Award System

Delta SkyMiles

Delta SkyMiles »

Bank

American Express

Bank Details »

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
Most Recent Special Offer: 15,000 Bonus Points for $1,000 spend ended Apr 2020
Card Type: Personal, Airline

Spend Categories

Airfare - »

2X points
2.4¢ Per Dollar Spent

All Other - »

1X points
1.2¢ Per Dollar Spent

Restaurants = »

2X points
2.4¢ Per Dollar Spent

Card Benefits

Car Rental Insurance »
Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.
Purchase Protection »
You're protected for up to 90 days from the purchase date up to $1,000 ($500 on natural disasters).
Extended Warranty »
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
Point Transfer Options
Amex Member Rewards

1:1 86% value retained

Point Transfer Options
IHG Rewards

5:1 40% value retained

Point Transfer Options
Marriott Bonvoy

3:1 67% value retained

Point Transfer Options
World of Hyatt

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. The bad news: a meager sign-up bonus, very few perks (no free baggage or priority boarding, for example), and applying will hit your credit and count toward the 5/24 Chase rule.

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)

Breaking Points

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