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Card Economics
- Annual Fee
- $150
- Ongoing Annual Value
- $235
- First-Year Value Estimate
- $1,162
- Net Value
- +$85
Card type: PersonalForeign transaction fee: NoneCurrency: Delta SkyMiles
Sign-up Bonus
Apply and find out your welcome offer: As high as 80K bonus miles + earn a $250 statement credit after you spend $3K in purchases on your new card within the first 6 months of card membership. You may not be eligible for the maximum welcome offer amount.. Terms apply. Rates & Fees(Offer Expires 11/4/2026), $0 introductory annual fee for the first year, then $150
Am I eligible?Earning Structure
2XDelta purchases2.2%
2XDining2.2%
2XUS Supermarkets2.2%
1XAll other purchases1.1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (4)
- Rideshare: $10 (Monthly)
Up to $10 per month in statement credits for purchases with select rideshare service providers, starting one year from card opening.
- Delta Flight: $200 (Annual Calendar Year)
Delta eCredit after spending $10,000 in purchases in a calendar year. Issued within 6-8 weeks and available in Delta Wallet
- Delta Stays: $100 (Annual Cardmember Year)
Statement credit for prepaid hotels or vacation rentals through Delta Stays per year
- Uber One: $60 (One Time)
Up to $9.99 per month for 6 consecutive months for Uber One monthly membership (must activate by 6/25/26)
Protections (4)
- Baggage Insurance — up to $1,250 — Coverage for carry-on baggage up to $1,250 and checked baggage up to $500 per covered person, in excess of common carrier coverage
- Purchase Protection — up to $1,000 — 90 days coverage for theft/damage, up to $1,000 per occurrence, $50,000 per calendar year
- Extended Warranty — up to $10,000 — Extends manufacturer warranty by up to 1 additional year on warranties of 5 years or less, up to $10,000 per item, $50,000 per calendar year
- Car Rental Insurance (secondary) — Secondary coverage for rental car damage or theft up to $50,000. Must reserve and pay full rental cost with card and decline CDW.
Other Perks
- 15% off award flights booked with miles
- Zone 5 priority boarding
- first checked bag free for cardholder and up to 8 companions on the same reservation
- 20% back on eligible in-flight food and beverage purchases as statement credit
- Global Assist Hotline for emergency coordination and assistance when traveling 100+ miles from home
