The Delta SkyMiles® Blue American Express Card lets you earn 2X miles at restaurants and on purchases made directly with Delta.
You earn 1X on other eligible purchases. You also get 20% back as a statement credit on eligible in-flight food and beverage purchases.
You can use Pay with Miles to lower ticket costs in fixed increments during checkout when you are logged in at delta.com.
Key Features You Actually Use
Earn 2X miles at restaurants worldwide and on Delta purchases. 1X on other eligible purchases.
20% back as a statement credit on eligible Delta in-flight food and beverage purchases.
Redeem miles in blocks to reduce the cash price of eligible Delta tickets.
Annual fee: $0.
Delta SkyMiles Blue American Express Card Lounge Access
This card does not include Delta Sky Club® lounge access.
If lounge access is non-negotiable for you, consider a higher-tier Delta card that offers it with specific rules and caps.
The Blue card focuses on earning miles with no annual fee, not on lounge benefits.
Rates and Fees
Purchase APR: variable 20.24%–29.24%, based on your credit profile. Rates change over time. Review the current Rates & Fees during the application.
Foreign transaction fee: None.
Other fees: See the Cardmember Agreement and Rates & Fees during application. Read them in full.
Delta SkyMiles Blue American Express Card Credit Limit
Your credit limit is determined after approval. It depends on your income, credit score, debt-to-income ratio, and payment history.
After approval, you see your line of credit in your Amex online account under Balance or Statements.
You can request a credit limit increase after you build a record of on-time payments.
How to help your limit:
- Keep utilization low on your existing cards.
- Report stable, verifiable income.
- Pay on time every month.
- Request an increase only after you have a solid payment history.
What Blue Is Best For
Choose Blue if you want $0 annual fee and no foreign transaction fees.
Spend often at restaurants and with Delta and want simple earn rates.
Prefer Pay with Miles to reduce cash fares without complex award bookings.
Do not need a free checked bag, priority boarding, or lounge access.
Delta SkyMiles Blue American Express Card vs Gold
The Delta SkyMiles® Gold American Express Card adds travel perks and has a higher annual fee after year one.
First checked bag free on Delta flights for you and eligible companions on the same reservation.
Priority boarding (Zone 5) on Delta flights and TakeOff 15 (15% off the mileage portion of Delta-operated award tickets)
$200 Delta Flight Credit after $10,000 in purchases in a calendar year.
Who Should Pick Which?
Pick Blue if you rarely check bags, don’t need priority boarding, and want $0 annual fee plus no FX fees.
Pick Gold if you check bags or want TakeOff 15 and priority boarding. One or two round-trip tickets with checked bags can offset Gold’s fee.
Other Options
See:
| Card | Annual fee | Earn focus | Key travel perks | Lounge access |
|---|---|---|---|---|
| Delta SkyMiles® Blue | $0 | 2X restaurants; 2X Delta; 1X other | 20% back on eligible in-flight food/bev; Pay with Miles | None |
| Delta SkyMiles® Platinum | Higher fee | 3X Delta; boosted earn on hotels | Companion certificate (Main Cabin), TakeOff 15; path to Status with spend (terms apply) | No |
| Delta SkyMiles® Reserve | Premium fee | 3X Delta | Companion certificate (First/Main), upgrade priority; strongest Delta perks | Yes (when flying Delta; rules apply) |
| American Express® Gold (Membership Rewards®) | Mid-tier fee | 4X dining; 4X U.S. supermarkets (cap); 3X flights (when booked the eligible way) | Dining/uber-style credits (enrollment req.) | No |
| The Platinum Card® from American Express | Premium fee | 5X on certain flights/hotels (issuer rules) | Global Entry/TSA PreCheck credit; hotel/airline perks; premium protections | Yes (Centurion + partners; rules apply) |
| Amex Green (Membership Rewards) | Lower fee | 3X travel; 3X transit/dining | Travel credits (enrollment req.) | No |
| Blue Cash Everyday® (cash back) | $0 | Groceries/gas/online retail (category structure) | — | No |
| Blue Cash Preferred® (cash back) | Lower-mid fee | High earn at U.S. supermarkets/streaming/transit | — | No |
| Amex EveryDay® (Membership Rewards) | $0 | 2X U.S. supermarkets (cap) + 20% points boost with enough swipes | — | No |
Fast decision guide:
- Pick Blue if you want SkyMiles without paying an annual fee, and you don’t need bag, boarding, or lounge perks.
- Pick Platinum (Delta) if you’ll use the companion certificate and fly Delta frequently.
- Pick Reserve if club access and top Delta perks matter most.
- Pick Amex Gold (MR) if dining and groceries dominate your spend and you want flexible points.
- Pick Amex Platinum if you value lounges, hotel perks, and premium travel credits more than airline-specific perks.
- Pick Blue Cash cards if you prefer cash back on supermarkets/gas/streaming instead of airline miles.
How to Apply Online
Go to the official American Express page for the Delta SkyMiles Blue card and select Apply Now.
Enter your personal information, income, and contact details.
Review the Rates & Fees and disclosures.
Submit your application for an instant decision in most cases.
Issuer Contact
American Express Customer Service (Personal Cards): 1-800-528-2122. You can also use the number on the back of your card after approval for account-specific help.
American Express National Bank (main office): 4315 South 2700 West, Salt Lake City, UT 84184.
Mail for billing inquiry documentation: American Express Customer Service, P.O. Box 981535, El Paso, TX 79998.
Conclusion
If you want to earn SkyMiles without an annual fee and you do not need bag or lounge perks, the Delta SkyMiles® Blue American Express Card is a solid fit.
You get useful earn rates, no foreign transaction fees, in-flight savings, and an easy way to reduce ticket costs with Pay with Miles.
If you want more travel benefits, compare Delta SkyMiles® Gold for the first checked bag, priority boarding, and TakeOff 15.
Disclaimer: This article is informational and not financial advice. Card terms, APRs, fees, benefits, and eligibility rules change. Always review the current Rates & Fees, benefit terms, and Cardmember Agreement on the official application page before applying or redeeming. Lounge access policies are set by Delta and can change.
