American Express
Delta SkyMiles® Platinum American Express Card
Key Features
| Annual Fee | $350.00 |
| Sign-up Bonus | Up To 100,000 Bonus Miles |
| Rewards Rate | 1x-3x Miles |
| Regular APR | APR: 19.49% to 28.49% variable APR on purchases. |
| Other Fees | There is no annual fee for Additional Cards. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). A $50 deductible will apply to each approved Cell Phone Protection claim. |
| Network | American Express |
About this card
The Delta SkyMiles® Platinum American Express Card earns an excellent overall rating of 4.2, positioning it as a top-tier choice specifically for dedicated Delta loyalists. While the $350 annual fee is substantial, our analysis of the fee structure reveals it is exceptionally well-offset by a generous suite of statement credits (up to $390 annually for rideshare, dining, and Delta Stays) and the highly valuable Companion Certificate. For cardholders who can maximize these perks, the net cost of ownership is effectively minimized, making the card's value proposition for fees outstanding (4.0 rating). The rewards program is equally compelling (4.1 rating), boasting an excellent sign-up bonus, strong earning rates on Delta and everyday categories, and numerous travel benefits like free checked bags, priority boarding, and MQD boosts, all tailored to enhance the Delta travel experience. American Express's strong reputation further underpins the card's appeal. The primary drawback is the very high variable APR (1.5 rating), making this card a poor choice for anyone who anticipates carrying a balance. Additionally, the value is highly concentrated within the Delta ecosystem, which limits redemption flexibility compared to general travel cards. However, for its specific target audience—frequent Delta flyers who pay their balance in full and actively use the card's benefits—it offers an outstanding array of perks and a strong return on investment, justifying its excellent overall rating.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on specific categories and Delta purchases
- No foreign transaction fees
- Extensive travel benefits including companion certificate, free checked bags, and priority boarding
- Valuable travel credits for rideshares, dining, and hotel stays
- Comprehensive travel and purchase protections
Things to consider
- High annual fee
- No intro APR period
- High regular APR
What this card offers
Sign-up bonuses
- Earn Up To 100,000 Bonus Miles
- Earn 80,000 bonus miles after you spend $4,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2,000 in purchases within your first 6 months, starting from the date that your account is opened. Offer ends 07/15/2026.
Rewards
- Earn 3X Miles on Delta Purchases
- Earn 3X Miles at Hotels
- Earn 2X Miles at Restaurants and U.S. Supermarkets
- Earn 1X Miles on All Other Eligible Purchases
Other features
- Companion Certificate: Enjoy a Companion Certificate on a Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America 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.
- MQD Headstart: Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
- MQD Boost: Earn $1 Medallion Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card and get a boost toward achieving elevated Medallion Status for next Medallion Year.
- TakeOff 15: Take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Platinum American Express Card to pay for rideshare purchases with select providers. That’s up to $120 back annually. Enrollment Required.
- $120 Resy Credit: Get up to $10 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Platinum American Express Card for eligible purchases. That’s up to $120 in statement credits annually.
- First Bag Free and NEW Second Bag Free: Enjoy your first checked bag free on Delta flights worldwide, and on domestic Delta flights, your second bag flies free too.
- Zone 5 Priority Boarding: Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Fee Credit for Global Entry or TSA PreCheck: Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck (through a TSA official enrollment provider) application fee every 4 years, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Complimentary Upgrade List: Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- $150 Delta Stays Credit: Annual statement credit of up to $150 after using your Delta SkyMiles® Platinum American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Hertz Five Star Status: Transform your car rental experience with Hertz Five Star Status, compliments of your Delta SkyMiles® Platinum American Express Card. Enrollment in the Hertz Gold+ program is required.
- No Foreign Transaction Fees: Use your Delta SkyMiles® Platinum American Express Card globally without incurring foreign transaction fees.
- 20% Back on In–Flight Purchases: Receive 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.
- Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.
- Car Rental Loss and Damage Insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
- Baggage Insurance Plan: Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
- Global Assist Hotline: Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Pay With Miles: 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.
- Purchase Protection: 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.
- 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.
- Amex Special Ticket Access: Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select events, while supplies last.
- American Express Venue Collection: Enjoy on-site benefits including dedicated entrances or fast lanes, plus enroll your Card and get 10% back on qualifying concessions purchases up to $250 per calendar year. Limit one enrolled Card per Card Member.
- Send & Split: Enhances the way you send money and split purchases with other Venmo and PayPal users in the American Express App, without the standard Venmo or PayPal credit card fee. You can also split Amex purchases and get paid back as a statement credit. Enrollment required. Terms apply.
- 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 $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.
- Dispute Resolution: American Express can work with you and the merchant to help resolve issues with unrecognized charges or ongoing billing for canceled services.
- Year-End Summary: Access a Year-End Summary of charges to review annual spending with charts by category and download information in PDF or Excel.
Additional Notes
Limited Time Offer | 2 Days Left

