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Blue Delta SkyMiles Credit Card vs. Amex EveryDay Card: Which Earns More SkyMiles?

by on Wed November 29, 2017 • No Comment
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If you are looking to earn the most Delta SkyMiles® from credit cards, American Express now offers two no annual fee cards that can be turned into miles: The Blue Delta SkyMiles® Credit Card and the Amex Everyday® Card. Although each card earns different award programs (Delta SkyMiles® and Membership Rewards® respectively) with different bonus categories, all points can be consolidated into your SkyMiles® account and used towards free flights? So which one should be in your wallet? The short answer is:

  • Get both cards if you fly Delta often and want to turn all your points into Delta SkyMiles®. If you spend $500 per month on Delta flights with the Blue Delta SkyMiles® card and $500 at supermarkets with 20 or more purchases for $1,000 monthly with the Amex EveryDay® Card, you could earn 40,800 SkyMiles annually – after the 20% bonus from the Amex EveryDay® Card and transferring those Membership Rewards points to Delta SkyMiles.
  • If you already have a Delta card, the Blue Delta SkyMiles® card is a good companion for the 2X miles at U.S. restaurants. As we found in our comparison of the Blue and Gold Delta SkyMiles® Credit Cards, spending $500 on the Blue Delta SkyMiles® card on Delta flights and U.S. restaurants monthly followed by $1,000 everywhere else each month could earn you 36,000 miles every year.
  • If Delta is not your primary airline, get the Amex EveryDay® card instead. With the 20% bonus for 20 monthly purchases and 2X points at supermarkets, you could earn more Membership Rewards® points towards other travel rewards with 21 different travel partners. Terms Apply.

This table outlines the key differences between the Blue Delta SkyMiles® Credit Card and the Amex EveryDay® Card:

BenefitBlue Delta SkyMiles® CardAmex EveryDay® Card
Bonus Categories2 miles per dollar on purchases made directly with Delta and at US Restaurants. Terms Apply.2X Points
at U.S. supermarkets on up to $6,000 per year in purchases (then 1X). Use your Card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases less returns and credits. Terms Apply.
Transfer PartnersNo Transfer Partners19 different transfer partners towards travel rewards.
Introductory APR16.74% to 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. Rates & Fees0.0% introductory APR for the first 12 months. After that, your APR will be 13.99% to 23.99%, based on your creditworthiness and other factors as determined at the time of account opening. Rates & Fees
Annual FeesNo annual feeNo annual fee

The Amex EveryDay® Card: Pros and Cons

Pros:

  • No annual fee
    While Amex EveryDay® Card is one of two American Express cards which earns Membership Rewards® points for spending with no annual fee attached, it earns the most points for spending. With a very broad bonus category and 20% extra points when you use the card 20 or more times in a billing cycle, this card offers plenty of potential to earn points. Terms Apply.
  • 2X points at U.S. Supermarkets
    While this card offers only one bonus category, it is a very broad category that everyone can relate to. You can earn 2X Membership Rewards® points for spending at U.S. supermarkets, up to $6,000 every calendar year. Your purchase options aren’t limited to groceries either: anything you purchase at a supermarket counts. If you spend around $500 every month at supermarkets, you could earn 12,000 points annually by using this card before the 20% bonus for using your card 20 times or more kicks in.
  • Membership Rewards® transfer partners
    Arguably, the best use of Membership Rewards® points is to transfer them to other travel partners. When you earn points, they can be transferred to many different airlines or hotels at a 1:1 ratio, including:

When using your points directly through these carriers, you can often get more than one cent per point value on your awards.

Cons:

  • Limited bonus potential
    Although the 2X Membership Rewards® bonus at supermarkets is generous, it does come with some limitations. First, unlike other American Express cards that offer bonuses in the category, it only counts on the first $6,000 in spending every calendar year. Plus, your spending at warehouse stores (like Sam’s Club) does not count in the “supermarket” category. If you do a lot of grocery shopping at a warehouse store, this card may not offer you the biggest rewards.
  • 20% bonus dependent on card usage
    Another unique feature of the Amex EveryDay® Card is the ability to earn 20% more points when you use your card 20 or more times during every billing period. But the bonus only triggers with usage. If you do not plan to make this one of your primary spending cards, you could lose out on earning the full potential of your points.
  • Low value on Membership Rewards®
    Finally, Membership Rewards® points have a low value when used on their own. If you redeem them for travel through American Express, your points are only valued at 1 cent each. Using those same points for merchandise gives you an even lower return. Unless you have plans to use the points by transferring to another partner, collecting Membership Rewards® may not provide strong overall value.

The Blue Delta SkyMiles® Credit Card: Pros and Cons

Pros:

  • Unlimited 2X miles at Delta and U.S. restaurants
    While the Amex EveryDay® Card has limited bonus categories, there are no limits to how many miles you can earn with the Blue Delta SkyMiles® Credit Card. You can earn 2 miles per dollar spent on purchases made directly with Delta and on purchases at U.S. restaurants, giving you effectively unlimited return with each card swipe. Terms Apply.
  • 20% savings when flying Delta
    Another key pro of the Blue Delta SkyMiles® Credit Card over the Amex EveryDay® card is the 20% in-flight savings. When you use the Blue Delta SkyMiles® Card for food, beverages and audio headsets on your flight, you will receive a 20% savings in the form of a statement credit. It’s important to note that some in-flight purchases do not qualify, like wi-fi charges.
  • Delta SkyMiles® never expire
    Although Membership Rewards® do not expire so long as you hold an American Express card that earns those points, Delta SkyMiles® truly never expire. So if you use your SkyMiles and decide to pursue another program, it’s okay: you will still be able to go back and add to any existing miles balance.

Cons:

  • International transaction fees
    As we pointed out in our previous critique, the Blue Delta SkyMiles® Credit Card is the only Delta-branded card that adds international fees when you use it outside of the country. While 2.7% sounds like a small number, it adds over a quarter to every $10 you spend on the card while abroad – which can reduce savings you would have from currency changes.
  • No free checked luggage or priority boarding
    Another major downside of the Blue Delta SkyMiles® Credit Card is that it comes with very few benefits at the airport. Holding this card will not get you one free checked bag when flying Delta, nor will it give you priority boarding on your tickets, making it the only Delta card to offer no flight benefits.
  • No transfer options
    Finally, Delta SkyMiles® are only usable for Delta flights. Unlike Membership Rewards® points, your miles can’t be transferred to any other partners. If you don’t plan on flying Delta at all, you will get zero value out of holding this card.

Should I get both credit cards?

If you regularly fly aboard Delta and want to maximize your points earning potential through credit card spending, it makes sense to get both the Amex EveryDay® Card and the Blue Delta SkyMiles® Credit Card. If you maximize the bonus categories every year – $500 in supermarket spending and $1,000 everywhere else and 20 transactions monthly on the Amex EveryDay® Card, and $500 per month between U.S. restaurants and Delta on the Blue Delta SkyMiles® Credit Card, you could earn over 40,000 SkyMiles® every year. That is 6,000 more than just using the Blue Delta SkyMiles® Credit Card and 4,000 than using the Amex EveryDay® Card alone and transferring points to miles. Use our calculator to see how your spending habits can earn you Delta SkyMiles®.

However, this plan has some limitations. First, you may not necessarily qualify for the Blue Delta SkyMiles® Credit Card welcome bonus if you currently have or have had this card or the Delta SkyMiles® Options Credit Card, or currently have or have had one of the following products in the last 90 days: the Delta SkyMiles® Credit Card, Gold Delta SkyMiles® Credit Card, Platinum Delta SkyMiles® Credit Card, or the Delta Reserve® Credit Card. The welcome bonus on the Amex EveryDay® Credit Card is not available if you currently have or have had the card.

Second, while American Express doesn’t have strong application limits, other banks have hard rules about when you can apply for a new credit card. If you have applied for more than 4 credit card over the past 24 months and plan on applying for a new Bank of America or Chase credit card, you may not want to get both credit cards.

Are there other no annual fee alternatives?

If you do not plan to fly on Delta as your primary airline, there are some alternative cards you should consider. The Chase Freedom Unlimited® card earns unlimited 1.5% cash back with every purchase, which can be converted to Ultimate Rewards® points if you hold a Chase Sapphire Preferred® Card or Chase Sapphire Reserve℠ card. Like Membership Rewards®, Ultimate Rewards® points can be used many ways, from directly paying for travel costs, or transferring to travel loyalty programs.

Citi also has no fee options, but the best among them may be the Citi® Double Cash Card. This card returns 1% on purchases and 1% as you pay for those purchases in full or over time. If you would rather have flexibility in your travel rewards through cash back, holding the Citi® Double Cash Card may give better overall returns.

The following two tabs change content below.

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee

Yes

Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

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