Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
3x
Travel
3x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 1.5X on single eligible purchases of $5K or more (50k mile cap per calendar year).
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseDelta Airlines3×
- TravelHotels3×
- Everything elseAll Purchases1×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Global Entry$100/yr
Get one $100 statement credit for Global Entry (every 4 years) or one $85 statement credit for TSA Pre-Check (every 4.5 years).
Benefits
- Free Checked Bag$30/yr
Get your first checked bag fee waived on eligible Delta flights for you and up to eight other passengers.
- Companion Certificate
Get two roundtrip tickets for the price of one plus taxes and fees of the companion ticket.
- SkyClub Access$15/yr
Access to the Delta Sky Club at $39 per person when traveling on Delta or Delta partner airline flight. You may bring up to two guests or immediate family at $39 per person.
- 20% In-Flight Savings
Get 20% savings in the form of a statement credit on eligible pre-purchased meals, and in-flight purchases of food, alcoholic beverages and audio headsets, on Delta-operated flights.
- MQD Waiver
Qualify for Platinum, Gold and Silver Medallion Status if you have earned the required MQMs or MQSs and spent $25,000. Qualify for Diamond Medallion Status if you have earned the required MQMs or MQSs and spent at least $250,000.
- Priority Boarding
Get Main Cabin 1 Priority Boarding on Delta flights. Benefit is limited to Basic Card Members (not Additional Card Members).
- Status Boost
Spend $25,000 and receive 10,000 MQMs. Spend $50,000 or more and receive an additional 10,000 MQMs. For January 1, 2021 through December 31, 2021, you will be awarded an additional 2,500 bonus MQMs for each tier.
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
- Cell Phone Protection
Receive cell phone protection by paying your bill each month. Max $800 per claim, up to 2 claims per 12-month period, $50 deductible.
Transfer partners
Where this card's points can go, and at what ratio. 12 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $350 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.