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Delta Miles + Cash vs. Pay with Miles tickets: Which should you book?

March 19, 2021
8 min read
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The most common Delta mileage ticket is a standard award ticket. This is when you redeem miles to cover the entire ticket fare, save for taxes and fees. It's the default option when you check the "shop with miles" box on Delta's site.

But what if you don't have enough SkyMiles to cover the entire flight you want? While you could quickly boost your balance by buying miles or transferring them from the Membership Rewards program, those aren't your only options. You could fast-track your award by leveraging Delta's Miles + Cash option or if you're a Delta credit card holder, the Pay with Miles option.

Today, we're going to dive into these redemption options, discuss what types of tickets are eligible and compare the value they offer. We'll also touch on how upgrades work with each of these ticket types. As you're going to see, these redemptions are very different from one another.

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(Photo by AaronP/Bauer-Griffin/GC Images)

What are Miles + Cash tickets?

Exactly as it sounds, this option allows you to pay for flights using a combination of miles and cash. It's available to all SkyMiles members on select main cabin, first class and Delta One flights operated by Delta, Delta Connection and Delta Shuttle. It's not available for basic economy or partner flights.

You're essentially buying a set number of miles so that you can book your flight. As such, these bookings are still considered award tickets, meaning you won't earn any miles are elite-qualifying credit. Unlike with some other programs, Delta's Miles + Cash tickets have set rates, so there's no slider to customize exactly how many miles you'd like to use.

To book one of these tickets, search for a flight on Delta's site as you normally would. Then, at the top of the results page, under "show price in," click "Miles + Cash." Some flights are available for as little as 500 miles out of pocket.

Related: Everything you need to know about maximizing Delta SkyMiles award tickets

(Photo courtesy of Delta)

But how good of a deal will you get? It depends.

In the example above, you're buying 5,000 miles for $90, which comes out to 1.8 cents apiece. That's higher than TPG's valuation of 1.1 cents per SkyMile, but still significantly less than the 3.5 cents per mile Delta usually charges to buy them outright. The cash price of the ticket above is about $108. So you're essentially redeeming $6 worth of miles to save $12, though you won't earn any miles for your flight.

(Photo courtesy of Delta)

However, for some redemptions, you'll get far less value from your miles. For instance, there's a flight from New York-JFK to Cancun (CUN) available for $268 or 15,500 miles plus $175. In this example, you're buying 7,500 miles for about 1.9 cents apiece. The remaining 15,500 miles you need to pay are worth about $171 based on our valuations, so you'll effectively be paying $346 for a $268 flight — not a good deal.

Related: How to earn Delta Medallion elite status without flying

(Photo courtesy of Delta)

Note, mileage purchases in Miles + Cash transactions are nonrefundable. If you cancel your award, you'll get the miles purchased deposited into your account.

What are Pay with Miles tickets?

Pay with Miles is a feature available exclusively to cobranded Delta Amex cardholders. It allows you to redeem a fixed amount of miles to get a cash discount on your Delta-operated flight.

You can redeem SkyMiles in increments of 5,000 miles to take $50 off your ticket cost. So for a $200 ticket, you could redeem 10,000 miles and pay $100 in cash for the ticket. This gives your miles a fixed value of 1 cent each, which is just slightly less than TPG’s valuation of 1.1 cents apiece. It's ideal for those that like simplicity or are booking cheap cash tickets that would be expensive to book as awards. It's also useful for those chasing elite status.

Related: Choosing the best credit card for Delta flyers

Unlike Miles + Cash tickets, which are treated as award tickets, Pay with Miles tickets are treated like revenue tickets. So, you'll still earn Medallion Qualification Miles (MQMs), Medallion Qualification Segments (MQSs) and redeemable miles on the portion paid with cash. Also, unlike Miles + Cash tickets, you can use this feature to book basic economy tickets.

To book a Pay with Miles flight, sign in to your Delta account and search for flights as you normally would. Eligible flights will be marked as "Pay with Miles Eligible."

(Photo by Delta)

If you don’t already have a Delta credit card, see below for the current welcome offers:

Upgrading Delta mileage tickets

Normal upgrade rules apply to Miles + Cash and Pay with Miles tickets. You can now even apply upgrade certificates to both of these types of tickets. For the upgrade hierarchy, remember that Miles + Cash tickets are treated as award tickets and Pay with Miles tickets are treated as revenue tickets. Basic Economy (E fare) tickets are never eligible for upgrades.

Related: The ultimate guide to getting upgraded on Delta

Delta Premium Select. (Photo by Benji Stawski / The Points Guy)

Bottom line

Neither of these redemption options will get you the most bang for your buck. However, with Delta shifting toward more of a “one cent per SkyMile” approach for many redemptions, Pay with Miles is becoming increasingly attractive. It takes the headache away from searching for award availability to find the best deal. Plus, unlike award tickets, it won't slow you down from earning Medallion status since you still earn elite-qualifying credit, as well as redeemable miles on the cash portion. All you need is a Delta credit card, such as the Delta SkyMiles Gold Amex, to unlock this feature.

If you prefer getting top value out of every mile, remember that Delta miles never expire, so you can always save them until you have enough to book a traditional award ticket. Luckily, if you're short miles, there are many ways to quickly boost your SkyMiles balance.

Featured image by (Photo by Chris Dong/The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
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Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
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3XEarn 3 Points per $1 spent at Restaurants and Supermarkets
3XEarn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
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  • Intro Offer
    For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

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  • Annual Fee

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    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Why We Chose It

The Citi Premier’s 3 points per dollar spent across a wide range of popular categories is one of the more lucrative offerings in the world of points and miles. The Citi Premier comes with a $95 annual fee and is currently offering a solid sign up bonus of 80,000 points after you spend $4,000 on purchases within the first three months. It also has some valuable transfer partners to make the most of your rewards. Add in access to Citi Entertainment plus a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, booked through the Citi travel website, there are few reasons why the Citi Premier should not be in every traveler’s wallet.

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic.
  • World Elite Mastercard benefits, extended warranty, damage and theft protection.

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases