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Card Economics
- Annual Fee
- $650
- Ongoing Annual Value
- $653
- First-Year Value Estimate
- $630
- Net Value
- +$3
Card type: PersonalForeign transaction fee: NoneCurrency: Delta SkyMilesAU fee: $175
Sign-up Bonus
two round-trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50K bonus miles after you spend $10K in purchases on your new card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms apply. Rates & Fees(Offer Expires 11/4/2026) + 2 roundtrip flight certificates
Am I eligible?Earning Structure
3XDelta purchases3.3%
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)
Statement credits for US rideshare purchases with select providers. Enrollment required
- Resy: $20 (Monthly)
Statement credits for eligible purchases at US Resy restaurants. Enrollment required
- Delta Stays: $200 (Annual Cardmember Year)
Statement credit for prepaid hotels or vacation rentals through Delta Stays per year
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Uber One: $10 (Monthly)
Statement credit for Uber One monthly membership (subject to auto renewal). Must enroll by June 25, 2026. Up to 12 consecutive months of credits.
Lounge Access (2)
- American Express Centurion Lounge (Unlimited) — paid guests allowed
- Delta Sky Club (15 visits/year) — paid guests allowed
Elite Status (3)
- Delta SkyMiles: Annual $2,500 MQD Headstart deposited each Medallion Qualification Year
- Delta SkyMiles: MQD Boost: Earn $1 MQD for each $10 in purchases on the card
- Hertz Gold Plus Rewards: President's Circle
Protections (9)
- Trip Cancellation/Interruption — up to $10,000 — Coverage for trip cancellation and interruption. Pay for round trip travel in full with your card to be eligible for this benefit. This includes award ticket fees or points.
- Trip Delay — up to $500 — Up to $500 per covered trip for delays of 6+ hours. Up to 2 claims per card per 12 consecutive months.
- Baggage Insurance — up to $3,000 — Coverage for carry-on baggage up to $1,250 and checked baggage up to $500 per covered person, up to $3,000 aggregate per trip, in excess of common carrier coverage
- Emergency Evacuation — Emergency medical evacuation coverage with no limit. There is no requirement to pay for any part of your trip with your Amex card to use this benefit.
- Purchase Protection — up to $10,000 — 90 days coverage for theft/damage, up to $10,000 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
- Return Protection — up to $300 — Reimburses for eligible items purchased with the card that the merchant won't take back within 90 days of purchase. Up to $300 per item, $1,000 per calendar year.
- Car Rental Insurance (secondary) — up to $75,000 — Secondary coverage up to $75,000 for rental car damage/theft (primary coverage available for additional fee). Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Australia, Italy, New Zealand.
- 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 on Delta-operated flights
- annual companion certificate valid for First Class, Comfort+, or Main Cabin on domestic, Caribbean, Mexico, or Central American round-trip flights
- complimentary upgrades when available (after Medallion members)
- Zone 5 priority boarding
- first checked bag free
- 20% back as statement credit on eligible Delta in-flight purchases (food, beverages, headsets)
