Is the Delta SkyMiles Platinum American Express Card worth the higher annual fee?

The Delta SkyMiles Platinum American Express Card costs $350/yr vs $99/yr for the JetBlue Plus Card. Compare the year-one vs ongoing value table on this page — the $251 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Delta SkyMiles Platinum American Express Card also lists travel credits, dining credits).

Which card earns more rewards, the Delta SkyMiles Platinum American Express Card or JetBlue Plus Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Delta SkyMiles Platinum American Express Card have that the JetBlue Plus Card doesn't?

The Delta SkyMiles Platinum American Express Card offers travel credits, dining credits, cell phone protection. The JetBlue Plus Card offers travel credits.

Should I get the Delta SkyMiles Platinum American Express Card or the JetBlue Plus Card?

Use the spend scenarios on this page: the JetBlue Plus Card has a lower $99/yr fee; the Delta SkyMiles Platinum American Express Card must earn enough extra (or offer a larger welcome bonus) to justify $350/yr.

Delta SkyMiles Platinum American Express Card vs JetBlue Plus Card

Annual fees: Delta SkyMiles Platinum American Express Card $350/yr, JetBlue Plus Card $99/yr. Strongest bonus categories: Delta SkyMiles Platinum American Express Card on hotels, JetBlue Plus Card on dining.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Delta SkyMiles Platinum American Express Card American Express · $350/yr	JetBlue Plus Card Barclays · $99/yr
Annual fee	$350	$99 Lowest
Welcome offerCurrent public offer	As high as 90,000 miles — offers vary	70,000 points
Rewards	Delta SkyMiles	JetBlue TrueBlue Rewards Program
Foreign transaction fee	None	None
Network	American Express	Mastercard World Elite
Earn ratesPer $1 spent
Hotels	3x Highest	1x
Dining	2x	2x
Grocery Stores	2x	2x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$150 Delta stays credit $120 Global Entry/TSA PreCheck 20% back Delta in-flight · $20 per transaction	$100 JetBlue Vacations
Rideshare & transit	$10/mo rideshare · $10 monthly	—
Dining & delivery	$10/mo Resy · $10 monthly	—
Perks & access— means none on record
Airline perks	Annual companion certificate for domestic Main Cabin flights First checked bag free for cardholder plus 8 companions Zone 5 Priority Boarding for you and 8 companions Complimentary Upgrade List	Save 50% on inflight food and drinks First checked bag free for cardholder plus 3 companions
Other perks	Amex Offers MQD Headstart and MQD Boost Early access to concerts and events 24/7 global travel assistance TakeOff 15 No foreign transaction fees	No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip delay coverage up to $300 after 12 hours	—
Baggage	Baggage insurance up to $1,250 for carry-on items	—
Rental car	Car rental insurance up to $50,000	—
Purchase & returns	Purchase protection up to $1,000 per occurrence	—
Extended warranty	Extended warranty adds 1 year to manufacturer warranty	—
Cell phone	Cell phone protection up to $800 per claim	—
Other protections	Zero liability protection on fraudulent charges	—
Pros & cons
Pros	Annual Companion Certificate after card renewal (companion pays only taxes/fees on Main Cabin domestic, Caribbean or Central America) MQD Headstart ($2,500 a year) plus $1 MQD per $20 spent Free first checked bag for cardholder plus up to 8 companions on same reservation; second bag free on domestic flights Strong 2x earning on restaurants, hotels, and U.S. supermarkets Boosted upgrade priority to First Class and Delta One	6x points on JetBlue purchases provides strong earning rate Free first checked bag extends to up to 3 companions on same reservation 10% points back when redeeming for JetBlue award flights 50% off eligible inflight food and drinks 5,000 anniversary bonus points each year
Cons	$350 annual fee is substantial if not utilizing premium benefits Companion Certificate arrives only after the first card renewal No lounge access included (must upgrade to Reserve) Miles are locked to Delta SkyMiles program with limited transfer options Amex cards are accepted at fewer merchants abroad than Visa or Mastercard	$99 annual fee may not be justified for occasional flyers No lounge access benefit No companion certificate No priority boarding Only 2x points on restaurants and groceries (same as no-fee card)
	Card details	Card details

Delta SkyMiles Platinum American Express Card
American Express · $350/yr
JetBlue Plus Card
Barclays · $99/yr

Overview

Annual fee: Delta SkyMiles Platinum American Express Card
$350
JetBlue Plus Card
$99
Lowest
Welcome offerCurrent public offer: Delta SkyMiles Platinum American Express Card
As high as 90,000 miles — offers vary
JetBlue Plus Card
70,000 points
Rewards: Delta SkyMiles Platinum American Express Card
Delta SkyMiles
JetBlue Plus Card
JetBlue TrueBlue Rewards Program
Foreign transaction fee: Delta SkyMiles Platinum American Express Card
None
JetBlue Plus Card
None
Network: Delta SkyMiles Platinum American Express Card
American Express
JetBlue Plus Card
Mastercard World Elite

Earn ratesPer $1 spent

Hotels: Delta SkyMiles Platinum American Express Card
3x
Highest
JetBlue Plus Card
1x
Dining: Delta SkyMiles Platinum American Express Card
2x
JetBlue Plus Card
2x
Grocery Stores: Delta SkyMiles Platinum American Express Card
2x
JetBlue Plus Card
2x
Everything else: Delta SkyMiles Platinum American Express Card
1x
JetBlue Plus Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Delta SkyMiles Platinum American Express Card
$150 Delta stays credit
$120 Global Entry/TSA PreCheck
20% back Delta in-flight · $20 per transaction
JetBlue Plus Card
$100 JetBlue Vacations
Rideshare & transit: Delta SkyMiles Platinum American Express Card
$10/mo rideshare · $10 monthly
JetBlue Plus Card
—
Dining & delivery: Delta SkyMiles Platinum American Express Card
$10/mo Resy · $10 monthly
JetBlue Plus Card
—

Perks & access— means none on record

Airline perks: Delta SkyMiles Platinum American Express Card
Annual companion certificate for domestic Main Cabin flights
First checked bag free for cardholder plus 8 companions
Zone 5 Priority Boarding for you and 8 companions
Complimentary Upgrade List
JetBlue Plus Card
Save 50% on inflight food and drinks
First checked bag free for cardholder plus 3 companions
Other perks: Delta SkyMiles Platinum American Express Card
Amex Offers
MQD Headstart and MQD Boost
Early access to concerts and events
24/7 global travel assistance
TakeOff 15
No foreign transaction fees
JetBlue Plus Card
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: Delta SkyMiles Platinum American Express Card
Trip delay coverage up to $300 after 12 hours
JetBlue Plus Card
—
Baggage: Delta SkyMiles Platinum American Express Card
Baggage insurance up to $1,250 for carry-on items
JetBlue Plus Card
—
Rental car: Delta SkyMiles Platinum American Express Card
Car rental insurance up to $50,000
JetBlue Plus Card
—
Purchase & returns: Delta SkyMiles Platinum American Express Card
Purchase protection up to $1,000 per occurrence
JetBlue Plus Card
—
Extended warranty: Delta SkyMiles Platinum American Express Card
Extended warranty adds 1 year to manufacturer warranty
JetBlue Plus Card
—
Cell phone: Delta SkyMiles Platinum American Express Card
Cell phone protection up to $800 per claim
JetBlue Plus Card
—
Other protections: Delta SkyMiles Platinum American Express Card
Zero liability protection on fraudulent charges
JetBlue Plus Card
—

Pros & cons

Pros: Delta SkyMiles Platinum American Express Card
Annual Companion Certificate after card renewal (companion pays only taxes/fees on Main Cabin domestic, Caribbean or Central America)
MQD Headstart ($2,500 a year) plus $1 MQD per $20 spent
Free first checked bag for cardholder plus up to 8 companions on same reservation; second bag free on domestic flights
Strong 2x earning on restaurants, hotels, and U.S. supermarkets
Boosted upgrade priority to First Class and Delta One
JetBlue Plus Card
6x points on JetBlue purchases provides strong earning rate
Free first checked bag extends to up to 3 companions on same reservation
10% points back when redeeming for JetBlue award flights
50% off eligible inflight food and drinks
5,000 anniversary bonus points each year
Cons: Delta SkyMiles Platinum American Express Card
$350 annual fee is substantial if not utilizing premium benefits
Companion Certificate arrives only after the first card renewal
No lounge access included (must upgrade to Reserve)
Miles are locked to Delta SkyMiles program with limited transfer options
Amex cards are accepted at fewer merchants abroad than Visa or Mastercard
JetBlue Plus Card
$99 annual fee may not be justified for occasional flyers
No lounge access benefit
No companion certificate
No priority boarding
Only 2x points on restaurants and groceries (same as no-fee card)

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Delta SkyMiles Platinum American Express Card wins in 1 of 1 categories. The JetBlue Plus Card leads in 0.

Hotels

Delta SkyMiles Platinum American Express Card earns 3X vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the JetBlue Plus Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Delta SkyMiles Platinum American Express Card	JetBlue Plus Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $187 Credits (our usable estimate): $172 − Annual fee ($350) Ongoing: $9 Year one: $9	Rewards: $211 Credits (our usable estimate): $5 − Annual fee ($99) Ongoing: $117 Year one: $1,062	JetBlue Plus Card	JetBlue Plus Card
Heavy spender: $4,000/month	Rewards: $749 Credits (our usable estimate): $172 − Annual fee ($350) Ongoing: $571 Year one: $571	Rewards: $842 Credits (our usable estimate): $5 − Annual fee ($99) Ongoing: $748 Year one: $1,693	JetBlue Plus Card	JetBlue Plus Card

Is the Fee Difference Worth It?

The Delta SkyMiles Platinum American Express Card costs $350/yr — that's $251 more than the JetBlue Plus Card ($99/yr). To justify that gap, you need to extract at least $251 in annual value from the card's higher earn rates and benefits.

The Delta SkyMiles Platinum American Express Card includes travel credits, dining credits, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $251 fee gap for your own usage.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $251 fee gap means the Delta SkyMiles Platinum American Express Card needs roughly $251 more in annual rewards (or credits you will use) to break even on hotels and dining and everyday spend.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing JetBlue Plus Card means losing:

-Global Entry credit

The Bottom Line

Both scenarios favor the JetBlue Plus Card on net value (rewards, usable credits, fees, and welcome offer).

Published annual fees: Delta SkyMiles Platinum American Express Card $350/yr, JetBlue Plus Card $99/yr — a $251 difference before welcome offers and credits.

Frequently Asked Questions

Is the Delta SkyMiles Platinum American Express Card worth the higher annual fee?: The Delta SkyMiles Platinum American Express Card costs $350/yr vs $99/yr for the JetBlue Plus Card. Compare the year-one vs ongoing value table on this page — the $251 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Delta SkyMiles Platinum American Express Card also lists travel credits, dining credits).
Which card earns more rewards, the Delta SkyMiles Platinum American Express Card or JetBlue Plus Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Delta SkyMiles Platinum American Express Card have that the JetBlue Plus Card doesn't?: The Delta SkyMiles Platinum American Express Card offers travel credits, dining credits, cell phone protection. The JetBlue Plus Card offers travel credits.
Should I get the Delta SkyMiles Platinum American Express Card or the JetBlue Plus Card?: Use the spend scenarios on this page: the JetBlue Plus Card has a lower $99/yr fee; the Delta SkyMiles Platinum American Express Card must earn enough extra (or offer a larger welcome bonus) to justify $350/yr.

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Official issuer pages: American Express cards · Barclays cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.