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® Platinum Select® World Elite™ Mastercard® and Gold Delta SkyMiles® Credit Card, 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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Compare Cards: Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and others
Rewards
Compare Cards: Gold Delta SkyMiles® Credit Card from American Express and others
AAdvantage® miles
Rewards Type
Miles
Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 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 at gas stations*

Earn 2 AAdvantage® miles for every $1 spent at restaurants*

Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines 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 vs Gold Delta SkyMiles 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.
Compare Cards: Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and others
Purchases
Compare Cards: Gold Delta SkyMiles® Credit Card from American Express and others
N/A
Introductory APR
No intro APR7
17.99% - 25.99%* (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.
Compare Cards: Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and others
Balance Transfer
Compare Cards: Gold Delta SkyMiles® Credit Card from American Express and others
N/A
Introductory APR
No intro APR7
17.99% - 25.99%* (Variable)
Ongoing APR
17.74% - 26.74% (V)7
3% of each balance transfer; $5 minimum.
Balance Transfer Fee
n/a7
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.
Compare Cards: Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and others
Fees
Compare Cards: Gold Delta SkyMiles® Credit Card from American Express and others
$99, waived for first 12 months*
Annual Fee
$0 intro annual fee for the first year, then $957
See terms
Late Payment Fee
Up to $387
0%
Foreign Transaction Fee
None7
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.
Compare Cards: Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and others
Cash Advance
Compare Cards: Gold Delta SkyMiles® Credit Card from American Express and others
27.24% (Variable)
Ongoing APR on Cash Advance
27.24% (V)7
5% of each cash advance; $10 minimum
Cash Advance Fee
3% ($5 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.
Compare Cards: Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and others
Travel Features
Compare Cards: Gold Delta SkyMiles® Credit Card from American Express and others
First checked bag free*
Checked Bag
First Checked Bag Free7
See terms
Lounge Acess
Delta SkyClub® access for a reduced fee of $29 per person.7
Preferred boarding*
Priority Boarding
Priority Boarding7
See terms
Wi-fi Credit
See terms
See terms
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 card with Delta card we see that both will give you access to priority boarding and 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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HOW TO CHOOSE THE BEST CREDIT CARDS IN 5 EASY STEPS

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.

LOOKING FOR TRAVEL CREDIT CARDS? SEE MORE CREDIT CARD OFFERS

Best for Miles Earnings

Best for Hotels

Best for Spend Bonus

Compare Cards: Discover it® Miles and others
APPLY NOW
for Excellent, Good Credit
Compare Cards: Citi Premier℠ Card and others
APPLY NOW
for Excellent Credit
Intro APR (on Purch.)
0% (14 months)
0% intro on purchases for 12 months
N/A
Regular APR (on Purch.)
13.99% - 24.99% Variable
13.74% - 23.74% (Variable)
16.49% - 25.49%* (Variable)
Annual Fee
$0
$0
$95, waived for first 12 months*
Rewards Earned
Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.

Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture

Earn 3X Points on Travel, Including Gas Stations

Earn 2X Points on Dining Out & Entertainment

Earn 1X Points on All Other Purchases

Bonus Offer
INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
20000 Miles once you spend $1,000 on purchases within 3 months from account opening
Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
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 AAdvantage Platinum 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.

USER QUESTIONS ABOUT THESE CREDIT CARDS

How do American Airlines miles work?
American Airlines has a loyalty program called AAdvantage. As a member of the AAdvantage program you can earn miles and then use earned miles for award flights on American. Miles are earned when you fly or shop with the partners. While it is...
Read more
I choose best card for American Airlines flights between Aviator credit card and Citi Aadvantage card. I need TSA PreCheck...
Getting a travel rewards card is a great idea. These cards both come with high rewards on travel spendings. For example, you will earn 2x AAdvantage miles on American Airlines purchases with both cards, but the will also give you 2x miles at gas...
Read more
How to earn and redeem Delta SkyMiles rewards?
Today many airlines offer their loyalty programs. That means that you can fly on a specific airline and earn rewards, which you can use to pay for a ticket. Delta also have frequent flyer program named Delta SkyMiles that is revenue-based, meaning...
Read more
Can you recommend the best alternative to the Amex Delta card for someone who mostly flies Delta, but doesn't want the Delta...
Cards offered by airlines sometimes offer features specific to the airline, which may be good for frequent travelers. However, they are limited in use, and especially if your air trips don't come down to Delta flights only, such card is more a...
Read more
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