MaxRewards Logo
  • Home
Sign InSign Up
MaxRewards Logo

Join over 900,000 members maximizing their rewards

Download on Google PlayDownload on the App Store
  • Facebook
  • Instagram
  • TikTok
  • LinkedIn
App
  • Best Card
  • Offers
  • Benefits
  • Insights
  • Aggregation
  • Platinum
Resources
  • About
  • Changelog
  • Careers
  • Help Center
  • Contact Us
Travel & Perks
  • Best Travel Credit Cards
  • Best Premium Credit Cards
  • Best Airline Credit Cards
  • Best Hotel Credit Cards
  • Best Welcome Offer Credit Cards
Everyday Rewards
  • Best Cash Back Credit Cards
  • Best Restaurants Credit Cards
  • Best Groceries Credit Cards
  • Best Gas & EV Credit Cards
  • Best No-Annual-Fee Credit Cards
Credit & Needs
  • Best Beginner Credit Cards
  • Best Student Credit Cards
  • Best Business Credit Cards

© 2026 MaxRewards. All Rights Reserved.

Terms & ConditionsPrivacy Policy
  1. Credit Cards
  2. Delta SkyMiles® Platinum American Express Card
American Express

Delta SkyMiles® Platinum American Express Card

The Delta SkyMiles® Platinum American Express Card is built for frequent Delta flyers who want to fast-track their way to Medallion status while saving on flights. It blends practical airport perks with solid everyday earning categories to help justify its $350 annual fee.

Welcome Offer
Earn 90,000 Skymiles + $300
Annual Fee
$350
Rec. Credit Score
Good
Good For
Frequent Delta flyers
How to ApplyEstimate your value
Delta SkyMiles® Platinum American Express Card

All information about Delta SkyMiles® Platinum American Express Card has been collected independently by MaxRewards. Delta SkyMiles® Platinum American Express Card is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Delta SkyMiles® Platinum American Express Card worth it?

This card is great for...

Accelerating Delta Medallion status

Free checked bags on Delta

15% off Delta award flight redemptions

For regular Delta travelers, the Delta SkyMiles Platinum Card delivers clear value that can easily outweigh its $350 annual fee. Features like the 15% award flight discount, first checked bag free, and an automatic $2,500 MQD Headstart provide immediate utility for status seekers and frequent flyers alike. Enrolled cardholders can also tap into monthly statement credits for rideshares, Resy dining, and Delta Stays hotel bookings to offset the fee even further.

MaxRewards

MaxRewards Verdict

This card is a strong choice for dedicated Delta travelers who want elevated earning rates and a boost toward elite status, but it holds little appeal for general travelers who prefer flexible rewards.

Welcome Offer

Earn 90,000 Skymiles + $300

Offer details

You may be eligible for as high as 90,000 Bonus Miles and a $300 Statement Credit after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Apply to find out your offer. Terms Apply. Offer ends 11/04/2026.

Required Spend

$4,000

Time Frame

6 Months

Required Spend

$4,000

Time Frame

6 Months

Earning

Rewards

Earning centers on Delta purchases and hotels, alongside respectable bonus rates for everyday dining and groceries.

CategoryRate

Delta Purchases, Direct Hotel Purchases

3.6%

Restaurants (Worldwide), Takeout and Delivery (U.S.), Supermarkets (U.S.)

2.4%

All Other Eligible Purchases

1.2%

Rewards percent based on a valuation of 1.2¢ per Delta Skymile

Annual Credits & Perks

Benefits

A suite of statement credits and built-in flight privileges provides direct value to offset the annual fee.

BenefitAnnual value
$150
$120
$120
$30
$22

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Delta SkyMiles® Platinum American Express Card$120 Rideshare Credit
Autotracked
$0 of $10Every month

Benefits

Credits

20% Back on In-Flight Purchases

Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using the Delta SkyMiles Platinum Card.

Benefits

Insurance

Cell Phone Protection

You can be reimbursed, the lesser of, your costs to repair or replace your damaged or Stolen cell phone for a maximum of up to $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim. Additional terms and conditions apply.¹ ¹Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.


Trip Delay Insurance

If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.


Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.


Purchase Protection

Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits. Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Benefits

Status & Access

Hertz Five Star Status

Delta SkyMiles Platinum Card Members receive complimentary Hertz Five Star Status. Enrollment in the Hertz Gold+ program is required. To receive the benefit, the Basic Card Member must add their Hertz Gold+ Account number to their SkyMiles Account associated with their Eligible Card and “Enroll in Promotion” at delta.com/hertz.


Zone 5 Priority Boarding

Delta SkyMiles Platinum Card Members receive Zone 5 Priority Boarding on Delta flights.


Amex Special Ticket Access

Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. ¹Plus, Card Members can enjoy additional perks when attending select events. ¹While supplies last, not all seats may be offered.

Benefits

Other

First Checked Bag Free

Delta SkyMiles Platinum Card Members can check their first bag for free and save up to $90 per person on a round-trip Delta flight. For a family of four that’s a potential savings of up to $360 per round-trip flight.


TakeOff 15

Delta SkyMiles Platinum Card Members take 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.


MQD Headstart

Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.


MQD Boost

Get closer to elevated Status next Medallion Year by earning Medallion Qualification Dollars on purchases with the Delta SkyMiles Platinum Card.


Complimentary Upgrade List

Not a Medallion Member? Delta SkyMiles Platinum Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$350

Purchase APR

19.74% - 28.74%

Variable

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$10

Late Payment

$40

Questions

Frequently Asked Questions

Earn 90,000 Skymiles + $300 after spending $4,000 in the first 6 months.

We value the current offer at about $1,380, based on MaxRewards' Delta valuations.

You need to spend $4,000 within 6 months of account opening — about $700 per month on average.

Table of Contents

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • #1Best Airline Credit CardsView list
  • #14Best Travel Credit CardsView list

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $4,500

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 7.5%7.5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 7.5%3%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000 Or More
  • 7.5%1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $3,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 7.5%6%Top Two Eligible Categories
  • 7.5%4.5%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 7.5%1.5%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $2,625

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 7.5%7.5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 7.5%7.5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 7.5%1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.