Compare Co-branded Credit Cards: Delta VS American Airlines


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Compare Airline Credit Cards to Choose the Best One!

When you cannot decide between two travel credit cards the best way out would be comparing them. Below you can compare some popular travel credit cards using our convenient comparison tool. By default, we compare the Citi® / AAdvantage® Executive World Elite Mastercard® and Gold Delta SkyMiles® Credit Card from American Express, but you can change the pair of cards if you wish.
for Excellent Credit
Compare Cards: Gold Delta SkyMiles® Credit Card from American Express and others
change card
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AAdvantage® bonus miles
Rewards Type
Earn 50,000 AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
Rewards Bonus
Earn 30,000 Bonus Miles after you make $1,000 in purchases on your new Card within your first 3 months.7
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases

Earning Rewards
Earn 2 miles per dollar spent on Delta purchases.7

Earn 1 mile per eligible dollar spent on everyday purchases.7

18 months from your last activity date*
Rewards Expiration
Miles don't expire7
Use your miles for travel on American Airlines, American Eagle®, any oneworld® airline or any partner airline
Redemption Options
Miles are redeemable toward travel on Delta and more than 15 airline partners.7
The whole idea of getting a travel credit card is to earn rewards towards your future travel. For example, when we compare Citi® / AAdvantage® Executive World Elite Mastercard® vs Gold Delta SkyMiles® Credit Card from American Express offers, we see that credit card rewards rates are practically the same whereas AAdvantage's card bonus is much higher. Do not forget to check out the redemption rules to insure you will be able to use earned rewards.
Introductory APR
No intro APR7
17.74%-25.74%* (Variable)
Ongoing APR
17.74% - 26.74% (V)7
Chances are you will put your travel expenses on to your new travel rewards credit card, and since your travel can be quite costly, you may need a little help paying off the card balance. A 0% intro APR period will be extremely welcome in this situation. With 0% intro APR you may spread payments over zero introductory period without overpaying.
Balance Transfer
Introductory APR
No intro APR7
17.74%-25.74%* (Variable)
Ongoing APR
17.74% - 26.74% (V)7
3% of each balance transfer; $5 minimum.
Balance Transfer Fee
3% ($5 min)7
While balance transfers do not usually earn rewards, it could be a great opportunity to pay off some debt by transferring it to your new travel credit card. If you do not carry balances, you do not overpay and interest won't eat up your rewards.
Annual Fee
$0 intro annual fee for the first year, then $957
Up to $39
Late Payment Fee
Up to $397
Foreign Transaction Fee
It may be great when a credit card is full of benefits, but you should know how much it will cost you. Do not forget to check out all possible fees and charges to make sure you know what you are paying for.
Cash Advance
27.24% (Variable)
Ongoing APR on Cash Advance
27.24% (V)7
5% of each cash advance; $10 minimum.
Cash Advance Fee
5% ($10 min)7
Up to 29.99% (Variable)
Penalty APR
29.99% (V)7
Whether you need cash while abroad or simply in a situation when credit cards are not accepted, you should always know how much cash advance will cost you. It is not only about the fee, but also about an interest rate. In addition to the fees, you will want to know the amount you are allowed to withdraw to avoid sticky situations.
Travel Features
First checked bag is free*
Checked Bag
First Checked Bag Free7
Complimentary Admirals Club® lounge access for authorized users
Lounge Acess
Delta SkyClub® access for a reduced fee of $29 per person.7
Priority boarding*
Priority Boarding
Priority Boarding7
See terms
Wi-fi Credit
See terms
Up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre✓®.*
Global Entry/TSA PreCheck
See terms
Another reason to have a travel credit card in your wallet is benefits it offers. However, not all travel cards have benefits you need. The set of benefits vary from issuer to issuer. When we compare American Airlines co-branded credit cards with Delta card we see that both credit cards give access to priority boarding and will give you free first checked bag whereas other benefits may differ.
Compare Cards: Gold Delta SkyMiles® Credit Card from American Express and others
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When you're looking for the best credit card, you may find that not all so-called best offers are good for you. The reason is simple - we all have different needs and requirements. Therefore, one best credit card is not necessarily best for each and every person. Below we offer you five things that are important to consider when choosing a best credit card.
  1. 1. Rewards Program

    Probably the first thing we look at is a rewards program. Rewards can be given in a form of miles, points or cash back. If you are after specific rewards, you can search by rewards type. However, we would recommend you looking at your expenses first. Since many cards offer higher rewards in specific shopping categories, it's worth understanding where you spend more to make sure you will earn maximum rewards.
  2. 2. The Interest Rate

    Even though you most likely will be paying off the card balances in full on your travel credit card, it is worth comparing interest rates. Some travel credit cards have a 0% intro APR for about a year. With this benefit, you will have some time to pay off an expensive travel without paying a penny in interest. The zero introductory period won't last forever, so check out a go-to interest rate and when it applies as well.
  3. 3. Fees and Penalties

    An annual fee of a travel credit card may be as high as $500 and if you choose a credit card with a high annual fee, you should make sure it's justified. You won't want to pay for something you do not use, so make sure the card's benefits are worth the annual fee. If you do not use credit card benefits, then look for the no annual fee credit cards.
  4. 4. Balance Transfer Opportunity

    If a travel credit card has a 0% intro APR on balance transfers, see if it allows to earn rewards for transferring a balance. It is a rare benefit these days, but still offered by some issuers. The number of rewards you may earn on balance transfers is limited, so make sure you are aware of all the caps and terms. Also, there can be a balance transfer fee which is usually around 2%-5% of the amount transferred.
  5. 5. Card for Your Lifestyle

    Airline credit cards are designed for frequent travelers who fly more than two times a year. If you board a plane just once a year or even less, then having an airline credit card will be a waste of time - you won't be able to accumulate rewards fast enough to get an award ticket. Travel rewards credit cards are ideal for occasional travelers as they allow to earn rewards fast on everyday purchases.


Best for Miles Earnings

Best for Hotels

Best for Points Earnings

Compare Cards: Discover it® Miles and others
for Excellent/Good Credit
Compare Cards: Citi Rewards+℠ Card and others
for Excellent, Good Credit
Intro APR (on Purch.)
0% (14 months)
0% intro on purchases for 12 months
0% 15 months on Purchases
Regular APR (on Purch.)
13.99% - 24.99% Variable
14.24% - 24.24% (Variable)
15.49% - 25.49% (Variable)
Annual Fee
Rewards Earned
Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.

Earn 1.25X miles on every purchase, every day

Earn 10X miles on thousands of hotels, through January 2020; learn more at

The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.

Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

Bonus Offer
UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
20000 Miles once you spend $1,000 on purchases within 3 months from account opening
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at
It is easier to find a best credit card when you know what benefits and features your new credit card should have. When you have several options, comparing them can help you make your decision. If you cannot choose between Delta SkyMiles credit card and Citi® / AAdvantage® Executive World Elite Mastercard® credit card, calculating potential earnings and expenses may help. Or you can simply apply for a general travel card to maximize your rewards. Whichever card you choose, remember that it should work for you all the time: whether you travel or simply buy a morning coffee at a local cafe.


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