Can you recommend the best alternative to the Amex... - Travel with Credit Cards Questions


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Credit Card Applications » Questions » User Questions » Travel with Credit Cards » Can you recommend the best alternative to the Amex Delta card for someone who mostly...

Can you recommend the best alternative to the Amex Delta card for someone who mostly flies Delta, but doesn’t want the Delta card? I’m just looking to build up miles as much as possible, to redeem on Delta flights. Do a lot of travel and dining purchases.

Answered on | Updated on April 25th, 2017
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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 pain, than a gain. Besides, those specific features are useless by and large, few people really know about them, let alone use regularly.

As a good alternative, you can apply for a miles rewards credit card offered by a major bank (American Express, Citi, Discover, etc.). There are travel credit cards that will allow you to earn two miles on all your purchases, which is not offered by the Delta card. Also travel rewards credit cards are cheaper as they do not have benefits you might not need. Travel rewards credit cards will allow you to earn miles everywhere and redeem earned miles with any airline of your choice, including with Delta. The Discover it® Miles card is a good example of a travel rewards credit card.

The perks that Discover offers are the following:

  • 1.5 miles on all purchases;
  • Discover matches all the miles you've earned at the end of the first year. For example, if you've earned 30,000 miles, you'll get 60,000 miles (for new cardmembers);
  • the miles you've earned never expire;
  • there's no annual fee, ever;
  • there's a 0% intro APR period of 14 months on purchases, which rivals most of the premium cards (note that when the introductory interest rate is over, the ongoing APR of 14.24% - 25.24% Variable will apply);
  • there's no foreign transactions fee.

All of this makes Discover it® Miles unparalleled, as there is no other card that offers such a combination of no annual fee, decent bonuses and a good rewards bonus. It's cheap and profitable at once.

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All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
  • Jennifer

    I am an avid traveler and recommend discover miles. I like to earn as many rewards as possible from my card. Plus you get the great customer service that I have come to expect from Discover.

    • Brad

      the Discover It card?? thanks

  • Evelyn

    I am debating whether to get a Delta Card, or switch to a general card like the Discover It Miles card. How would you value the extra perks for the Delta cards that aren’t available on the general cards such as the companion certificate, free checked bags, and seating upgrades?

    • Ruth

      Most of the special perks available on airline cards are extremely difficult to use, for example, to get the Companion Ticket benefit you need to be a member for over a year, And even if you pay $200 to become a member, it’s still difficult.
      It’s really better to use a general card, as you mentioned Discover Miles is a good option over most of the cards

  • robert

    I applied for a delta credit card because of its bonus offer. But I couldn’t meet spending requirements and didn’t get this bonus :-(
    Next time I will apply for one of discover cards, which don’t have spending requirements for earning bonus

  • MichaelMichael

    I always use regular credit cards and I never have had any problems to book flight on a chosen date

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