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.
Ratings Methodology
Apply Now for Delta SkyMiles® Platinum American Express Card
OnAmerican Express'Secure Website.
Terms apply
Delta SkyMiles® Platinum American Express Card
Apply Now for Delta SkyMiles® Platinum American Express Card
OnAmerican Express'Secure Website.
Terms apply
Rating image, 4.00 out of 5 stars.
4.00/5Our 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.
4.00/5Our 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
Credit Score: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.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Apply Now for Delta SkyMiles® Platinum American Express Card
OnAmerican Express'Secure Website.
Terms apply
Credit ScoreFalling 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.
Good/Excellent (670-850)
Intro APR
Purchases: n/a
Balance Transfers: n/a
Regular APR
20.99%-29.99% Variable
RewardsEarn 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 OfferEarn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
50,000 bonus miles
The welcome offer, bonus miles categories, and Delta perks make this card's annual fee worth it if you fly on the carrier regularly.
- Welcome offer
- Free checked bag
- Companion certificate
- Travel credit
- Annual fee
- No complimentary airport lounge access
- 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.
- 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 or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
- Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
- 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.
50,000 bonus miles bonus miles
You'll earn a welcome offer of 50,000 bonus miles bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. That could cover multiple free flights with Delta, and it's a solid welcome offer for an airline credit card.
MORE OPTIONS: Best Sign-Up Bonus Credit Cards
Up to 3 miles per $1
The Delta SkyMiles® Platinum American Express Card has several bonus categories to boost your rewards. It earns:
- 3x miles on Delta purchases made directly with Delta
- 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 your first checked bag free on Delta flights. 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 four 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.
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. (See rates and fees.) 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. If you're not confident this card is the right fit, then it's a good idea to look at other credit card reviews to see what else is out there.
No complimentary Delta Sky Club® access
As a Delta SkyMiles® Platinum American Express Card member, you and up to two guests or immediate family can purchase passes to visit Delta Sky Club® at a rate of $50 per person. You must be traveling on a same-day flight with Delta or a partner airline to qualify. Terms apply. Effective 1/1/24, this benefit will no longer be available.
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.
OTHER OPTIONS: Best Rewards Credit Cards
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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.
Since Delta has multiple credit card options, you may want to check out the rest of its lineup if you're looking for a lower annual fee or more benefits. The Delta SkyMiles® Platinum American Express Card occupies the middle ground, offering significant value without a huge annual fee.
Compared to other top credit cards
- If you want a more affordable Delta credit card: The Delta SkyMiles® Gold American Express Card has a $0 introductory annual fee for the first year, then $99. (See rates and fees.) It still offers some valuable Delta benefits, including a free checked bag and bonus opportunities. Terms apply.
- If you want free Delta Sky Club access: You can get it with the Delta SkyMiles® Reserve American Express Card. It also includes access to American Express Centurion Lounges and Escape Lounges. Terms apply.
As of Nov. 27, 2023
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| Delta SkyMiles® Platinum American Express Card | Delta SkyMiles® Gold American Express Card | Delta SkyMiles® Reserve American Express Card |
Rating image, 4.00 out of 5 stars. 4.00/5Our 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. | Rating image, 4.00 out of 5 stars. 4.00/5Our 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. | Rating image, 3.50 out of 5 stars. 3.50/5Our 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. |
Apply Now for Delta SkyMiles® Platinum American Express Card OnAmerican Express'Secure Website. Terms apply | Apply Now for Delta SkyMiles® Gold American Express Card OnAmerican Express'Secure Website. Terms apply | Apply Now for Delta SkyMiles® Reserve American Express Card OnAmerican Express'Secure Website. Terms apply |
Read Full Review | Read Full Review | |
Credit Rating Requirement: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. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Good/Excellent (670-850) | Credit Rating Requirement: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. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Good/Excellent (670-850) | Credit Rating Requirement: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. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Good/Excellent (670-850) |
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 bonus miles | 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 bonus miles | Welcome Offer:Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months. 60,000 bonus miles |
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 Mile on all other eligible purchases. 1X-2X Miles | Rewards Program:Earn 3X Miles on Delta purchases. Earn 1X Mile on all other eligible purchases. 1X-3X miles |
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 |
Regular APR: 20.99%-29.99% Variable | Regular APR: 20.99%-29.99% Variable | Regular APR: 20.99%-29.99% Variable |
Annual Fee: $250 | Annual Fee: $0 introductory annual fee for the first year, then $99. | Annual Fee: $550 |
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Apply Now for Delta SkyMiles® Platinum American Express Card OnAmerican Express'Secure Website. Terms apply | Apply Now for Delta SkyMiles® Gold American Express Card OnAmerican Express'Secure Website. Terms apply | Apply Now for Delta SkyMiles® Reserve American Express Card OnAmerican Express'Secure Website. Terms apply |
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FAQs
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.
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.
No, Delta miles don't expire.
Our Credit Cards Experts
By:Lyle Daly
Writer
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.
Fact CheckedEric McWhinnie
Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.
