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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Delta SkyMiles Platinum Card card art
Delta Platinum 1 of 1
Comparing 1 card
Delta SkyMiles Platinum Card card art
American Express
Delta Platinum
Apply Details
Cost and value $350 fee
Annual fee
$350
Credits you can use a year, if you use every one
$420
Fee after credits
$70 back credits beat the fee
Point value per point or mile
1.20¢ Estimate
Rewards currency
Delta SkyMiles
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 90,000 miles, about $1,380
Bonus
90,000 miles + $300 $300 Statement Credit
Estimated value
$1,380
Spend to earn it less a month is easier
$4,000 in 180 days about $667 a month
Offer ends
Nov 4, 2026
Varies by applicant
Yes the issuer may show you a different offer
Earning rates Top rate 3x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
2x about 2.4% back
Groceries
2x about 2.4% back
Hotels
3x about 3.6% back
Everything else
1x about 1.2% back
Only on this card
  • 3x Flights
Statement credits $420 a year
Trusted traveler
  • $120 every 4 years
    What counts

    Receive either a $120 statement credit for Global Entry application fee or up to $85 statement credit for TSA PreCheck application fee every 4 years.

Rideshare
  • $120 a year $10 every month
    What counts

    Earn up to $10 back in statement credits each month for U.S. rideshare purchases with select providers, up to $120 back annually.

Dining and delivery
  • $120 a year $10 every month
    What counts

    Get up to $10 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Card for eligible purchases. That's up to $120 in statement credits annually.

Travel booking
  • $150 a year resets every year
    What counts

    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 Delta Stays on delta.com.

Monthly credits to track fewer is less work
2
Certificates and passes 1 companion fare, about $300 a year
Values are our estimate of what each certificate typically saves. Certificates expire, so their value depends on using them in time.
Companion fares
  • Companion Certificate Delta Main round trip within the U.S., Mexico, the Caribbean or Central America, each card year, Government taxes and fees of $22 to $250 apply., about $300 a year
Yearly value certificates that arrive each card year
about $300
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel Hertz Gold Plus Rewards Five Star
Elite status
  • Hertz Gold Plus Rewards: Five Star after you enroll
Other status perks
  • Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Earn $1 Medallion Qualification Dollar for each $20 of purchases on the Card, boosting progress toward elevated Medallion Status.
  • Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year toward Medallion Status.
Travel benefits
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • On domestic Delta flights, your second checked bag flies free too.
  • Enjoy your first checked bag free on Delta flights worldwide.
  • Take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Not applicable to partner-operated flights or to taxes and fees.
  • Companion Certificate for a Delta Main round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. Requires payment of government-imposed taxes and fees of $22-$250.
Protection and insurance 6 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.
Baggage
  • Coverage for lost, damaged, or stolen baggage when purchasing the entire fare for a Common Carrier ticket on an Eligible Card. Up to $1,250 for carry-on and up to $500 for checked baggage, in excess of Common Carrier coverage.
Rental car
  • When you use your Eligible Card to reserve and pay for the Entire Rental and decline the CDW at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Secondary coverage, no liability coverage.
Cell phone
  • Reimbursed for costs to repair or replace your damaged or Stolen cell phone for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill paid by an Eligible Card. A $50 deductible applies.
Extended warranty
  • Get up to one extra year added to the Original Manufacturer's Warranty on covered purchases with warranties of 5 years or less in the United States or its territories.
Other coverage
  • Send & Split enhances the way you send money and split purchases with other Venmo and PayPal users, all in the American Express App. Enrollment required.
  • Covered purchases can be protected for up to 90 days from purchase date, up to $1,000 per purchase and $50,000 per calendar year.
Lifestyle and other perks 2 perks
Lifestyle and entertainment
  • Enhanced experience at select stadiums and arenas with dedicated entrances or fast lanes, plus 10% back on qualifying concessions purchases up to $250 per calendar year after enrollment. Limit one enrolled card per Card Member.
  • Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can't-miss events and moments across sports, music, and more.
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • Baggage insurance plan
  • Car rental loss and damage insurance
  • Cell phone protection
  • Purchase protection
  • Trip delay insurance
Application rules 2/90
Issuer approval rules
  • 2/90 Community-reported
    What counts

    American Express generally approves at most 2 of its credit cards per 90 days.

  • 5 credit card limit Community-reported
    What counts

    American Express generally limits you to 5 of its credit cards at once.

  • 10 charge card limit Community-reported
    What counts

    American Express generally limits you to 10 of its charge cards at once.

Bonus eligibility
  • Once per lifetime Issuer-stated
    What counts

    American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

Card type
Personal