Increased Delta Amex Welcome Offers
Some new increased Delta Amex welcome offers launched in the last week and I figured it would be helpful to rank them in terms of value. Remember that the personal cards are only good for people over (and not trying to get back under) Chase 5/24. The business cards are good for anyone since they won't add to your 5/24 count. Also it is important to remember the Delta Amex family rule for personal cards. Start from the bottom (which is also the most valuable) up. The business cards do not have the family rule so you can go in any order at this time.
Update 2/4/26: New offers are out so I have updated the rankings.
Update 4/1/26: These offers end today.
**These Offers May Have Changed Since Publishing This Article.
How I Came Up With The Rankings
I'll rank the cards from worst to first in terms of value. For the Delta Skymiles I will give them a valuation of 1.15 cents per point. If the values are close for two cards, then I will take any perks or earning structure into account as well. The business cards will get a little extra value added to them since they are useful to more people because of Chase 5/24.
The Delta cards have quite a few “perks”, or coupons as we like to say, to consider as well. You will have to decide what value you give each of them yourself and add that value back in. I am giving them a value of $0 for our purposes here. I actually think that will be close to what many end up coming up with for themselves anyway.
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Full Reviews & How You Can Support ToP
If you would like to see the full review on any of the cards you can click the links on the card names for each below. If you would like to apply for one, and would like to support ToP, then you can use the affiliate links in the full credit card reviews. Remember that if you have a player 2 referral that is the better option for you. If not, we always greatly appreciate the support!
Delta Card Rankings
Here are the rankings, from 6th all the way up to 1st!
6th – Delta Reserve Personal Card
Probably no surprise that the most expensive personal card is first up on our rankings. This is of course putting the value of the lounge access, and a bump in the upgrades pecking order, at zero value. Here are the terms for the current welcome offer:
- Earn 125,000 bonus miles after you spend $6,000 in purchases on your new card in your first 6 months. Terms Apply
- The Delta Reserve card has a $650 annual fee which is NOT waived.
- Final value – $787.50
This is a perks card through and through, just like the business version. It is also a card best suited for the frequent Delta flyer that doesn't have an Amex Platinum or Business Platinum for lounge access. Remember that this one will hurt your 5/24 status as well, and it will completely destroy you via Amex family rules if you're not careful.
5th – Delta Reserve Business
Next up is the most expensive business card. I give the Reserve Business a slight edge on the personal version because it doesn't count towards your 5/24 status. Especially since they usually have the same amount of bonus miles offered on each card. The spending requirement could be out of reach for some though. The good thing is they give you 6 months to complete it at least.
- Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership.
- The card has an annual fee of $650.
- Final value – $787.50
This is nothing more than a perks card for frequent Delta flyers and will not be useful to most. It is worth even less if you already have lounge access thanks to the Amex Platinum or Amex Business Platinum cards though.
4th – Delta Platinum Personal Card
After a drop to the very bottom last time around, the Platinum personal card is back in its 4th place spot. While the card has some decent 2x earning opportunity, you can do better in those categories with other cards in your wallet. While it is the least valuable card in the first year it could be a decent long term option for frequent Delta flyers because of the companion pass it offers each year. If you don't struggle to use it then it will likely offset your cost.
- Earn 100,000 SkyMiles after $6,000 in eligible spend in 6 months. Terms Apply.
- The card has a $350 annual fee which is NOT waived.
- Final value – $800
Remember the family rules for this card and that it will count against your 5/24 count.
3rd – Delta Platinum Business Card
Coming in with the bronze medal is the business version of the Delta Platinum card. It is nice to see that the spending required is not significantly higher than the personal version this time around. Having it not count 5/24 also adds a small boost to this card's ranking. The card comes with the same MQD head start as the personal card, which could be useful to some. The earning structure is a bit worse though, and the annual fee has been increased on this one too.
- Earn 100,000 bonus miles after spending $8,000 in purchases on your new card in your first 6 months. Terms Apply
- The card has an annual fee of $350.
- Final value – $800
If you can use the companion pass easily that comes with the card then this could be a decent long term keeper option too.
2nd – Delta Gold Personal Card
Coming in second by the hair on it's chinny chin, chin is the Gold personal card. Even though the annual fee increased on the personal and business Gold cards, the annual fee is still waived the first year. That helps out a lot in these calculations, even if the miles offered are a bit lower than the premium cards. You also get the bags perk and 15% off award flights without that annual fee the first year. This is a card for when you're over 5/24 though. I should mention that you are getting over $100 more value this time around versus the previously increased offer.
- Earn 90,000 bonus miles after you spend $5,000 purchases on your new Card in your first 6 months. Terms Apply
- This card has a $150 annual fee, which IS waived for the first year.
- Final value – $1035
If you are over 5/24 and looking for a personal Delta card, then this is where you want to start. It is the best way to stay on top of the Amex family rules.
1 – Delta Gold Business
The card offering the most value in the first year for the majority of people is the Delta Gold Business card. Do you want a good sized welcome offer, no annual fee the first year, free checked backs and 15% cheaper award flights? Well, look no further then the Delta Business Gold card. Here are the terms of the current welcome offer:
- Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply
- The card has an annual fee of $150, which IS waived for the first year.
- Final value – $1,035
If you have never held a Delta credit card then this is where I would start.
Increased Delta Amex Welcome Offers: ToP Thoughts
As with all things, these rankings may shake out a bit differently for you depending on your personal situation. It will also depend what level of spend you can handle. Although, with these giving you 6 months to complete the required spend it should be possible for most people. I will say that this list is a little bit of a shake up from last year when the business and personal Reserve cards were by far the worst options. It just goes to show how much a big jump in the welcome offer can make a big difference. You will have to figure out if the perks that some of the cards offer change your own calculations beyond the welcome offers though. If you have any questions on this increase Delta Amex welcome offers card rankings hit me up in the ToP Facebook Group.
