Best credit card at Delta Airlines
According to Kiwii, which ranks cards by computed math rather than commissions, the best card at Delta Airlines for a typical $1,800/year shopper is the Delta SkyMiles Gold American Express, netting about $97 per year after fees.
+$97/yr
net back per year with Delta SkyMiles Gold American Express
| Card | Rate hereRate | Annual feeFee | CreditsCred. | Net / yearNet | |
|---|---|---|---|---|---|
| 2.6% (2x pts) | $150 | $200 | $97 | Learn more | |
| 3% | None | — | $54 | Learn more | |
| 3% | None | — | $54 | Learn more |
Figures computed from issuer terms including earning caps and annual fees, at typical yearly spend for this merchant. Figures updated September 21, 2026. Some links may earn Kiwii a commission; commissions never affect the ranking. How Kiwii makes money
This math assumes $1,800/year at Delta Airlines and an empty wallet.
Your real answer depends on everything you spend and the cards you already carry. Kiwii Match runs this same math across your actual spending and tells you which card or combo earns you the most, and what you're missing per year with the cards you have now.
Free, no account, about 60 seconds.
- Below about $6,900/year, Delta SkyMiles Gold American Express wins. Above that, Autograph Journey's 4% rate overtakes its $95 annual fee.
- The 2.6% rate at Delta Airlines depends on how this merchant is coded by the card network, which can change.
- Requires a Costco membership, $65 per year and up, which is not counted in the math above.
- Point cards are valued at their cash redemption rate (Delta SkyMiles at 1.3¢ per mile). Transfer or portal redemptions can be worth more; that upside is not counted.
- Fly Delta Airlines often? Delta Airlines' own cards add perks like free checked bags and elite status that this cash-back math doesn't count. Run your match to see if they win for your full spending.
Delta Airlines is categorized as Airlines for rewards purposes, which is what determines the bonus rate most cards pay here.