American Express
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
21,000 points a year at 1.37¢ = $288, $270 of credits you'd actually use, minus the $350 annual fee = $208 a year. The 90,000-point welcome bonus adds $1,233 in year one.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 1× Delta SkyMiles | none |
| Flights, hotels and transport | 3× Delta SkyMiles | none |
| Groceries | 2× Delta SkyMiles | none |
| Everything else | 1× Delta SkyMiles | none |
3x on Delta purchases and hotels, 2x at restaurants and supermarkets.
Delta SkyMiles points are worth about 1.37 cents each on our published table, our own. What Delta SkyMiles points are worth →
90,000 Delta SkyMiles — about $1,233 — after $4,000 of spending in 6 months. The example spending above clears that.
Credits count for $270 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. $120 Resy credit, $150 Delta Stays credit. Companion certificate not counted.
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We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.