Amex Delta Blue
American Express
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Full referral termsIs the Amex Delta Blue right for you?
The Amex Delta Blue is a no-annual-fee Delta SkyMiles card from American Express. Its strongest everyday earning is 2x on Delta Purchases, with 1x on most other purchases. With no fee, the question is simply whether 2x on Delta Purchases beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on Delta Purchases, where it earns 2x
- ✓ Regular Delta Sky customers who will redeem with that program
- ✓ Anyone who wants Delta Purchases rewards without paying an annual fee
Who should skip it
- — People with no loyalty to Delta Sky
- — Heavy spenders outside Delta Purchases — everything else earns 1x
First-year value estimate
Year two, without the welcome bonus: about $150 before credits ($150 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Delta Purchases (2x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- Welcome bonus: 10,000 Delta SkyMiles at 1¢ each (OpenCard valuation) ≈ $130.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.
How it compares
Rules and gotchas
- The welcome bonus requires $500 in 3 months — roughly $167 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the Amex Delta Blue have an annual fee?
- No. Our record lists a $0 annual fee for the Amex Delta Blue.
- What does the Amex Delta Blue earn?
- 2x on Delta Purchases, 2x on restaurants, and 1x on other purchases.
- Is the Amex Delta Blue worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Delta Purchases), the first year comes out around $280 before credits, including a welcome bonus valued at $130. Year two drops to about $150 before credits.
- What credit do I need for the Amex Delta Blue?
- Our record lists "Good" credit as the typical target for the Amex Delta Blue. American Express makes the final decision based on its own criteria.
Earning Rates
Insurance
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Last Updated: Oct 3, 2026