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American Express credit card

Delta SkyMiles® Blue American Express Card

No annual fee. 80,000 Delta SkyMiles miles after you spend $3,000 in 3 months. Purchase APR 19.74–28.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

American Express’s terms

Welcome offer

80,000 miles

After you spend $3,000 on purchases in your first 3 months.

Spending it takes
$1,000 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

Earn an additional 20,000 bonus miles after the first anniversary of Card Membership.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$930$130
Typical spender$1,135$335
Heavy spender$1,530$730
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$130a year

$930 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$335a year

$1,135 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$730a year

$1,530 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 75% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.

Other miles cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Delta SkyMiles

How you earn

2×
Eligible purchases made directly with Delta, including air travel on a Delta flight, air travel on a Delta partner flight with a DL flight number, Delta Stays prepaid hotels and vacation rentals, Delta Vacations packages, and other Delta servicesPurchases charged at restaurants worldwide, including takeout and delivery in the U.S.
1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Receive 20% back in the form of a statement credit on eligible Delta in-flight purchases of food and beverages.
  • Pay with Miles can provide up to $50 off the cost of a flight for every 5,000 miles redeemed when booking on delta.com.
  • Global Assist Hotline is available 24/7 for emergency assistance and coordination when traveling more than 100 miles from home; third-party service-provider costs are the Card Member's responsibility.
  • Access to Amex Presale Tickets and Amex Reserved Tickets for select events, while supplies last.
  • American Express Venue Collection provides enhanced experiences at select stadiums and arenas, including dedicated entrances or fast lanes, plus 10% back on qualifying concessions purchases up to $250 per calendar year after enrollment.
All 9 benefits
  • Rental car
  • Emergency assistance
  • Purchase protection: $1,000 per Covered Purchase, up to $50,000 per calendar year
  • Extended warranty: $10,000 per item and $50,000 per calendar year

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRPrime + 12.74% to Prime + 21.74%
Cash advance APRPrime + 21.99%
Cash advance fee
Penalty APRPrime + 26.74%
Late payment
Returned payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · Filed with the CFPB · PDF, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · Filed with the CFPB · PDF, since Sep 29, 2026
What is the purchase APR?
19.74–28.74% APR · Filed with the CFPB · PDF, since Sep 29, 2026
Is there a welcome bonus?
80,000 Delta SkyMiles miles after $3,000 in purchases in 3 months. · americanexpress.com, since Oct 2, 2026
See it on americanexpress.com

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