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Delta SkyMiles Platinum American Express Card review
Written by Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, Aug.
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4, 2022 Edited by Senior Editor Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. Reviewed by Personal Finance Writer Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Aja is the author of “How a Mother Should Talk About Money with Her Aug.
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PREV NEXTSnapshot
4.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research.
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Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bottom line If you’re a serious traveler who flies Delta often, the Delta Skymiles Platinum Card from American Express is a great card for you. But if you don’t take many flights or don’t value lounge access and other top-tier extras, there are other cards that can save you more money by offering better rewards.
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on American Express's secure site
Best for frequent Delta flyers
Delta SkyMiles® Platinum American Express Card
Rewards rate 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.
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and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.
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Annual fee Intro offer Earn 50,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 6 months. Regular APR Recommended Credit Score A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for.
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However, credit score alone does not guarantee or imply approval for any financial product.
Delta SkyMiles® Platinum American Express Card Overview
The Delta SkyMiles® Platinum American Express Card is a smart card to have if you frequently fly with Delta Air Lines. This has a $250 annual fee, but the bonus miles you can rack up by using the card may make it worth it, especially if you travel often and Delta's your airline of choice.
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What are the pros and cons
Pros
Numerous travel perks, including discounted lounge access, priority boarding and coverage for trip delays, car rentals and baggage Boosted MQMs toward Medallion Status and discounts on in-flight purchases No foreign transaction feesCons
The $250 annual fee may not be worth it if you don’t care as much about obtaining elite status with Delta You may be able to get better travel perks, plus have more flexibility, with a general travel credit cardA deeper look into the current card offer
Quick highlights
Rewards: Earn 3X miles on Delta flights and Delta Vacations® purchases, plus on transactions made directly with hotels; 2x miles at U.S. supermarkets and restaurants, including delivery and takeout in the U.S.; 1X miles on all other eligible purchases. Welcome offer: 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in your first 6 months.
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Annual fee: $250 Purchase intro APR: N/A Balance transfer intro APR: N/A Regular APR: 19.49 percent to 28.49 percent (variable)
Current welcome offer
New cardholders can earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after spending $3,000 in their first six months with the Delta SkyMiles Platinum card. This is a drop from the card's last bonus offer of 80,000 miles after spending $4,000 in the first six months, but it includes MQMs, which could make it more appealing if you're after elite status with Delta.
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Based on Bankrate's latest , which give Delta SkyMiles an average value of 1.3 cents each, this new bonus could be worth around $650 in Delta travel.
Rewards rate
You'll earn with every purchase, and you can redeem them for flights and more.
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Earning rewards
Earn rewards by using your Delta SkyMiles Platinum American Express Card on any purchase. Earn 3X miles on Delta Vacation purchases, Delta flights and hotel bookings (made directly with the hotel). Plus, you can earn 2X miles at U.S.
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supermarkets and restaurants, including delivery and takeout in the U.S. All other eligible purchases will net you 1X miles.
Redeeming rewards
There are numerous options for .
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First and foremost, of course, is booking flights with Delta or its . Simply select "" when searching for flights on delta.com. You can also redeem SkyMiles toward Delta Sky Club memberships and purchases (including drinks within each lounge), seat upgrades, Delta Vacations packages, gifts, donations to charity, magazine subscriptions, special event SkyMiles Experiences and SkyMiles Marketplace purchases.
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If you're eligible, you can also enroll in to earn additional rewards and credits with partner merchants.
How much are miles worth
Delta doesn't maintain a fixed award chart, meaning that the amount of miles it charges for a given ticket varies depending on the flight's time of year, distance and airline(s) involved.
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Through this method, Bankrate's latest valuation estimates that each Delta SkyMiles is worth 1.3 cents on average. However, using the Pay with Miles feature allows you to pay for a portion of your eligible airfare with miles that do offer a consistent value. You can put miles toward your flight in 5,000-mile increments for a $50 discount - meaning your miles are worth 1 cent each this way.
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Key cardholder perks
In addition to helping you save on flights, there are other Delta Platinum Amex benefits for travelers.Travel benefits
Get your first checked bag free when you fly Delta flights Receive Main Cabin 1 priority boarding on Delta flights Get a domestic Main Cabin round-trip companion ticket every year upon renewal of your card (not valid for flights outside the continental United States; applicable fees apply) Get an up to $185 value toward Global Entry and TSA PreCheck via application fee credits - an up to $100 statement credit for Global Entry application fees by applying through any Authorized Enrollment Provider, which gives you access to TSA PreCheck at no additional cost (an $85 value in application fees) Get access to the Delta Sky Club for $39 per person when traveling on a Delta flight Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year.
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After you spend $25,000 in purchases on your card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different from miles you earn toward flights.
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Get 20 percent back on in-flight purchases of beverages, food and headsets The card also provides trip delay insurance, car rental damage and loss insurance, baggage insurance and a 24/7 Delta Platinum global assist phone hotline.
Purchase benefits
Get purchase protection on covered purchases for up to 90 days from the purchase date as well as an extended warranty for warranties of five years or less on covered purchases.
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Entertainment benefits
Get and cardmember-only events like concerts, sporting events and Broadway shows through American Express Experiences.Rates and fees
The Delta SkyMiles Platinum American Express Card has a 19.49 percent to 28.49 percent variable APR, so be wary if you think you may carry a balance.
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The annual fee is $250 for this card, which means if you don't take advantage of any of the card's perks and only relay on rewards earned via spending to offset the annual fee, you'll need to spend around $6,400 in your 3X categories every year to break even at the 1.3-cent-per-mile Bankrate value (about $695 per month if redeemed via Pay with Miles). That's a lot to spend just to cover the annual fee, so how much you value the card's perks will be key in determining whether it's worth it for you. There is no foreign transaction fee or over-limit fee.
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Penalty fees for late and returned payments are up to $40.
How the Delta SkyMiles Platinum American Express Card compares to other travel cards
The Delta Skymiles Platinum American Express Card has plenty of perks, but the value of those benefits isn't the same for everyone.
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If you're loyal to Delta, and you want rewards that you can easily use on tickets, then this is a great card for you. But if you're looking for more flexible rewards that can be used for a broader range of hotel and airfare expenses, then it might not be your best option.
Delta SkyMiles® Platinum American Express Card
star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research.
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Credit card issuers have no say or influence on how we rate cards. on American Express's secure site Annual fee Intro offer Earn 50,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 6 months.
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Rewards rate 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.
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and at U.S. supermarkets.
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Earn 1X Miles on all other eligible purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
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Citi® AAdvantage® Platinum Select® World Elite Mastercard®
Annual fee Intro offer Earn 50,000 American Airlines AAdvantage bonus miles after $2,500 in purchases within the first 3 months of account opening Rewards rate Earn 2 AAdvantage miles for every $1 spent at gas stations and restaurants. Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for.
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However, credit score alone does not guarantee or imply approval for any financial product.
Chase Sapphire Preferred® Card
on Chase's secure site Annual fee Intro offer Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards.
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Rewards rate 5x on travel purchased through Chase Ultimate Rewards 3x on dining. 2x on all other travel purchases, plus more.
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Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
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Delta Skymiles Platinum American Express Card vs Citi AAdvantage Platinum Select World Elite Mastercard
Depending on where your airline loyalty lies, you may be better served with other airline-specific cards. The , for example, provides benefits to American Airlines frequent flyers.
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These include 50,000 bonus miles after making $2,500 in purchases within the first three months of account opening and 2X miles on eligible American Airlines purchases and transactions made at restaurants and gas stations. Plus, there's no annual fee for the first 12 months.
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After that, it's only $99.
Delta Skymiles Platinum American Express Card vs Chase Sapphire Preferred Card
If you want travel benefits but don't want to be tied to one airline, the credit is for you. The card has an annual fee of $95, but the 60,000 bonus points after making $4,000 in transactions within the first three months are worth up to $750 when redeemed for travel through the Chase Ultimate Rewards portal.
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You also get 5X points on travel purchased through Chase Ultimate Rewards, 3X points on dining and 2X points on all other travel purchases. Plus, you'll earn 25 percent more value on travel purchases through Chase Ultimate Rewards.
Best cards to pair with the Delta SkyMiles Platinum American Express Card
If you're a Delta loyalist, this very well may be a great addition to your wallet since you can rack up points on flights and hotel purchases.
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But if you're not particularly loyal to Delta, it could make sense to hold another , or a travel rewards card that earns transferable points for more flexibility. To maximize all your purchases, and especially ones that don't fall into the travel, grocery stores and restaurants category, you might look into getting a cash-back credit card with no annual fee like the . It awards you with 5 percent cash back on you activate (on up to $1,500 in combined spending and then 1 percent), plus a Cashback Match bonus which automatically matches all the cash back you've earned at the end of your first year.
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Bankrate s take Is the Delta SkyMiles Platinum American Express Card worth it
If you fly with Delta at least a couple of times a year, the Delta SkyMiles Platinum American Express Card may be worth the annual fee. The $39 Delta Platinum Amex lounge access and priority boarding alone could make your flights go more smoothly, plus the waived checked bag fee for the first bag on each flight is another nice perk.
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But depending on the airlines you like to fly with, you may be better off getting a more versatile travel rewards credit card. If your spending habits are more focused on non-travel categories, a cash-back credit card with no annual fee may be a better fit. For rates and fees of the Delta SkyMiles Platinum, please click .
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Eligibility and Benefit level varies by card. Terms, Conditions and Limitations Apply.
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Please visit for more details. Underwritten by Amex Assurance Company.
The information about the Citi® AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by . The card details have not been reviewed or approved by the card issuer.
The information about the Citi® AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by . The card details have not been reviewed or approved by the card issuer.
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ON THIS PAGE
Written by Garrett Yarbrough Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. Edited by Senior Editor Reviewed by Personal Finance WriterAdvertiser Disclosure
Bankrate.com is an independent, advertising-supported comparison service.
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The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site.
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Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers.
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Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
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Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date.
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All products or services are presented without warranty. Check the bank’s website for the most current information.
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