Delta SkyMiles^® Platinum American Express Card Review: A Mid-Tier Travel Card Packed with Delta Perks

If you fly Delta a few times a year and like the idea of using everyday spending to fund your next getaway, the Delta SkyMiles^® Platinum American Express Card might be just the travel companion you’re looking for. Imagine booking a trip and skipping baggage fees, breezing past the boarding line and knowing you’ve already saved miles on your flight thanks to the built-in 15% discount on award travel (terms apply). Add in a companion certificate that provides a two-for-one travel deal (terms and other restrictions apply), and it’s easy to see how the card’s $350 annual fee can pay for itself quickly.

Plus, your everyday purchases get you closer to your next Delta flight and even toward elite Medallion® Status. If you’re loyal to Delta, it’s a card that works hard behind the scenes. But if you prefer to shop around for flights or don’t travel often, a more flexible or lower-fee card might better suit your journey.

Recommended credit: Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion Good / Excellent

Rewards Rate: 1X - 3X miles

• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• Earn 1X Miles on all other eligible purchases.
  

Welcome offer: 60,000 miles

• Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Rates

• Intro purchase APR: N/A
• Regular purchase APR: 19.74%-28.74% Variable
• Intro balance transfer APR: N/A
• Regular balance transfer APR: N/A
• Regular cash advance APR: 28.99% Variable
• Penalty APR: 29.99% Variable

Fees

• Annual fee: $350
• Balance transfer fee: N/A
• Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
• Foreign exchange fee: None
• Late fee: Up to $40

Other benefits

→ See the best airline credit cards.

• Generous welcome offer

  Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Delta SkyMiles are worth around 1.1 cents, depending on how you redeem them, making the welcome offer worth around $990.

  This welcome offer stands out because it typically provides enough miles for at least one round-trip flight, easily covering the card’s annual fee. It’s a great way to kick off your travels and start saving from day one.

  → Learn more about how many airline miles you need for a free flight.

• Earn Delta SkyMiles on travel and everyday purchases

  Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.

  What sets this card apart is that you earn miles not just on Delta flights, which is ideal for frequent travelers, but also on directly booked hotels. On top of that, you earn extra miles at restaurants worldwide and U.S. supermarket purchases, so even your weekly grocery trips or nights out can help fund your next trip.

  That said, redemptions are worth around 1.1 cents per mile by our estimates, depending on how you redeem. Compared to other airline rewards programs, this tends to be on the lower side:

  	Average value of one mile*
  American Airlines AAdvantage	$0.017
  Southwest Rapid Rewards	$0.013
  United MileagePlus	$0.013
  Delta SkyMiles	$0.011
  JetBlue TrueBlue	$0.010

  *Based on LendingTree’s value methodology

  → Learn more about how much airline miles are worth.

• Delta SkyMiles^® Platinum American Express Card travel perks

  Path to Medallion Status

  You can get a head start on Delta Medallion Status with both an MQD Headstart and an MQD Boost. Delta SkyMiles^® Platinum American Express Card members can receive $2,500 Medallion Qualification Dollars (MQDs) each Medallion Qualification Year, getting you halfway to Silver Medallion Status, which starts at $5,000 MQDs. Plus, you’ll earn $1 MQD for every $20 spent on purchases with your card throughout the calendar year.

  Reaching this status unlocks valuable perks including complimentary upgrades, no baggage fees and other exclusive benefits with Delta and its partners (terms apply).
   

  15% off on Delta award flights

  Get 15% off when you book award travel with miles:

  1. Go to delta.com or the Fly Delta app
  2. Log into your Delta SkyMiles account
  3. Choose “Shop with Miles” when searching for Delta flights
  4. The 15% discount will automatically be applied to the miles needed (terms apply)

  Note: The discount applies only to the miles portion of Delta-operated award tickets and doesn’t cover taxes or fees. Partner-operated flights are not eligible.
   

  20% back on in–flight purchases

  Get a 20% savings in the form of a statement credit after you use your card on eligible Delta in-flight purchases of food and beverages.
   

  Annual companion certificate

  Get a main cabin round-trip companion certificate to select destinations each year after card renewal. The companion certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
   

  First checked bag free on Delta flights

  Primary cardholders receive the first checked bag free on Delta flights for themselves and up to nine eligible passengers on the same reservation (terms apply). That’s a savings of up to $70 per person on round-trip flights. If you fly Delta frequently or with other people, this one card benefit may offer enough value alone to justify the card’s annual fee.
   

  Complimentary upgrade list

  Card members with an eligible ticket will be added to the complimentary upgrade list after Delta SkyMiles Medallion Members and Delta SkyMiles^® Reserve American Express Card members.
   

  Fee credit for Global Entry or TSA PreCheck®

  Upon enrollment, you can receive one of the following:

  1. A statement credit every 4 years after you apply for Global Entry (up to $120)
  2. A statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85)

  You have to pay the application fee with your Delta SkyMiles^® Platinum American Express Card. If approved for Global Entry, you’ll receive access to TSA PreCheck® at no additional charge.
   

  Hertz Five Star® Status

  Get Hertz Five Star® Status when you add your Hertz Gold Plus Rewards Account number to your Delta SkyMiles account associated with your card. Enrollment is required.

• Over $300 in statement credits

  • Up to $150 Delta Stays credit
    Get an annual statement credit of up to $150 after you use your card to book prepaid hotel stays or vacation rentals through Delta Stays on delta.com.
  • Up to $120 Resy credit
    Get up to $10 in statement credits each month when you use your card to dine at U.S. Resy restaurants or make other eligible Resy purchases — up to $120 in statement credits annually. Enrollment is required.
  • Up to $120 rideshare credit
    Get up to $10 in statement credits each month when you use your card on U.S. rideshare purchases with select providers — up to $120 back each year. Enrollment is required.

• Travel and purchase protections

  The Delta SkyMiles^® Platinum American Express Card offers solid travel and purchase protections, especially for a mid-tier travel card. You’ll get:

  • Trip delay insurance¹
  • Car rental loss and damage insurance²
  • Baggage insurance plan³
  • Global Assist hotline⁴
  • Purchase protection³
  • Extended warranty³
  • Cell phone protection⁵

  However, there are a few drawbacks. Unlike some higher-tier travel cards, it doesn’t offer trip cancellation or interruption insurance, which could be a valuable safeguard for unexpected travel disruptions. The rental car coverage is secondary, meaning you’ll have to file with your personal insurance first. There are other mid-tier travel cards, including the Chase Sapphire Preferred^® Card, that come with more benefits, including primary rental car insurance (terms apply).

  → See all of the top credit cards with travel insurance.

Delta SkyMiles^® Platinum American Express Card vs. American Express Platinum Card^®

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| Disclosures

American Express Platinum Card^®

Apply Now

on American Express's secure site

Rates & Fees

|Terms Apply

American Express Platinum Card^®

Intro Purchase APR N/A

Regular Purchase APR See Pay Over Time APR

Annual Fee $895

Rewards Rate 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. Terms apply.… Read More

Highlights

• Click APPLY NOW to apply online.
• You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
• More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
• More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.
• Rates & Fees

Recommended Credit

Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion

Good / Excellent

Get my free score

Show Detailsfor Citi Double Cash Card

The American Express Platinum Card^® is a strong choice for travelers who want top-tier travel flexibility and luxury across multiple airlines. The card has an $895 annual fee (see rates & fees) — among the highest you’ll find — but it comes with more than $2,000 worth of annual credits that can make up for that fee. Also, among its luxury travel benefits, eligible card members get access to the American Express Global Lounge Collection^®, which includes Delta Sky Club^® lounges (subject to visit limitations).

The card also gets you entry to the American Express Membership Rewards^® program and a host of redemption options. You can transfer points to more than 15 airline and hotel partner programs, including Delta SkyMiles.

Delta SkyMiles^® Platinum American Express Card vs. Delta SkyMiles^® Reserve American Express Card

How Does LendingTree Get Paid? How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures

Delta SkyMiles^® Reserve American Express Card

Apply Now

on American Express's secure site

Rates & Fees

|Terms Apply

Delta SkyMiles^® Reserve American Express Card

Intro Purchase APR N/A

Regular Purchase APR 19.74%-28.74% Variable

Annual Fee $650

Rewards Rate Earn 3X Miles on Delta purchases. Earn 1X Mile on all other eligible purchases.… Read More

Highlights

• Click APPLY NOW to apply online.
• Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
• Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
• Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
• $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
• Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $650 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.
• Rates & Fees

Recommended Credit

Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion

Good / Excellent

Get my free score

Show Detailsfor Citi Double Cash Card

The Delta SkyMiles^® Reserve American Express Card may be a better fit if you’re a frequent Delta flyer seeking premium perks and VIP treatment. There’s a much steeper $650 annual fee (see rates & fees), so it’s not for the occasional traveler, but you’ll get elite perks that the Delta SkyMiles^® Platinum American Express Card doesn’t offer. You’ll get 15 Delta Sky Club® visits per Medallion® year, Centurion® Lounge access and a more valuable companion certificate valid for a Delta First, Delta Comfort or Delta Main round-trip flight to select destinations each year after renewal of your card (baggage charges and other restrictions apply; Delta Basic experiences are not eligible for this benefit). This card also delivers a stronger Medallion Qualification Dollar (MQD) boost, earning $1 MQD for every $10 spent, helping you reach elite status even faster.

Delta SkyMiles^® Platinum American Express Card vs. Delta SkyMiles^® Gold American Express Card

How Does LendingTree Get Paid? How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures

Delta SkyMiles^® Gold American Express Card

Apply Now

on American Express's secure site

Rates & Fees

|Terms Apply

Delta SkyMiles^® Gold American Express Card

Intro Purchase APR N/A

Regular Purchase APR 19.74%-28.74% Variable

Annual Fee $0 introductory annual fee for the first year, then $150.

Rewards Rate Earn 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases.… Read More

Highlights

• Click APPLY NOW to apply online.
• Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Enjoy a $0 introductory Annual Fee for the first year, then $150.
• Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
• When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
• Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.
• Rates & Fees

Recommended Credit

Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion

Good / Excellent

Get my free score

Show Detailsfor Citi Double Cash Card

If you don’t travel as often or are hesitant about paying a higher annual fee, the Delta SkyMiles^® Gold American Express Card is a solid alternative. It covers the essentials with a $0 introductory annual fee for the first year, then $150. It also still includes valuable Delta perks such as a complimentary checked bag on Delta flights (terms apply).

While it doesn’t offer a companion certificate or MQD boost like the Delta SkyMiles^® Platinum American Express Card, it does come with a $100 annual Delta Stays credit on eligible prepaid hotel bookings through delta.com (terms apply) and a $200 Delta flight credit after spending $10,000 in a calendar year. The rewards rate is slightly lower, but the card delivers strong value for more casual Delta travelers.

The Delta SkyMiles^® Platinum American Express Card could be right for you if you fly Delta a few times a year and want to earn miles faster while enjoying valuable airline perks. Its Delta-focused benefits can easily justify the annual fee for loyal travelers.

However, if you travel less often or prefer a lower annual fee, there might be a better option. For luxury perks such as lounge access and enhanced elite status benefits, consider the Delta SkyMiles^® Reserve American Express Card. If flexibility is your priority, a general travel card like the American Express Platinum Card^® may offer more versatile rewards.

We take a comprehensive, data-driven approach to identify the best travel cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:

• Average value over two years (80% of rating)
  We calculate the value of rewards and perks for the average cardholder using U.S. Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
• Flexibility of rewards (15% of rating)
  We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
• Other features (5% of rating)
  We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits against benefits from other cards.