Delta SkyMiles Blue Personal
Apply now Award System
Bank
Reconsideration Phone
800.528.4800
Breaking Points
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
|---|---|---|---|---|---|
| 10,000 | $1,000 | 1.2 ¢ | $0 | $0 | $132 |
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Delta flights | Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10 |
Spend Categories
2X points
2.4¢ Per Dollar Spent
1X points
1.2¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
Card Benefits
Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.
You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).
Get up to 1 additional year on warranties of 5 years or less, up to $10,000 per purchase.
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes - $$
Travel Partner Transfers
Outside Point System Delta SkyMiles
Transfers In From
1:1 86% value retained
5:1 40% value retained
3:1 67% value retained
5:2 30% value retained
Why You Might Want This Card
Let's start with the good news: a $0 annual fee, a low minimum spending requirement ($500) earns 10,000 miles and 2x miles at U.S. restaurants and on Delta purchases.
Bottom Line
If you're looking to dip your toes in the water on collecting credit card points/miles, this card might be your best fit. The spending requirement isn't intimidating, the miles earned are easy to use, and getting approved should be simple. So, get this card to get your feet wet. If you're an old pro at this game, it's probably not worth using one of your 5/24 on this one.
Application Rules
Amex will decline your application if you already have 4 credit cards (not charge) and apply for a fifth
You'll be declined if you apply for a fourth Amex card in 90 days
Card approval not subject to 5-personal-cards-in-24-months rule
Amex allows only 1 bonus per specific card per lifetime (yours or that version of the card)
