Delta Credit Cards: A Comprehensive Guide to Benefits and Selection

Originally posted on 07/18/2023 @ 3:35 AM

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Delta Credit Card Benefits

If you’re a frequent flyer with Delta Airlines, then owning a Delta-branded credit card can offer significant value and numerous perks that enhance your travel experience. These cards, issued by American Express, range from entry-level to premium, each with a unique set of benefits tailored to different user needs. As of my knowledge cutoff in September 2021, there were four main types of Delta credit cards: the Blue Delta SkyMiles Credit Card, the Delta SkyMiles Gold American Express Card, the Delta SkyMiles Platinum American Express Card, and the Delta SkyMiles Reserve American Express Card.

  1. Earning Miles: One of the primary benefits of all Delta credit cards is the ability to earn miles on every purchase. The earning rates vary depending on the card, but typically include 2x miles on Delta purchases and at least 1x mile on everything else. Higher-tier cards may offer increased earning rates for specific categories, such as dining and hotels.
  2. Welcome Bonuses: Delta credit cards frequently offer substantial welcome bonuses, provided the cardholder meets a certain spending requirement within a set period after opening the account. This could be a quick way to earn a large number of miles that can be used towards future Delta flights.
  3. Free Checked Bags: Cardholders of certain Delta credit cards, starting from the Gold level, are granted the benefit of the first checked bag free on Delta flights. This can represent a significant saving, especially for frequent travelers.
  4. Priority Boarding: Delta SkyMiles Gold, Platinum, and Reserve cardholders are entitled to Main Cabin 1 Priority Boarding on Delta flights, giving them an advantage in securing overhead cabin space.
  5. In-Flight Discounts: All Delta credit cards offer in-flight savings in the form of a 20% statement credit for purchases made during Delta flights, including food, beverages, and audio headsets.
  6. Medallion Qualification Miles (MQMs): For high-tier cards like the Platinum and Reserve, cardholders can earn Medallion Qualification Miles (MQMs) after meeting certain spending thresholds. MQMs are crucial for those looking to attain Delta’s Medallion elite status, which offers even more benefits like complimentary upgrades and increased mileage earning rates.
  7. Companion Certificates: The Platinum and Reserve Delta credit cards offer an annual companion certificate, which allows cardholders to bring a companion on a round-trip domestic flight for only the cost of taxes and fees. The Reserve card’s certificate is even valid for First Class tickets, providing an incredible value.
  8. Delta Sky Club Access: The premium Delta SkyMiles Reserve cardholders also enjoy complimentary access to Delta Sky Club lounges, where they can relax and enjoy amenities before their flights.

Best Delta Credit Card

Choosing the best Delta credit card depends on your lifestyle and traveling habits. As of my knowledge cut-off in September 2021, some of the most attractive options include Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Platinum American Express Card.

The Gold Card is an excellent choice for casual travelers, offering benefits like 2x miles on Delta purchases, restaurants worldwide, and U.S. supermarkets. On the other hand, the Platinum Card is perfect for frequent flyers, with 3x miles on Delta purchases and hotels, and an annual companion certificate.

Please check Delta’s current offerings to find the card that best suits your needs.


Delta Companion Certificate

One of the most attractive benefits offered by some Delta SkyMiles Credit Cards is the Delta Companion Certificate. This unique perk allows cardholders to bring a companion on a round-trip domestic flight for just the cost of taxes and fees once every year upon card renewal.

What is the Delta Companion Certificate?

The Delta Companion Certificate is essentially a buy-one-get-one-free ticket for domestic flights. Each year, select Delta SkyMiles Credit Card holders receive a Companion Certificate when they renew their card membership. The certificate is redeemable for a round-trip Main Cabin, Comfort+, or First Class ticket, depending on the type of card held by the member.

Who Can Use the Companion Certificate?

The Companion Certificate can be used by the cardholder for any individual of their choosing – a family member, friend, or business associate. The certificate holder does not need to be the primary traveler but must be the one booking the trip.

How to Use the Delta Companion Certificate

Once your Companion Certificate has been deposited into your SkyMiles account (usually within a few weeks of your card renewal date), you can access it by logging into your Delta account. The certificate is used during the booking process. You must book both the paid ticket and the companion ticket at the same time to take advantage of the certificate.

When booking, remember that both travelers must be on the same itinerary. The certificate covers the cost of the ticket, but the cardholder will still need to pay applicable taxes and fees.

Things to Keep in Mind

Before using your Companion Certificate, there are a few important details to keep in mind:

  1. Blackout dates: Delta may have blackout dates during which the Companion Certificate can’t be used.
  2. Ticket class: The type of ticket you can book with the Companion Certificate depends on your credit card. Some cards only allow for Main Cabin tickets, while others allow for Comfort+ or First Class tickets.
  3. Geographical restrictions: Generally, the Companion Certificate can only be used for domestic flights in the continental U.S.


Delta Business Credit Card

For businesses with frequent travel needs, a Delta business credit card like the Delta SkyMiles® Gold Business American Express Card or Delta SkyMiles® Platinum Business American Express Card can be a wise investment. These cards not only offer miles on purchases but also provide perks like priority boarding and free checked bags, all while helping businesses manage their expenses more efficiently.

Furthermore, these cards can provide business-related benefits such as additional miles for purchases on advertising, shipping, and office supplies, helping to maximize your rewards and make your business travel more enjoyable and cost-effective.


Delta American Express Customer Service

Customer service is a critical aspect of any credit card experience, and Delta American Express doesn’t disappoint. They offer 24/7 customer service to their cardholders, ensuring that any issues or concerns are dealt with promptly and effectively. This includes everything from general inquiries, lost or stolen cards, to questions about benefits or your account.

Their online services are also robust, allowing you to manage your account, check your rewards, or pay your bill at any time from anywhere. Having this level of support can make your experience with a Delta credit card smooth and hassle-free.


In conclusion, Delta credit cards offer a wide array of benefits for both individual and business travelers. Whether you’re a casual or frequent flyer, these cards can provide substantial value and transform your travel experiences.


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