Our opinions are our own. Do you fly Delta Air Lines with someone at least once a year? If so, then this card should pay for itself. If not, look for a cheaper alternative.

Before you dive in though, you need to understand how airline miles and hotel loyalty points are earned—plus all the moves ...

It's a luxury card for those who fly frequently with Delta and can maximize the card's rich benefits. Those seeking a lower annual fee and more flexibility have other options.