Best Credit Cards For Delta SkyMiles | The Point Calculator

Best Credit Cards For

Delta SkyMiles

Delta Airlines

Get a list of the best credit cards for earning SkyMiles with Delta Airlines based on your monthly spend across different categories.

Delta has a total of seven credit cards consisting of four personal cards and three business cards. You can also earn Delta SkyMiles by transferring rewards from partner programs directly into your Delta SkyMiles account.

Delta Airlines Transfer Partners

You can earn Delta SkyMiles by transferring rewards to your account from the programs listed in the table below. The calculator will output the equivalent amount of points/miles needed in the partner programs to equal the amount of Delta Airlines SkyMiles you specified in the field.

Membership Rewards Credit Cards

American Express has 10 Membership Rewards credit cards. Points earned with these cards transfer to Delta SkyMiles at a 1:1 ratio which makes them great options for earning miles with Delta. Do note that AMEX charges a Excise Tax Offset Fee for transferring points to U.S.-based airlines. The fee is $0.0006 per mile which means that every 10,000 points transferred will cost you $6. It's not a big charge, but it's something you should be aware of. Even with that charge, using Membership Rewards Points is the way to go for maximizing Delta SkyMiles.

tax offset fee
You'll be able to pay the Excise Tax Offset Fee with points or miles. Always pay cash for this.

One on the best credit cards for Delta travelers is the American Express Platinum Card. It earns 5x Membership Rewards Points per $1 spent on airfare which transfers into 5 Delta SkyMiles per $1 spent. The card also grants complimentary Delta SkyClub access, complimentary elite status with both Marriott and Hilton, $500 worth of annual credits, and much, much more. It has a high sticker tag of $550 per year, but it can easily be worth it if you can make use of all the benefits the card offers. It's worth considering if you plan on traveling frequently.

amex platinum card apply
Score high sign up bonuses with AMEX Membership Rewards credit cards and transfer those points to your Delta SkyMiles account at a 1:1 ratio.

The American Express Gold Card and American Express Green Card are great options for those looking for middle ground. The AMEX Gold offers bonus points on supermarket, restaurant, and airfare purchases while the AMEX Green offers bonus points on travel and restaurant purchases. If you want a little of both worlds, you can combine the AMEX Green Card with the American Express Everyday Preferred Card which earns up to 4.5x on supermarket purchases and up to 3x on gas station spend.

Best Credit Card Options

American Express Membership Rewards Credit Cards will typically earn you the most Delta SkyMiles on your spend. Delta AMEX Credit Cards will not earn you as many SkyMiles, but you'll receive great perks and benefits when they're tied to your SkyMiles account. I recommend having at least one Delta credit card and as many Membership Rewards Credit Cards as you see fit that supports your spend habits.

Delta Credit Cards

Delta has seven credit cards split into different groups by color with each group offering specific earnings, perks, and benefits. These cards will earn you 2 to 3 SkyMiles per $1 spent on Delta Airlines purchases which isn't the best, but they will grant you a bunch of benefits that can be very useful and save you money if you fly Delta frequently.

The Delta SkyMiles Blue AMEX is a great no-annual fee option that earns double SkyMiles on Delta Airlines and restaurant purchases. It will also save you money on in-flight purchases and give you access to Delta's Pay With Miles option.

Want to enjoy a complimentary free checked bag and priority boarding without all the extra bells and whistles? The Delta SkyMiles Gold AMEX or Delta SkyMiles Gold Business AMEX is what you'll want to go for. Checked bags on Delta will cost you $30 per one-way trip. With both cards having an annual fee of $99, this benefit alone will pay for the cost of the card after two roundtrips. This benefit also applies to up to 8 other traveling with you on the same reservation which will save you, your friends, and family even more.

delta platinum offer
The Delta Platinum Card signup bonuses can offer MQMs towards Medallion Status, bonus SkyMiles, and a statement credit!

The Delta SkyMiles Platinum AMEX and Delta SkyMiles Platinum Business AMEX offers most of the benefits that comes with the Delta AMEX Gold cards, but throws in a little extra. The most notable benefit is the annual companion pass you'll receive every year that allows a friend to travel in main class with you for just the cost of taxes and fees. I can typically squeeze as much as $375 out of this benefit myself and it's easy to get a lot more depending on the flight.

Lastly, the Delta SkyMiles Reserve AMEX and Delta SkyMiles Reserve Business AMEX are Delta's premium credit cards. They offer a First Class companion pass, complimentary Delta SkyClub membership, a boost in upgrade priority, and several other benefits. Depending on where you're traveling, the First Class companion pass can make the card worth it if you plan on flying First Class at least once per year with another person.

Best Credit Card Calculator

This calculator will give you a list of the best credit cards for earning rewards based on your monthly, yearly, or quarterly spend across different categories. Results will include credit cards that earn the rewards directly and credit cards that earn rewards that are transferable to your rewards account.

Credit Card Search Types

Best Cards By Estimated Return - Get a list of credit cards that gives you the best return. This is based on spend, currency value, annual credits, and annual fees.

Best Cards By Total Points - Get a list of credit cards that earns you the most points/miles based on spend. Currency value, annual credits, and annual fees are not factored into this search. Great for those who get waived fees (i.e. military).

After your results are displayed, I recommend clicking on a card's Rewards Calculator. This allows you to come up with a more accurate number by adjusting the cash value of perk, being able to calculate spend bonuses & other savings, add in sign up bonuses, toggle annual fees and authorized user fees, and much more. You'll also be able to compare the results side by side any credit card featured on the site!

Click on Rewards Calculator to compare credit cards side by side based on spend, benefits, and fees. You can also change any credit card to reflect transfer partner ratios (when applicable).

Add/Remove Categories

Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can click Add/Remove Categories to adjust the listed categories. You can hit Calculate to calculate the results of your spend against all cards in the database.

Currency Value

You can input how much you value the currency per cent and the results will give you the estimate return based on spend, value, annual credits, and annual fees. This field has no effect on the Best Cards By Total Points search.
Input X.XXX cents or $0.0XXXX.

Bank (Holder)

The bank issuing the card. [Populates After Search]


The network the card is tied to. [Populates After Search]

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, and bank rewards cards. [Populates After Search]


Toggle switch for displaying personal and business cards. Mixed/Combos are pairs of 2 or more cards such as the AMEX Trifecta, Chase Trifecta and others. They can consist of a mix of personal and business cards.

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar (or local currency) when you use the card outside of it's region.


Do note that results may take a few seconds to generate after doing a search. For more accurate results, I recommend using the Rewards Calculator. Some credit cards may appear in this list more than once if there's more than one path to transferring rewards.
Results Will Appear Here

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Page Last Updated: 2020-04-03
Article By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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