Review
Updated
Of the four credit cards Delta and American Express offer, the Delta SkyMiles® Platinum American Express Card is one of the premium options. It has a competitive welcome offer and an annual companion certificate, so it offers great value both upfront and on a year-to-year basis. Terms apply. There is, however, a $250 annual fee (see rates and fees). Learn whether this is the best Delta card for you in our Delta SkyMiles® Platinum American Express Card review.
Apply Now for Delta SkyMiles® Platinum American Express Card
On American Express' Secure Website.
Terms apply
Apply Now for Delta SkyMiles® Platinum American Express Card
On American Express' Secure Website.
Terms apply
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Delta SkyMiles® Platinum American Express Card
On American Express' Secure Website.
Terms apply
Intro APR
Purchases: n/a
Balance Transfers: n/a
Regular APR
20.74%-29.74% Variable
Rewards 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.
1X - 3X miles
Annual Fee
$250
Welcome Offer Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
50,000
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The great welcome offer and rewards rate on Delta purchases make the annual fee worth it if you fly on carrier regularly.
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- Welcome offer
- Free checked bag
- Companion certificate
- Travel credit
- Annual fee
- No complimentary airport lounge access
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- Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
- New: 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.
- 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.
- Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests when traveling on a Delta flight.
- Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
Full Amex Delta SkyMiles Platinum review
This credit card is a good fit for: Frequent flyers with Delta Airlines looking to save money and improve their travels. Couples, in particular, can get significant value from this card's companion certificate.
Top perks
The Delta SkyMiles® Platinum American Express Card offers a variety of useful benefits.
Welcome offer
You'll earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Learn more: Best Sign-Up Bonus Credit Cards
Rewards
The Delta SkyMiles® Platinum American Express Card has several bonus categories to boost your rewards. It earns:
- 3x miles on Delta purchases
- 3x miles on purchases made directly with hotels
- 2x miles at restaurants, including U.S. takeout and delivery
- 2x miles at U.S. supermarkets
- 1x miles on all other eligible purchases
- Terms apply
Free checked bag
You get a free first checked bag. The cost of your first checked bag with Delta is $30, so this benefit can add up quickly.
Annual companion certificate
Each year that you renew your card, you'll receive a domestic main cabin round-trip companion certificate. This allows one companion to join you without paying for a ticket. Payment of government-imposed taxes and fees of not more than $80 is required. Terms apply.
This is one of the card's most valuable perks, especially for couples. It can easily be worth over $500 if you use the companion certificate for expensive airfare.
Save on in-flight purchases
You'll receive 20% back in the form of a statement credit when you use this card for eligible Delta in-flight purchases of food, beverages, and audio headsets. Terms apply.
Global Entry/TSA PreCheck credit
The Delta SkyMiles® Platinum American Express Card will cover the cost of a membership with Global Entry or TSA Pre✓®. Receive either a statement credit available every 4 years after you apply for Global Entry ($100) or a statement credit available every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA Pre✓® (up to $85)
If you get this card, go with the Global Entry membership, as that includes a membership to TSA PreCheck. Terms apply.
No foreign transaction fee
Travel credit cards usually don't have foreign transaction fees, and this one is no exception (see rates and fees).
READ MORE: The Ascent's Guide to the Best American Express Credit Cards.
Compared to other top credit cards
- This card: Amex Delta SkyMiles Platinum
- For a more affordable Delta credit card: Delta SkyMiles® Gold American Express Card (see rates and fees)
- For airport lounge access with enrollment: Delta SkyMiles® Reserve American Express Card (see rates and fees).
As of May. 25, 2023
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| Delta SkyMiles® Platinum American Express Card | Delta SkyMiles® Gold American Express Card | Delta SkyMiles® Reserve American Express Card |
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Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 3.50 out of 5 stars.
3.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
|
Apply Now for Delta SkyMiles® Platinum American Express Card
On American Express' Secure Website. Terms apply |
Apply Now for Delta SkyMiles® Gold American Express Card
On American Express' Secure Website. Terms apply |
Apply Now for Delta SkyMiles® Reserve American Express Card
On American Express' Secure Website. Terms apply |
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| Rates & Fees | Rates & Fees | Rates & Fees |
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Credit Rating Requirement:
Good/Excellent (670-850)
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. |
Credit Rating Requirement:
Good/Excellent (670-850)
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. |
Credit Rating Requirement:
Good/Excellent (670-850)
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. |
|
Welcome Offer: Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. 50,000 |
Welcome Offer: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months. 40,000 |
Welcome Offer: Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 6 months. 50,000 |
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Rewards Program: 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. 1X - 3X miles |
Rewards Program: Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases. 1X - 2X miles |
Rewards Program: Earn 3X Miles on Delta purchases. Earn 1X Miles on all other eligible purchases. 1X - 3X miles |
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Intro APR: Purchases: n/a Balance Transfers: n/a |
Intro APR: Purchases: n/a Balance Transfers: n/a |
Intro APR: Purchases: n/a Balance Transfers: n/a |
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Regular APR: 20.74%-29.74% Variable |
Regular APR: 20.74%-29.74% Variable |
Regular APR: 20.74%-29.74% Variable |
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Annual Fee: $250 |
Annual Fee: $0 introductory annual fee for the first year, then $99. |
Annual Fee: $550 |
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Highlights:
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Highlights:
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Highlights:
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Apply Now for Delta SkyMiles® Platinum American Express Card
On American Express' Secure Website. Terms apply |
Apply Now for Delta SkyMiles® Gold American Express Card
On American Express' Secure Website. Terms apply |
Apply Now for Delta SkyMiles® Reserve American Express Card
On American Express' Secure Website. Terms apply |
Show More
Show Less
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What could be improved
Most credit cards have at least one or two areas where they could improve, and that's the case with the Delta SkyMiles® Platinum American Express Card.
Annual fee
With a $250 annual fee, this is one of Delta's more expensive credit cards. Like all airline credit cards, the value you get is dependent on how much you travel. But it isn't hard to get your money's worth if you fly with Delta often and take advantage of this card's benefits.
If you have a regular travel companion, the annual companion certificate alone can make up for the fee. There's also the free checked bag, savings on in-flight purchases, and the miles you'll earn on purchases.
No complimentary Delta Sky Club® access
As a Delta SkyMiles® Platinum American Express Card member, you and up to two guests can purchase passes to visit Delta Sky Club® at a rate of $39 per person. You must be traveling on a same-day flight with Delta or a partner airline to qualify. Terms apply.
On the one hand, this gives you the opportunity to visit Delta Sky Club®, as passes aren't sold to the general public. But I'm lukewarm about a credit card "perk" that simply gives you the right to buy something. If you're interested in airport lounge access, there are many cards that are better for that.
Read more: Best Rewards Credit Cards
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Suggested credit score
A FICO® Score of 670 or above is recommended before applying for the Delta SkyMiles® Platinum American Express Card. It is possible to get approved with a lower credit score, but it's an uphill battle. Consumers with good and excellent credit are the target market for top credit cards like this one.
The Amex Delta SkyMiles Platinum is right for you if:
You fly with Delta often and you have a travel companion for at least one trip per year. The Delta SkyMiles® Platinum American Express Card has quite a few features, but making the most of it really depends on using the annual companion certificate. That's why it's best for couples and travelers who fly with someone else regularly. Terms apply.
Less-frequent travelers might find more value from the Delta SkyMiles® Gold American Express Card or the no annual fee Delta SkyMiles® Blue American Express Card (see rates and fees). Road warriors who travel very frequently should consider the Delta SkyMiles® Reserve American Express Card for all the extra perks it offers. If you're not sure which one has the right features for you, comparing credit cards side by side is a good way to decide between them. The Delta SkyMiles® Platinum American Express Card occupies the middle ground, offering significant value without a huge annual fee.
FAQs
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The credit limit for the Delta SkyMiles® Platinum American Express Card varies significantly for each card member based on their income and credit history. Credit limits can range from $1,000 to over $20,000.
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The Delta SkyMiles® Platinum American Express Card isn't hard to get for qualified applicants. The most important factor is your credit score. Most applicants who are approved have good credit, which is a FICO® Score of 670 or more.
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No, Delta miles don't expire.
Our Credit Cards Expert
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
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For rates and fees for the Delta SkyMiles® Blue American Express Card, click here
For rates and fees for the Delta SkyMiles® Gold American Express Card, click here
For rates and fees for the Delta SkyMiles® Platinum American Express Card, click here
For rates and fees for the Delta SkyMiles® Reserve American Express Card, click here
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