Delta SkyMiles® Blue American Express Card Review

The Delta SkyMiles® Blue American Express Card is a travel rewards credit card. It lets card members earn extra miles on travel and restaurants while offering valuable additional perks, such as buyer protection and discounts on in-flight purchases. Unlike many premium credit cards, this offering from American Express does not have an annual fee, and its interest rate is on par with other business travel options. New cardholders can enjoy an introductory offer that gives them 15,000 miles if their spending meets or exceeds $1,000 in the first three months of card membership. Offer expires 4/1/2020.

The Essentials of the Delta SkyMiles® Blue American Express Card

  • APR: 17.24% – 26.24% variable
  • Annual Fee: $0
  • Primary Feature: Double miles on Delta and dining purchases
  • Introductory Bonus Offer: New cardholders receive 15,000 miles after spending $1,000 on the card in the first three months. Offer expires 4/1/2020.

What’s Interesting About the Delta SkyMiles® Blue American Express Card

The Delta SkyMiles® Blue American Express Card lets cardholders earn two miles for every dollar they spend on restaurants in the United States and every dollar spent on Delta purchases. This includes flights booked directly on the Delta.com website as well as Delta Sky Club®, Delta Vacations®, and in-flight purchases. Every other purchase from eligible categories gets cardholders one mile for each dollar put on the card. This includes groceries, fuel, and recurring expenses valid within the U.S., like cell phone bills. Cardholders can redeem the miles they earn on Delta or one of the other 15 airline partners.

The ability to earn miles is just one of the advantages of owning a Delta SkyMiles® Blue American Express Card. Being an account holder has other important and valuable perks. In-flight purchases are 20% cheaper on Delta flights for account holders. They also get complimentary car rental insurance coverage and access to a Global Assist® Hotline anytime they travel more than 100 miles from home. Delta SkyMiles® Blue American Express Card members get extra buying protections too, including an additional two years of warranty, Return Protection, Shoprunner membership, and fraud protection. Best of all, the Delta SkyMiles® Blue American Express Card comes with the ability to plan purchases. Cardholders can use the Plan It® to break up large purchases into planned installments for a small fee.

Things to Consider

This is a miles-based credit card. While the Delta SkyMiles® Blue American Express Card does offer certain perks that many other cards do not provide, account holders who rarely travel or never eat out won’t get as many benefits as those who do. On the flip side, if you are someone who travels often or who travels outside of the United States frequently, you may want to consider a travel card whose rewards more closely align with those activities.

Also, look at the interest rate carefully. The interest rate on this card is neither good nor bad – it’s on par for business travel rewards. However, well-qualified buyers may be able to get a credit card with a lower interest rate that offers many of the same benefits as the Delta SkyMiles® Blue American Express Card, if not most of them.

How to Get the Most from This Card

Getting the most from a card like the Delta SkyMiles® Blue American Express Card takes some planning. First, look at how you earn the most miles. In this case, Delta SkyMiles® Blue American Express Card rewards cardholders with 2x miles for every dollar spent in a US restaurant as well as the money spent with Delta. Account holders should make sure that they make arrangements directly through Delta when they book flights. Also, remember that the Delta SkyMiles® Blue American Express Card rewards cardholders with 2x miles for dollars spent on seat upgrades, in-flight purchases, and passes to the Delta Sky Club®. Card members get double rewards for those expenses, so it pays to upgrade your flight experience.

Also, make sure you educate yourself about the other, less obvious benefits that come from being a Delta SkyMiles® Blue American Express Card member. This credit card offers so many shopping perks that it can be challenging to remember them all. Card members get extended warranties and return protection as well as purchase protection. In turn, it makes sense to pay with the Delta SkyMiles® Blue American Express Card when you buy something, especially large purchases. Furthermore, this card offers payment flexibility so you can break up those large purchases into manageable payments without incurring extra interest. Using this benefit could save you a ton of money in interest payments. Shoprunner is another advantage. It gives members free two-day shipping from dozens of retailers. You will definitely want to make sure that you activate that benefit to save money on shipping.

Other Card Options That Might Interest You

There are many advantages to having a Delta SkyMiles® Blue American Express Card, but that doesn’t mean this card is the right one for everyone. Frequent travelers may get a more significant benefit from choosing the Delta SkyMiles® Gold American Express Card. The interest rate is the same as the Delta SkyMiles® Blue American Express Card, and there is no annual fee in the first year ($95 per year after that). Members get 2x miles for Delta purchases, but there are no transaction fees, and cardholders can check their first bag for free on any round-trip flight.

If a low interest rate and no annual fee sound more your speed, check out the American Express Cash Magnet® Card. It comes with 1.5% cash back on every purchase and features the same Plan It® capabilities as the Delta SkyMiles® Blue American Express Card. Plus, it comes with a strong introductory offer: 0% APR for 15 months. After that, there is a 14.49% – 25.49% variable APR. The card also comes with $150 in the form of a statement credit after spending $1,000 in the first three months.

The Final Word

Look to the Delta SkyMiles® Blue American Express Card for no-annual-fee travel rewards. If you like flying on Delta and have a proclivity for eating out, the rewards structure will be right up your alley. The card also comes with protections that shoppers will love, no annual fee, and a decent interest rate. However, if you don’t travel often or if you travel considerably more than many other people, the Delta SkyMiles® Blue American Express Card may not offer as much benefit.

Renee Breiten

Personal Finance Contributor

Renee Breiten is a professional writer and Exeter MBA who specializes in business, finance, investments, and management. Her work has appeared on PNC, Credit Suisse, American Express, The Street, Investopedia, Motley Fool, Seeking Alpha, SCORE, and Hello Giggles, amongst others.