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  1. Credit Cards
  2. Delta SkyMiles® Platinum American Express Card
American Express

Delta SkyMiles® Platinum American Express Card

This card is built for Delta flyers who want practical travel savings and a real shot at extracting value from airline-specific perks, not just a way to earn miles on everyday spending. It works best as a loyalist card for people who fly Delta a few times a year and can use the bag benefit, award discount, and travel credits often enough to justify the $350 annual fee.

Welcome Offer
You may be eligible for as high as 90,000 Bonus Miles
Annual Fee
$350
Rec. Credit Score
Good
Good For
Delta regulars
How to ApplyEstimate your value

Terms Apply. For rates and fees of Delta SkyMiles® Platinum American Express Card, please visit the American Express website.

Delta SkyMiles® Platinum American Express Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

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...

Checked bag savings

Delta award bookings

Medallion status pursuit

The Delta SkyMiles Platinum American Express Card is worth it for travelers who fly Delta regularly and will actually use its built-in airline benefits. A free first checked bag, 15% off Delta-operated award flights booked with miles, and the annual credits for Delta Stays, rideshare, and Resy can go a long way toward covering the $350 annual fee. It also has a meaningful role for cardholders chasing Delta status, thanks to MQD Headstart and spending-based MQD Boost.

It is a weaker fit if you are mostly looking for a strong everyday rewards card. Delta miles are most useful for Delta travel, and the non-Delta earning rates are decent but not hard to beat with more flexible travel cards or simple cash-back options. If you do not fly Delta often, check bags, or care about Medallion progress, the fee will be harder to justify.

MaxRewards

MaxRewards Verdict

A solid airline card for Delta loyalists who can use the travel perks and status features, especially the bag benefit and award discount. For everyone else, it is too specialized to carry on rewards alone.

Welcome Offer

You may be eligible for as high as 90,000 Bonus Miles

after you spend $3,000 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.

Est. Value

$1,080

Required Spend

$3,000

Time Frame

6 Months

Est. Value

$1,080

Required Spend

$3,000

Time Frame

6 Months

Earning

Rewards

This card earns Delta SkyMiles, so the value of your rewards depends largely on how often you redeem for Delta flights. The bonus categories make the most sense for Delta purchases, direct hotel stays, dining, and U.S. supermarkets, but this is not a general-purpose points card with broad flexibility.

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

The real case for this card is in its travel benefits, not just its mileage earnings. As you read through the perks, focus on the ones you would use consistently, especially checked bags, Delta award savings, status-related features, and the monthly or annual credits.

BenefitAnnual value
$250
$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$150 Delta Stays Credit
Autotracked
$0 of $150Every 12 months

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

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.


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.


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.


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.


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.

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

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.


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.


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

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$10

Late Payment

$40

For rates and fees of Delta SkyMiles® Platinum American Express Card, please visit the American Express website.

Table of Contents

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

How to Apply

Terms Apply. For rates and fees of Delta SkyMiles® Platinum American Express Card, please visit the American Express website.

For rates and fees of Delta SkyMiles® Platinum American Express Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

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 $3,000

After spending $20,000 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. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%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 $2,000

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.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%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 $1,750

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.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.