Delta SkyMiles Platinum American Express Card
$390/Year in Credits, Companion Certificate, and 3X Delta Miles for $350
Earn 3X miles on Delta purchases and 2X on hotels, dining, and U.S. supermarkets, plus $240/year in Resy and ride-hailing credits, a $150 Delta Stays credit, and an annual Companion Certificate — all for a $350 annual fee that the credits alone can offset.
- Annual Fee
- $350
- Welcome Bonus
- As high as 90,000 miles — offers vary
- Highest rate (conditional)
- Up to 3X (Direct)
Terms checked against the issuer on November 6, 2026
At a Glance
- Annual Fee
- $350
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Amex Standard
- Rewards Currency
- Delta SkyMiles
- Point Valuation
- 1–1.2 cpp (mid: 1.2)
- Credit Required
- Good to Excellent
Welcome Offer
As high as 90,000 miles — offers vary
Spend $3,000 in the first 6 months
The issuer states this offer only as a maximum. Offers vary by applicant: you may be offered less, or no offer.
Earning Rates
- 3X
Hotels
3X miles on hotels booked directly — No annual cap
- 3X
Delta
3X miles on Delta purchases — No annual cap
- 3X
Delta
Earn 3X miles on Delta purchases
- 2X
Dining
Earn 2X miles at restaurants
- 2X
Grocery Stores
Earn 2X miles at U.S. supermarkets
- 1X
All Other
1X miles on all other eligible purchases — No annual cap
Earning Scenarios
3X Miles on Every Delta Purchase
Earn 3 SkyMiles per dollar on all Delta purchases — flights, seat upgrades, Delta Vacations, and Delta Stays. At 1.25 cpp, that is a 3.75% return on every Delta dollar spent.
Spend $3,000/year on Delta flights: earn 9,000 miles worth $112.50 — plus your companion flies free on one of those trips.
3X Miles on Hotels Booked Directly
Earn 3 miles per dollar on hotels booked directly worldwide — not just Delta-branded properties. Marriott, Hilton, Hyatt, and independents all qualify when booked through the hotel's own site or front desk.
Book 10 hotel nights at $200 each directly: earn 6,000 miles worth $75, plus apply your $150 Delta Stays credit for additional savings.
2X Miles on Dining and U.S. Supermarkets
Earn 2 SkyMiles per dollar at restaurants worldwide (including takeout and delivery in the U.S.) and at U.S. supermarkets. Stack with your $10/month Resy credit for even more dining value.
Spend $500/month on dining and groceries: earn 12,000 miles per year worth $150 — plus $120 back in Resy credits.
Benefits & Perks
Travel Benefits
6 perksGeneral Travel
Flights
Annual Credits & Statement Credits
5 creditsUp to
$440
in recurring credits (annual)
$150 Delta stays credit
Elevate your travel experience with an annual statement credit of up to $150 after using your Card to book prepaid hotels or vacation rentals through
$150
Annual
$10/mo Resy
Discover restaurants to love on your next trip. With your enrolled Card, you can earn up to $10 per month in statement credits on eligible purchases
$10
Monthly
$10/mo rideshare
Up to $10 in statement credits each month on U.S. rideshare purchases with select providers. Enrollment required.
$10
Monthly
$120 Global Entry/TSA PreCheck
Automatic reimbursement for Global Entry or TSA PreCheck application fees every 4 years. Global Entry includes TSA PreCheck.
—
Annual
20% back Delta in-flight
Get 20% back as a statement credit when you purchase headsets, meals, food and beverages on board Delta flights.
$20
Per transaction
Insurance & Protections
7 protectionsZero liability protection on fraudulent charges
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Cell phone protection up to $800 per claim
primary
Get up to $1,600 annual coverage for stolen or damaged phones when you pay your cell phone bill with this card. $50 deductible.
View conditions
Deductible: 50
Car rental insurance up to $50,000
secondary
Secondary coverage for theft and collision damage on rentals up to 30 days. Skip rental counter insurance and save $15-40/day.
Purchase protection up to $1,000 per occurrence
primary
Protect your purchases against accidental damage or theft for 90 days after purchase. Up to $1,000 per occurrence, $50,000 annual limit.
Trip delay coverage up to $300 after 12 hours
primary
Get reimbursed for meals, hotel, and essentials when your travel is delayed 12+ hours. Up to 2 claims per year.
Show all 7 protectionsShow fewer protections
Baggage insurance up to $1,250 for carry-on items
secondary
Get reimbursed for lost or damaged baggage contents with coverage for carry-on ($1,250) and checked bags ($500) in excess of airline reimbursement.
Extended warranty adds 1 year to manufacturer warranty
Get an extra year of warranty protection on purchases with original warranties under 5 years.
Dining Out
2x at restaurants
SkyMiles
≈$2.40 in value on a $100 dinner, at our valuation of 1.2¢ per point
Annual fee: $350
Explore 11,039 restaurants where this card unlocks perks$120 Resy Credit
At 11,039 Resy restaurants
Enrollment required$10
A month
Stack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
SkyMiles
America's premium airline rewards program
Delta SkyMiles is the loyalty program of Delta Air Lines, serving over 100 million members worldwide. As a founding member of the SkyTeam alliance, SkyMiles miles can be earned and redeemed across 19 partner airlines including Air France, KLM, Korean Air, and Virgin Atlantic. The program offers revenue-based earning on Delta flights and status qualification through Medallion tiers. Delta operates the largest airline network in the United States with major hubs in Atlanta, Minneapolis, Detroit, Seattle, Los Angeles, and New York. SkyMiles members earn miles based on ticket price rather than distance, with Medallion elite members earning bonus miles on every flight. The program is known for strong premium cabin availability on domestic routes and competitive pricing for SkyTeam partner awards. SkyMiles partners with American Express for co-branded credit cards that offer accelerated earning, free checked bags, and priority boarding. Higher-tier cards grant automatic Medallion status and companion certificates worth up to $1,000 in travel value annually.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| US to South America in Economy | 10,000 | economy | South America |
| US to Canada in Economy | 10,300 | economy | United States |
| US to Hawaii in Economy | 10,900 | economy | United States |
| Domestic US in First Class | 12,500 | first | United States |
| US to Europe in Economy | 23,000 | economy | Europe |
| Intra-European Economy on Partners | 10,000 | economy | Europe |
| Intra-European Business on Partners | 25,000 | business | Europe |
| Middle East to Europe Business Class | 42,500 | business | Europe |
| Within Asia Business on Korean Air | 15,000 | business | Asia |
| Asia to Oceania Business Class | 65,000 | business | Australia Nz |
| LATAM Short-Haul Economy in South America | 6,400 | economy | South America |
| Delta Flash Sales to Europe | 34,000 | economy | Europe |
| Hawaiian Inter-Island Economy | 7,500 | economy | United States |
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesCategory Rankings (1 category)
How It Compares
The Delta SkyMiles Platinum sits between the Gold ($150/year) and Reserve ($650/year) in the Delta family. It justifies its $350 fee with $390 in statement credits plus the Companion Certificate — a perk the Gold card lacks. Unlike the Reserve, it does not include Delta Sky Club access or Amex Centurion Lounge access. For Delta loyalists not ready for the Reserve's price tag, the Platinum offers the best credit-to-fee ratio in the family.
Pros and 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
- +20% back on in-flight Delta purchases
- +No foreign transaction fees
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
Who It's Best For
Best For
- Delta flyers who want an annual Companion Certificate on card renewal
- Travelers who want a Medallion head start (MQD Headstart and MQD Boost)
- Those who fly with companions and value free checked bags for up to 9 people
- Diners and grocery shoppers seeking 2x miles on everyday categories
- International travelers wanting no foreign transaction fees with Delta integration
Not Ideal For
- Occasional Delta flyers who won't use the annual companion certificate
- Travelers who prioritize lounge access (Reserve card offers Sky Club)
- Those who prefer flexible transferable points over airline-locked miles
- Budget travelers uncomfortable with $350 annual fee
The Math: Is $350 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$264
Annual Fee
-$350
Net Annual Value
-$86
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| Delta Family | When applying for Delta personal cards, start with the lowest tiered card in the family to be eligible for the signup bonus on each remaining card |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
Payment Terms
| Purchase APR | 19.74%–28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
FAQs
How many SkyMiles are needed for a free flight?
You can find Delta awards for as little as 4,200 miles. If you have a Delta co-branded credit card, you get a 15% discount, bringing some flights down to 3,570 miles. Taxes are usually low as well, often just $5.60 for a one-way domestic ticket.
How to earn Delta SkyMiles fast?
The [Delta SkyMiles Reserve Business](https://pointsnav.com/credit-cards/delta-skymiles-reserve-business) card has the highest regular signup bonus. You can earn 80,000 SkyMiles after spending $10,000 in the first six months. You’ll also earn at least 10,000 miles from that spend. Delta has offered elevated 100,000-mile bonuses in the past.
How do I get into a Delta lounge?
You can access Sky Clubs with Diamond Medallion status or by flying in a premium cabin when you hold Gold or Platinum status. Certain cards also provide access, including the Delta Reserve (personal and business) and the Amex Platinum ( [personal](https://pointsnav.com/credit-cards/american-express-platinum-personal) and [business](https://pointsnav.com/credit-cards/american-express-platinum-business)).
How do I know if I have Delta SkyMiles?
Log in to your Delta SkyMiles account to see your mileage balance. On the website, your name and miles appear at the top right. In the app, tap “Account” to view your balance. If you don’t have a SkyMiles account, you won’t have any Delta miles yet.
Can I claim miles from past flights in Delta?
Yes. You can request mileage credit after you've flown, even if you didn't have a SkyMiles account at the time. Log in and visit the [Request Mileage Credit page](https://www.delta.com/myskymiles/request-mileage-credit). As long as your flight was at least 7 days ago and within the last 9 months, you can receive credit.
Media & Resources
Video Reviews
8 videosAmex Delta vs Amex Platinum: The Best Card for Flyers
Most Delta Flyers Pick the Wrong Amex Card | 2026 Strategy
Don't Waste Your Money - Delta SkyMiles Reserve vs Platinum
10 Things You MUST Do With The Delta SkyMiles Platinum Card
The AmEx Delta SkyMiles Platinum Review (This Card Will Pay YOU To Hold It)
Delta SkyMiles Platinum Full Review | The Best Delta Card?
DELTA SKYMILES PLATINUM AMEX REVIEW! (Delta SkyMiles Platinum American Express Card Benefits)
Third-Party Articles & Reviews
Is the Delta Platinum Amex Worth the Annual Fee?
Expert analysis of the Delta Platinum card's annual fee justification, covering elite qualifying miles, skymiles earning mechanics, and strategies to maximize fee value through Delta benefits and transfers.
Delta Skymiles Platinum American Express Card Review
Comprehensive review of the Delta Skymiles Platinum card, evaluating earn rates, annual fee value, benefits for frequent flyers, and whether it's worth the annual fee for various travel patterns and spending habits.
Is the Delta Skymiles Platinum American Express Card Worth Its Annual Fee?
In-depth analysis of break-even spending requirements and value calculations for the Delta Platinum card. Examines annual fee value, elite benefits, and redemption strategies for different traveler profiles.
Platinum Delta Skymiles Credit Card from American Express Review
Full review of the Delta Platinum card with detailed assessment of benefits, fees, earn potential, and comparison to competing premium airline cards. Includes ratings and suitability guidance.
Delta Skymiles Platinum American Express Card Review
Travel blogger's review of the Delta Platinum card from a frequent traveler perspective. Covers elite benefits, boarding priority, lounge access, and real-world earning potential for active Delta customers.
Delta Skymiles Platinum American Express Card Review
Credit Karma's assessment of the Delta Platinum card covering rewards, benefits, fees, and eligibility requirements. Provides guidance on whether the card is worth the annual fee for various spending profiles.
Delta Skymiles Platinum American Express Card Guide
Comprehensive guide to the Delta Platinum card covering application process, benefits breakdown, earning strategies, and optimization tips. Includes practical advice for maximizing card value and rewards.
Delta Skymiles Platinum American Express Card Review
Bankrate's detailed review of the Delta Platinum card covering features, benefits, fee structure, and recommendations for who the card suits best. Includes spending threshold analysis and value assessment.
Delta Skymiles Platinum American Express Card
U.S. News review of the Delta Platinum card with focus on rewards structure, elite status benefits, and evaluation of annual fee value. Compares positioning within the premium airline card category.
Delta Platinum Card vs Amex Platinum Card Detailed Comparison
Side-by-side comparison of the Delta Platinum and Amex Platinum cards. Analyzes benefits differences, earning mechanics, fee structures, and scenarios where each card excels for different traveler types.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| American Express | — | American Express |
| American Express | American Express: Earn rates | |
| RewardsCC API | — | RewardsCC API |
| Delta Partner | — | Delta Partner |
| CardRatings | — | CardRatings: Welcome offer |
| CardRatings | — | CardRatings: Welcome offer.bonus cash |
| CardRatings | — | CardRatings: Bonus categories |
| American Express | American Express: Cobrand | |
| American Express | American Express: Multiple card facts | |
| American Express | American Express: Welcome offer | |
| American Express | American Express: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer |
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Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.