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Card Economics
- Annual Fee
- $350
- Ongoing Annual Value
- $425
- First-Year Value Estimate
- $682
- Net Value
- +$75
Card type: PersonalForeign transaction fee: NoneCurrency: Delta SkyMiles
Sign-up Bonus
Apply and find out your welcome offer: As high as 90K bonus miles + earn a $300 statement credit after you spend $4k in eligible 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)
Am I eligible?Earning Structure
3XDelta purchases3.3%
3XHotels booked directly with hotels3.3%
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 (5)
- Rideshare: $10 (Monthly)
Up to $10 per month in statement credits for US purchases with select rideshare service providers. Enrollment required.
- Resy: $10 (Monthly)
Statement credits for eligible purchases at US Resy restaurants. Enrollment required
- Delta Stays: $150 (Annual Cardmember Year)
Statement credit for prepaid hotels or vacation rentals through Delta Stays per year
- Uber One: $120 (Annual Cardmember Year)
Up to $9.99 per month for 12 consecutive months for Uber One monthly membership (must activate by 6/25/26)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Elite Status (1)
- Delta SkyMiles: Annual $2.5K MQD headstart. Also earn $1 MQD for each $20 in purchases on the card.
Protections (6)
- 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
- Trip Delay Insurance — up to $300 — Up to $300 per covered trip for delays of 12+ hours. Up to 2 claims per card per 12 consecutive months.
- Purchase Protection — up to $1,000 — 90 days coverage for theft/damage, up to $1,000 per occurrence, $50,000 per 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) — up to $50,000 — Secondary coverage up to $50,000 for rental car damage/theft
- Cell Phone Protection — up to $800 — Up to $800 per claim for cell phone damage/theft when bill is paid with card. 2 claims per 12-month period, $50 deductible. Excludes cosmetic damage.
Other Perks
- 15% off award flights booked with miles
- annual companion certificate for domestic, Mexico, Caribbean, or Central American Main Cabin round-trip flights
- Zone 5 priority boarding
- first checked bag free for cardholder and up to 8 companions on the same reservation
- complimentary upgrades when available (after Medallion and Reserve members)
- 20% back on in-flight purchases as statement credit
