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Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
The low annual fee is reasonable, as cardholders can expect a free checked bag on Delta flights worldwide, and a second checked bag free on domestic U.S. flights, which more than offsets the cost after just four flights each year. Throw in a 20% discount (in the form of a statement credit) on inflight food, beverage and headset purchases, plus up to $150 Delta Stays statement credit and priority boarding, and this card covers all the bases. (Partner offer)
First checked bag free worldwide, and second check bag free on U.S. domestic flights
20% discount on in-flight on select purchases (in the form of statement credits)
Cons
No Delta SkyClub lounge access
Has an annual fee
Who is this card good for?
This card is best for business owners who fly Delta occasionally but not enough to achieve Medallion elite status. You’ll still enjoy comparable perks such as two free checked bags (the first checked bag is free worldwide and the second checked bag is free on domestic U.S. flights), priority boarding, and a 20% discount on in-flight purchases (as a statement credit) — all without having to fly tens of thousands of miles each year chasing elite status.
Earning rewards
Earn 2 miles per dollar spent on Delta purchases, on U.S. advertising in select media (up to $50,000 spent each year, then 1 mile per dollar spent thereafter), on U.S. shipping (up to $50,000 spent each year, then 1 mile per dollar spent thereafter) and at restaurants worldwide and 1 mile per dollar spent on other eligible purchases.
At a glance
Rewards rates
2X
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of eligible purchases per category, per year.
2X
Earn 2 Miles on every eligible dollar spent on purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X
Earn 1 Mile on every eligible dollar spent on purchases.
Intro offer
Offer Ending Soon
Earn 90,000 Bonus Miles
Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
Ongoing purchases APR
19.74% - 28.74% Variable
Ongoing cash advance APR
28.99% Variable
Ongoing penalty APR
29.99% Variable
Annual fee
$0 introductory annual fee for the first year, then $150
Recommended credit
Good to Excellent
More details
Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
$0 introductory annual fee for the first year, then $150
Limited Time Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
$0 introductory annual fee for the first year, then $150
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of eligible purchases per category, per year.
Earn 2 Miles on every eligible dollar spent on purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Enjoy your first checked bag free on Delta flights worldwide for you and up to 8 travel companions in your reservation. Plus, as a Basic Card Member, you can check your second bag for free on domestic Delta flights.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
NEW: Earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles® Gold Business Card to pay for U.S. rideshare purchases with select providers. That's up to $120 back annually. Enrollment required.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
Pay no foreign transaction fees when you travel overseas.
