American Express Delta Skymiles Blue Review 2026
Delta Skymiles Blue is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
See offerYou'll leave SwitchWize. Verify terms with the issuer.
SwitchWize is not paid if you apply through this link. We have no paid agreement with American Express for this card, and payment would not change how we rank cards. How we make money
Your card estimate
Net first-year value
First year
+$300
Rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
SwitchWize take
Travel rewards card
Bonus value
See terms
Rewards
1x miles
Annual fee
$0
APR
19.74%-28.74%
Pros & cons
- No annual fee
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
19.74%-28.74% variable
Spend requirement: $1,000 in purchases in the first 6 months
American Express terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
Other cards to compare first
citi
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
wells-fargo
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
chase
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
affinity-fcu
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
Bottom line
Is Delta Skymiles Blue worth it?
Delta Skymiles Blue is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term