Delta SkyMiles® Platinum American Express Card Review

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An attractive rewards credit card for frequent Delta flyers.

Partner Offer

While some American Express rewards cards offer great perks, like complimentary access to its exclusive network of airport lounges, you won’t get that perk with the Delta SkyMiles® Platinum American Express Card (lounge access costs $39 per visit). However, you will get attractive rewards rates on several types of travel-related purchases along with other valuable travel benefits.

This card offers you the highest reward rate when you make purchases with Delta or spend on hotel bookings, which is great for those who regularly fly and stay out of town. However, it also offers elevated rewards at restaurants including takeout and delivery and U.S.supermarkets, which can help you rack up miles whether you’re away or at home. Further, purchases that don’t qualify for the higher reward rates still earn you miles. You can also get a great welcome bonus if you meet the spending requirement and will enjoy perks like a free checked bag and an annual companion pass. Overall, this will be a great card for many who fly Delta as their airline of choice.

To help you decide if it’s the best travel rewards card for you, here’s a more detailed look at its major pros and cons and how it compares to other offers.

What we like about the Delta SkyMiles® Platinum American Express Card

  • High rewards rate. With this card, you’ll be able to earn 3X miles on hotels and Delta purchases, 2X miles at restaurants worldwide, including takeout and delivery and U.S. supermarkets and 1X miles on all other eligible purchases.
  • Good welcome bonus. Earn Earn 60,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020. Terms Apply.
  • No foreign transaction fees. Frequent international travelers will love the fact there are no foreign transaction fees, which will help them save money while abroad. (See Rates & Fees)
  • Lots of travel perks. You’ll get benefits like priority boarding, a free checked bag on Delta flights booked with your card, trip delay insurance, baggage insurance and more.
  • Terms Apply

Things to consider

  • Large annual fee. The Delta SkyMiles® Platinum American Express Card has a $250 (See Rates & Fees) annual fee, which will cut into your rewards.
  • No intro APR offer. This card doesn’t have an interest-free period, so it isn’t ideal for balance transfers.
  • No complimentary lounge access. To get access to the Delta Sky Club lounge, you’ll have to pay $39 per visit. If you like to hang out in airport lounges before your flights, you may want to find a card that lets you get in for free.

Travel rewards details

The Delta SkyMiles® Platinum American Express Card offers 3X miles on bookings made directly with hotels. It also offers 3X miles on Delta purchases, including flights and trips booked through the Delta Vacations platform. To maximize your rewards, make sure all of your travel purchases qualify for 3X miles. Flying with a different airline or making your reservation on a hotel booking site will earn you a much lower rewards rate of 1X miles.

With this card, you’ll also be able to earn 2X miles at restaurants worldwide, including takeout and delivery and U.S. supermarkets, plus 1X miles on everything else. And if you spend $25,000 in a calendar year, you’ll get 10,000 Medallion Qualification Miles (MQMs). These are special points to help you qualify for Delta’s Medallion Status, which comes with perks like complimentary upgrades and priority boarding. You can qualify for this reward up to two times per year and earn a total of 20,000 MQMs.

Fee details

The Delta SkyMiles® Platinum American Express Card has a pretty big annual fee of $250 (See Rates & Fees). But it offers enough perks to justify the fee, such as an annual companion certificate for a round-trip domestic flight, which could be worth several hundred dollars depending on where you fly. You’ll also get a free checked bag on Delta tickets booked with your card (a $60 value), 20% back on in-flight purchases, priority boarding and more. Between these perks and the high rewards rate of the Delta SkyMiles® Platinum American Express Card, the $250 (See Rates & Fees) annual fee seems worth it.

In addition, fees for late and returned payments can go up to $40, cash advances cost $10 per advance or 5% (whichever is greater) and balance transfers cost $5 per transfer or 3% of the amount (whichever is greater). But the card doesn’t have any foreign transaction fees, which is a definite plus for those planning to travel overseas (See Rates & Fees).

How does it compare to other travel rewards cards?

If you’re looking for a card allowing you to earn rewards on hotels, then the Delta SkyMiles® Platinum American Express Card is a great option. But travelers who spend more on flights may want to go with the Delta SkyMiles® Reserve American Express Card. You’ll earn 3X miles on Delta flights and 15,000 MQMs if you spend $30,000 in a calendar year (up to four times per year). If you prefer a card with a low annual fee and don’t mind missing out on MQMs, the Delta SkyMiles® Gold American Express Card may suit you better.

Card Name APR Annual Fee Intro Bonus Key Features
Delta SkyMiles® Platinum American Express Card 15.74% - 24.74% Variable See Rates & Fees $250 (See Rates & Fees) Earn 60,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020. Terms Apply.
  • 3X miles Delta purchases and on purchases made directly with hotels
  • 2X miles at restaurants worldwide, including takeout and delivery and U.S. supermarkets
  • 1X miles on eligible purchases
  • 10,000 MQMs when you spend $25,000 in a calendar year, up to two times each year
  • Terms Apply
Delta SkyMiles® Gold American Express Card 15.74% - 24.74% Variable (See Rates & Fees) $0 introductory annual fee for the first year, then $99 (See Rates & Fees) Earn 50,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months, Offer Expires 10/28/2020.
  • 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets
  • 1X miles on all other eligible purchases
  • $100 Delta flight credit when you spend $10,000 in a year
  • Terms Apply
Delta SkyMiles® Reserve American Express Card 15.74% - 24.74% Variable See Rates & Fees $550 (See Rates & Fees) Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months
  • 3X miles on Delta purchases
  • 1X miles on all other eligible purchases
  • Earn 15,000 MQMs when you spend $30,000 in a calendar year, up to four times each year
  • Terms Apply

The bottom line

The Delta SkyMiles® Platinum American Express Card is a great option for anyone who likes to fly with Delta. It has valuable perks like a complimentary companion certificate, which justifies the annual fee for those who use them. But it does have a few drawbacks, such as not offering complimentary access to airport lounges or any introductory APR. If you enjoy spending time in airport lounges, another travel card like the Delta SkyMiles® Reserve American Express Card may better suit your needs. And if you’re looking to make balance transfers and pay down debt, this card may not be right for you either.

For rates and fees of Delta SkyMiles® Gold American Express Card, please click here.
For rates and fees of Delta SkyMiles® Platinum American Express Card please click here
For rates and fees of Delta SkyMiles® Reserve American Express Card, please click here

Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.

Jessica Walrack
Jessica Walrack
Contributing Writer

Jessica Walrack is a personal finance writer at SuperMoney, Interest.com, The Simple Dollar, and PersonalLoans.org. She specializes in taking personal finance topics like loans, credit cards, and budgeting, and making them accessible and somewhat fun.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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