Earning Rewards

Approximate annual rewards value: 24,193 miles

Introductory bonus value: 10,000 miles

First-year rewards value: 34,193 miles

These are the rewards you can earn with this card:

  • 2 miles per dollar spent at restaurants, including takeout and delivery.
  • 2 miles per dollar spent on Delta purchases.
  • 1 mile per dollar on all other purchases.

This rewards structure can be great if you use your Delta SkyMiles Blue American Express Card for restaurant dining and at Delta.com, but doesn’t provide much benefit when used for other everyday purchases.
If you do the majority of your dining at home, you won’t benefit much from the reward on restaurant dining. If you aren’t a frequent traveler, you also won’t benefit much from the miles you earn. That said, since the card has no annual fee, it won’t weigh you down to carry it so you can use it when you fly Delta.

You can earn a 10,000-mile bonus after spending $500 in your first three months of card ownership, which begins the date your account is approved. That’s a low spending threshold compared with most travel card introductory offers.

How much you can earn with the Delta SkyMiles Blue American Express Card will depend on how much you spend in the rewards categories. Based on average spending data from the U.S. Bureau of Labor Statistics and analysis on streaming service and public transit expenditures, Delta SkyMiles Blue American Express Card users can earn about 34,193 miles in their first year. In subsequent years, you can expect to earn closer to 24,193 miles.

Expenditure Annual cost Mileage earning rate Annual miles earned
Groceries $4,600 1 mile per dollar on all other purchases

4,600

Dining $3,500 2 miles per dollar spent at restaurants 7,000
Apparel and services $1,900 1 mile per dollar on all other purchases 1,900
Flights and hotels $1,100 2 miles per dollar on purchases directly with Delta 2,200
Gas $1,900 1 mile per dollar on all other purchases 1,900
Transit $523 1 mile per dollar on all other purchases 523
Entertainment $3,100 1 mile per dollar on all other purchases 3,100
Streaming services $170 1 mile per dollar on all other purchases 170
Personal care products and services $800 1 mile per dollar on all other purchases 800
All other expenditures $2,000 1 mile per dollar on all other purchases 2,000
Total annual miles 24,193
Bonus miles  10,000
Total first-year value  34,193

Values for each spending category are based on average data from the 2019 U.S. Bureau of Labor Statistics’ Consumer Expenditure Survey. Each category is rounded to the nearest $100.

Redeeming Rewards

Delta SkyMiles can be redeemed for flights, upgrades, premium drinks in Delta Sky Club or other products and services through Delta Reservations, including ticket change fees. Delta SkyMiles Blue American Express cardholders can also take $50 off the cost of their flight for every 5,000 miles redeemed with Pay with Miles.

Benefits

The Delta SkyMiles Blue American Express Card offers several other benefits to cardholders, including:

  • Car rental loss and damage insurance: This covers your car for damage or theft if you pay for the entire rental with your Delta SkyMiles Blue American Express Card and decline the collision damage waiver.
  • Global assist hotline: Get access to 24/7 medical, legal, financial and other emergency assistance and coordination services when you travel more than 100 miles from home.
  • Purchase protection: Purchases made with the Delta SkyMiles Blue American Express Card are protected against damage or theft for up to $1,000 per purchase within 90 days of purchase with a $50,000 maximum per calendar year.
  • Entertainment access: Get access to ticket presales and members-only events.
  • Fraud protection: This service protects you against fraudulent charges, with no liability or deductible.

APR

The Delta SkyMiles Blue American Express Card has an APR of 15.74% to 24.74%, depending on your creditworthiness.

The card’s Pay It Plan It feature can be helpful in paying down small balances and locks in fixed fees for larger purchases. With Pay It, you can quickly tap a purchase in the mobile app that is for less than $100 to put that amount toward your outstanding balance. Plan It is the reverse of this: You can select purchases that are $100 or more and have them split up to make monthly payments for a fixed monthly fee instead of interest charges. This can be a good deal if the monthly fee is less than you would pay in interest.

Card Fees

The Delta SkyMiles Blue American Express Card charges no annual fee. The card also charges no foreign transaction fee. Cash advances are levied a $10 or 5% fee, whichever is greater. Late and returned payments can also incur up to a $40 fee.

Is the Delta SkyMiles Blue American Express Card Worth It

If your spending habits align with the Delta SkyMiles Blue American Express Card, you can most likely get a good value from this card, especially since the $0 annual fee doesn’t create any headwind for earning rewards. You may be able to net more value from a card with an annual fee or broader rewards categories.

Should You Get the Delta SkyMiles Blue American Express Card

  • Spend a lot at restaurants.
  • Are a frequent traveler with Delta.
  • Want a travel card with no annual fee.
  • Travel internationally.

Other Cards to Review

Annual fee: The Delta SkyMiles Blue American Express Card has no annual fee. The Delta SkyMiles Gold American Express Card has no annual fee for the first year, then it’s $99.

Rewards: With the Delta SkyMiles Blue American Express Card, you earn 2 miles per dollar spent at restaurants and directly through Delta. All other eligible purchases earn 1 mile per dollar. The Delta SkyMiles Gold American Express Card offers 2 miles per dollar spent at restaurants, U.S. supermarkets and on Delta purchases.

Welcome offer: New cardholders with the Delta SkyMiles Blue American Express Card can earn 10,000 bonus miles by spending $500 in their first three months of card membership. Delta SkyMiles Gold American Express Card cardholders can earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.

Benefits: The Delta SkyMiles Blue American Express Card has benefits including car rental loss and damage insurance and purchase protection. The Delta SkyMiles Gold American Express Card provides all the same benefits as the Delta SkyMiles Blue American Express Card with additional bonuses such as a free checked bag and priority boarding. Both cards provide 20% off in-flight purchases of food, beverages and audio headsets on Delta flights and let cardholders take $50 off Delta.com ticket purchases for every 5,000 miles they redeem. The Delta SkyMiles Gold American Express Card pairs that with a $100 flight credit if you spend more than $10,000 in a single calendar year.

FAQs About the Delta SkyMiles Blue American Express Card

Q: Is the Delta SkyMiles Blue American Express Card worth it?

A: The Delta SkyMiles Blue American Express Card is the entry-level Delta American Express card. Its $0 annual fee makes it a cheap card to hold in your wallet, although it also doesn’t have a very broad rewards program. The best you can earn is 2 miles per dollar spent at restaurants and on Delta purchases. All other purchases earn only 1 mile per dollar, which can make it a slow-earning card.

Q: How hard is it to get a Delta SkyMiles Blue American Express Card card?

A: The Delta SkyMiles Blue American Express Card requires a good to excellent credit score of 670 to 850 to qualify.

Q: How do I redeem American Express Delta SkyMiles?

A: You can redeem American Express Delta SkyMiles by booking flights on Delta.com. You can also upgrade travel, buy Delta gift cards, purchase magazine subscriptions, book Delta Vacations or reserve SkyMiles Experiences. You can give miles or donate them through SkyWish.

For rates and fees of the Delta SkyMiles Blue American Express Card, please click here




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