American Express
Delta SkyMiles Blue
Delta SkyMiles Blue costs No annual fee and earns up to 2× on dining. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Delta SkyMiles Blue returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 2× dining
- Points value
- 1.3¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Foreign transaction fee
- none
What the Delta SkyMiles Blue earns
Dining
2×
Flights and hotels booked direct
2×
| Category | Rate | Conditions |
|---|---|---|
| Dining | 2× | |
| Flights and hotels booked direct | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Delta SkyMiles Blue right for you?
Enter a typical month. You will see what the Delta SkyMiles Blue returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Delta SkyMiles Blue Top for your numbers
2× dining, 2× travel booked direct; 1× everything else. No annual fee.
Rewards $412 · No annual fee
+$412
2× dining, 2× groceries; 1× everything else. $150 annual fee.
Rewards $474 · Fee −$150
+$324
3× travel booked direct, 2× dining; 1× everything else. $350 annual fee.
Rewards $498 · Fee −$350
+$148
3× travel booked direct; 1× everything else. $650 annual fee.
Rewards $373 · Fee −$650
−$277
How we estimate
- Every rate on this page comes from the card catalog. Delta SkyMiles Blue pays 1× on spending outside the bonus categories listed above, and up to 2× on dining.
- We value this card's points at 1.3¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"delta-skymiles-blue","name":"Delta SkyMiles Blue","fee":0,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["travel"],"rate":2}]},{"key":"delta-skymiles-gold","name":"Delta SkyMiles Gold","fee":150,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["groceries"],"rate":2},{"inputs":["travel"],"rate":2}]},{"key":"delta-skymiles-platinum","name":"Delta SkyMiles Platinum","fee":350,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["groceries"],"rate":2},{"inputs":["travel"],"rate":3}]},{"key":"delta-skymiles-reserve","name":"Delta SkyMiles Reserve","fee":650,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["travel"],"rate":3}]}]}What comes with it
Welcome bonus
Points and partners
Delta SkyMiles
Transferable to airline and hotel partners.
Airlines
Delta Air Lines
Hotels
None
Where this data came from
Checked americanexpress.com 2026-10-05. No annual fee. 2x miles at U.S. restaurants including takeout and delivery and on purchases made directly with Delta, 1x other. No foreign transaction fee. Pay with Miles takes 50 dollars off every 5,000 miles, which is a discount on the award price rather than a credit and is therefore not counted as annual credit value. The card has no published welcome offer and no annual fee credit, so neither is modeled. Added in the October 2026 audit because the other three Delta cards were present and this one was missing.
FAQ
The Delta SkyMiles Blue has no annual fee, so the only thing that matters is what it earns. Its best rate is 2× on dining.
2× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $0 means about $0 a month on dining, where it earns 1.3¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
Yes. It earns Delta SkyMiles, which you can transfer to the partners below. Airlines: Delta Air Lines. Hotels: None. Transfers are what make a 1.3¢ valuation reachable; using the points for cash back is worth far less.
No. The Delta SkyMiles Blue charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.