What Are Delta Credit Card Benefits and How Do They Work?

6 Min Read | Last updated: June 4, 2026

Family of three is sitting in the airport, the Delta sign behind them

Learn how to earn and redeem Delta Credit Card benefits with American Express® benefits to maximize every moment of your travel.

At-A-Glance

  • Each Delta SkyMiles® American Express Card is different, but they all offer a variety of benefits and perks that can help maximize every moment of every trip.
  • Depending on the Card, you can earn benefits like thousands of bonus miles, priority boarding, and free checked bags.
  • Understanding how to earn and redeem miles and receive all available benefits can help you get the most out of your Delta SkyMiles Card.

Travel helps you connect with the people, places, and experiences that matter most. And Delta Air Lines is committed to helping its frequent fliers earn trip-enhancing rewards and redeemable miles for flights and upgrades through Delta SkyMiles® American Express Card Membership. With four different Delta Cards to choose from, there’s one designed to best match your travel style.

We’ll learn the benefits of each, how you can earn them, and how to redeem them. Terms and conditions apply to all benefits listed below.

How to Redeem Rewards With The Delta SkyMiles® Blue American Express Card

The Delta SkyMiles Blue American Express Card has no annual fee1 and a range of benefits that can elevate the experience of casual Delta fliers.

Here are just some of the Card’s most popular rewards and how to redeem them:2

  • Earn Miles
    Use your Card to earn 2X Miles on dining at restaurants, including takeout and delivery in the U.S., 2X on Delta purchases made directly with Delta, and 1X Miles on all other 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 Delta or Delta Connection® carrier-operated flights that are marked as Pay with Miles on delta.com.
  • No Foreign Transaction Fees
    No matter where you're traveling, when you use your Delta SkyMiles® Blue American Express Card, there are no Foreign Transaction Fees from American Express.1,3
  • 20% Back
    Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.

How to Redeem Rewards With The Delta SkyMiles® Gold American Express Card

The Delta SkyMiles® Gold American Express Card has a $0 annual fee for the first year, then $150 thereafter4, along with competitive rewards that build off the Blue Card for more frequent Delta fliers.

Here are just some of the Card’s most rewarding perks and how you can access them: 5

  • $200 Delta Flight Credit
    After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • $120 Rideshare Credit
    After renewing your Card for the first time, you can earn up to $10 back each month on U.S. rideshare purchases with select providers after you pay with your Gold Card. Enrollment required.
  • $100 Delta Stays Credit
    Elevate your travel experience with an annual statement credit of up to $100 after using your Gold Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • TakeOff 15
    Save 15% anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. Just visit delta.com or the Fly Delta app and log in to your Delta SkyMiles account. Choose “Shop with Miles” when searching for Delta flights for your itinerary.
Delta TakeOff 15: Your 15% Card Member Benefit Applied Below. Chart. Example Only.

 DELTA.COM – Example only. Actual trip prices may vary.

It’s important to note that Pay with Miles is a specific benefit to all eligible Delta SkyMiles Card Members and is different from Delta’s Miles + Cash program. Miles + Cash is available to anyone with a SkyMiles account. Unlike Pay with Miles, Miles + Cash redemption rates fluctuate.

  • Earn Miles
    Use your Card to earn 2X at restaurants, including takeout and delivery, and U.S supermarkets, 2X on purchases made directly with Delta, and 1X per dollar on other purchases.
  • First Bag Free + Second Bag Free
    Book with your Card to enjoy your first checked bag free on Delta flights worldwide for you and up to 8 travel companions in your reservation. Plus, as a Basic Card Member, you can check your second bag for free on domestic Delta flights.
  • Zone 5 Priority Boarding
    Enjoy early boarding on Delta flights as a benefit of Card Membership. The Basic Card Member and up to eight additional passengers in their reservation can board when Zone 5 Priority Boarding is called. The Basic Card Member must include their SkyMiles number in their reservation when booking their Delta flight.

How to Redeem Rewards With The Delta SkyMiles® Platinum American Express Card

The Delta SkyMiles Platinum American Express Card has a $350 annual fee6 and luxury-forward rewards that build off the Gold Card for loyal Delta fliers looking for more luxury.

  • Companion Certificate
    Enjoy a Companion Certificate when using your Card to book a Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after you renew your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • MQD Headstart and MQD Boost
    Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year simply by being a Card Member. Plus, get $1 Medallion Qualification Dollar for each $20 in purchases on your Card in a calendar year, getting you closer to the Medallion Status for the next Medallion Year quicker.
  • $120 Resy Credit
    Enroll your Card through American Express and get up to $10 in statement credits each month after you pay with your enrolled Delta Platinum Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $120 in statement credits annually.
  • $120 Rideshare Credit
    Get rewarded to and from the airport with up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year. Enrollment required.
  • Earn Miles
    Use your Card to earn 3X miles on purchases made directly with Delta; 3X on hotels booked directly; 2X at U.S supermarkets, plus dining, takeout, and delivery at U.S. restaurants; plus 1X per dollar on other purchases.
  • First Bag Free + Second Bag Free
    When you make eligible reservations with your Card, your first checked bag flies for free on international and domestic Delta flights. Plus, you can check a second bag for free on domestic Delta flights. Just make sure the bags aren’t overweight or oversize according to Delta’s guidelines.
  • $150 Delta Stays Credit
    Elevate your travel experience with an annual statement credit of up to $150 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Global Entry or TSA PreCheck® Fee Credits
    Get $120 back every 4 years after you apply for Global Entry (includes TSA PreCheck access) or up to $85 back every 4.5 years after you apply for TSA PreCheck using your Card.
  • Complimentary Upgrade List
    Card Members with an eligible ticket will be added to the Complimentary Upgrade list automatically, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Hertz Five Star® Status
    Transform your car rental experience with Hertz Five Star Status, compliments of your Delta Platinum Card. Enroll in the Hertz Gold Plus Rewards program, then add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card and "Enroll in Promotion" at delta.com/hertz.

How to Redeem Rewards With The Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles Reserve American Express Card has a $650 annual fee8 and even more luxury-enhancing benefits that build off the Platinum Card for the fliers who need to travel in style and comfort:9

  • Companion Certificate
    Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewing your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • • Delta Sky Club® Access
    Enjoy 15 Visits each Medallion® Year to the Delta Sky Club when flying Delta and unlock unlimited Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Plus, you receive 4 One-Time Guest Passes each Medallion Year, so you can share the experience with family and friends when traveling on Delta together. That's up to $950 in annual value, if you use all 15 Visits and all 4 Guest Passes. Value estimate based on $50 per-Visit rate to purchase additional Visits or bring a guest to the Delta Sky Club.
  • Complimentary Access to The Centurion Lounge
    Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
  • $240 Resy Credit
    Enroll your Card through American Express and earn up to $20 in statement credits each month after you pay at U.S. Resy restaurants or make other eligible Resy purchases with your enrolled Delta Reserve Card. That's up to $240 in statement credits annually.
  • Upgrade Priority + Complimentary Upgrade
    Using your Reserve Card, receive upgrade priority over others with your Medallion tier when you fly with Delta. Not a Medallion Member? Delta SkyMiles Reserve Card Members with an eligible ticket will be added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members.
  • Earn Miles
    Use your Card to earn 3X miles on purchases made directly with Delta and 1X on all other purchases.
  • $200 Delta Stays Credit
    Elevate your travel experience with an annual statement credit of up to $200 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Hertz President’s Circle® Status
    Transform your car rental experience with Hertz President's Circle Status, compliments of your Reserve Card. Enroll in the Hertz Gold Plus Rewards program, then add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card and "Enroll in Promotion" at delta.com/hertz.
  • First Bag Free + Second Bag Free
    Your first checked bag flies free on international and domestic Delta flights. And your second bag flies free on domestic Delta flights, too. Simply book with your Reserve Card. However, the bags must adhere to Delta’s weight and size guidelines.

Frequently Asked Questions

The Takeaway

The four available Delta SkyMiles American Express Cards offer a variety of different benefits that can help you make every journey more meaningful. To take the most advantage of your Card, it’s important to understand how its benefits work, from earning and redeeming miles to getting free checked bags, and more. You can consult this article and all the sources within it for step-by-step-instructions on earning, receiving, and redeeming your benefits.


Headshot of Megan Doyle

Megan Doyle is a business technology writer and researcher whose work focuses on financial services and cross-cultural diversity and inclusion.
 
All Credit Intel content is written by freelance authors and commissioned and paid for by American Express.

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