Expert Flyer | CreditCards.com

Expert Flyer's Top Picks

best low annual fee card for earning miles

Delta SkyMiles® Gold American Express Card

Our rating:4.0

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

2X: Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
1X: Earn 1X Mile on all other eligible purchases.

Intro offer: Earn 40,000 Miles Earn 40,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 6 months of Card Membership.

Annual fee: $0 introductory annual fee for the first year, then $150.

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Highlights

Earn 40,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 6 months of Card Membership.
Enjoy a $0 introductory Annual Fee for the first year, then $150.
Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
$200 Delta Flight Credit: After you spend $10,000 in purchases in a year, you can receive a $200 Delta Flight Credit to use toward future travel.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
You can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight.
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
$100 Delta Stays Credit: Delta SkyMiles® Gold American Express Card Members can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Terms Apply.

Rates & Fees

Annual Fee: $0 introductory annual fee for the first year, then $150.
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

best for earning miles daily

Delta SkyMiles® Platinum American Express Card

Our rating:4.4

See Rates & Fees, Terms Apply

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Rewards rate

3X: Earn 3X Miles on Delta purchases and purchases made directly with hotels.
2X: Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
1X: Earn 1X Miles on all other eligible purchases.

Intro offer: Earn 50,000 miles Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.

Annual fee: $350

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Highlights

Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.
Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
$120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
$120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
Enjoy your first checked bag free on Delta flights.
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or up to $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
No Foreign Transaction Fees.
$350 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $350
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

best for earning intro bonus miles

Delta SkyMiles® Reserve American Express Card

Our rating:4.3

See Rates & Fees, Terms Apply

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Rewards rate

3X: Earn 3X Miles on Delta purchases.
1X: Earn 1X Miles on all other eligible purchases.

Intro offer: Earn 60,000 miles Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.

Annual fee: $650

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Highlights

Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.
Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve American Express Card design.
Enjoy complimentary access to the Delta Sky Club® and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Receive four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
$240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
$120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
No Foreign Transaction Fees.
$650 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $650
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

Discover it® Miles

Our rating:4.1

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Rewards rate

1.5X: Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

Intro offer: Discover Match® Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Annual fee: $0

Regular APR: 17.24% - 28.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase
No annual fee
Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Discover is accepted nationwide by 99% of the places that take credit cards.
Terms and conditions apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR for 15 months
Regular APR: 17.24% - 28.24% Variable APR
Intro Balance Transfers APR: 0% Intro APR for 15 months

Chase Sapphire Preferred® Card

Our rating:4.9

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Rewards rate

5x: 5x on travel purchased through Chase Travel℠.
3x: 3x on dining, select streaming services and online groceries.
2x: 2x on all other travel purchases.
1x: 1x on all other purchases.

Intro offer: 75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Annual fee: $95

Regular APR: 21.49% - 28.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC

Rates & Fees

Annual Fee: $95
Intro Purchase APR: N/A
Regular APR: 21.49% - 28.49% Variable
Intro Balance Transfers APR: N/A

Capital One Spark Miles for Business

Our rating:4.2

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Rewards rate

5x: Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
2X: Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

Intro offer: 50,000 miles Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

Annual fee: $95, waived first year

Regular APR: 26.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Highlights

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases

Rates & Fees

Annual Fee: $0 intro for first year; $95 after that
Intro Purchase APR: N/A
Regular APR: 26.24% (Variable)
Intro Balance Transfers APR: N/A

Expert Flyer's Recommended Credit Cards

How we Choose

Delta SkyMiles® Gold American Express Card

Rewards rate

Highlights

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Delta SkyMiles® Platinum American Express Card

Rewards rate

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Delta SkyMiles® Reserve American Express Card

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Discover it® Miles

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Chase Sapphire Preferred® Card

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Capital One Spark Miles for Business

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Delta SkyMiles® Gold American Express Card

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At A Glance

Delta SkyMiles® Platinum American Express Card

Rewards rate

At A Glance

Delta SkyMiles® Reserve American Express Card

Rewards rate

At A Glance

Discover it® Miles

Rewards rate

At A Glance

Chase Sapphire Preferred® Card

Rewards rate

At A Glance

Capital One Spark Miles for Business

Rewards rate

At A Glance