit history and income.

Is the Delta SkyMiles® Blue American Express Card good?

The Delta SkyMiles Blue credit card is good if you’re a loyal Delta flyer and you want to earn SkyMiles. It doesn’t offer many perks, but it comes with a $0 annual fee.

Do you get a free checked bag with the Delta SkyMiles® Blue American Express Card?

No, you don’t get a free checked bag with the Delta SkyMiles Blue card.

What is the credit limit for the Delta SkyMiles® Blue American Express Card?

The credit limit for the Delta Blue card from American Express varies based on your qualifications.

What are the benefits of Delta SkyMiles® Blue American Express Card?

The Delta Blue Card comes with benefits that include rental car insurance, purchase protection, extended warranty coverage and access to American Express experiences and offers.

About the Author

Elizabeth Smith
Elizabeth Smith Personal Finance

Elizabeth Smith is an experienced travel and finance writer who specializes in topics including credit cards, travel insurance, and personal finance. Travel insurance, in particular, has both professional and personal significance for Smith. She’s traveled to 73 countries, and has extensive experience choosing and using various policies — she understands how valuable the right plan can be in an emergency, and loves to help readers find the perfect fit.

Smith comes to the world of finance from a scientific and technical background. She spent more than 10 years writing about engineering, science, and technology for universities and private companies. When she’s not writing or traveling, Smith can usually be found hiking or Nordic skiing.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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