American Express and Delta Offer Advances on Travel Miles

Advertiser Disclosure

This page includes analysis of our favorite cards from The Simple Dollar's advertisers and the marketplace. Visit our advertiser disclosure to learn more.

You’ve heard of Buy Now, Pay Later? Some American Express-Delta cardmembers have the option to Fly Now, Earn Later.

The Fly Now, Earn Later feature lets you use travel miles you haven’t yet earned, effectively giving you an advance on travel rewards. It’s available to holders of select co-branded American Express-Delta credit cards, such as the Blue Delta SkyMiles® Credit Card from American Express and the Gold Delta SkyMiles® Business Credit Card from American Express.

How does it work?

To see how many Fly Now, Earn Later miles you may have available, follow these steps:

  • Log in to your American Express account
  • Click Benefits
  • Click Request Fly Now, Pay Later

Borrowing miles with Fly Now, Earn later will leave you with a balance. You’ll have a 6-month window to pay back the borrowed miles. If you still have an outstanding balance at the end of 6 months, it will cost you 2.5 cents per mile.

Luckily, you will continue to earn miles as you use your card for purchases made directly with Delta and other eligible purchases.

When and how to use it

For example, say you’ve planned a big (and expensive) overseas trip. You’re looking for ways to cut costs, but you don’t have quite enough miles on your American Express-Delta card to qualify for a free flight. Borrowing miles with Fly Now, Earn Later can get you over the threshold.

However, be sure to apply miles to your Fly Now, Earn Later balance over the next 6 months to avoid that 2.5-cent per mile charge. Whether it’s dollars or travel miles, always pay back what you borrow.

Editorial Note: Compensation does not influence our rankings and recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Loading Disqus Comments ...
Loading Facebook Comments ...