Delta SkyMiles Platinum American Express Card Review

GOBankingRates Score

5.0
Our take: The Delta SkyMiles® Platinum American Express Card offers a variety of ways to earn rewards, with its top rewards tier offering 3x miles per $1 spent. It also offers valuable benefits for Delta travelers, such as priority boarding and your first bag checked for free. The main drawback is that there's a sizable annual fee, but it just may be worth it once you see what this card has to offer.
  • Airline
    5.0
How did we calculate this?

Pros

  • Competitive rewards rate
  • Competitive APR
  • Welcome offer bonus
  • Miscellaneous travel benefits

Cons

  • High annual fee
  • Requires good to excellent credit

Overview

The Delta SkyMiles Platinum American Express Card features a generous welcome offer and five different rewards categories to choose from, including top-tier rewards of 3x for Delta purchases and hotel accommodations. Plus, the card has a host of benefits and perks that can make being a cardholder well worth it if you enjoy flying Delta. Additionally, the card’s starting regular purchase APR comes in under the national average for credit cards that incur interest. However, the card does carry an annual fee. The good news is that it’s not one of the highest annual fees among airline credit cards.

Benefits and Rewards

When evaluating whether a card is right for you, benefits and rewards matter. Here’s what you need to know.

Competitive Rewards Rate

The Delta SkyMiles Platinum American Express Card’s competitive top-tier rewards rate of 3x miles per $1 is comparable to many other airline credit cards on the market. The 3x miles per $1 rewards rate applies to both Delta purchases and hotel accommodations worldwide. You can also earn 2x miles per $1 at restaurants worldwide, including takeout and delivery, 2x per $1 for purchases at U.S. supermarkets and 1x per $1 for all other eligible purchases.

Competitive APR

The APR for the card is also competitive at , which is lower than the national average for credit cards that incur interest, according to the Federal Reserve. The rate you will be assigned depends on your creditworthiness and other credit factors.

Welcome Offer Bonus

You can earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. 

Miscellaneous Travel Benefits

The Delta SkyMiles Platinum American Express Card offers a host of valuable travel benefits, including your first checked bag for free, which means a savings of up to $60 on each round-trip flight for both you and your companions traveling on the same reservation.

The following benefits are also available when you use your card:

  • Priority boarding for both you and companions traveling on the same reservation
  • One domestic main cabin round-trip companion certificate each year you renew your card. Up to $80 worth of taxes and fees may apply.
  • Access to the Delta Sky Club for $39 per visit, per person
  • 20% statement credit on in-flight purchases, which include eligible pre-purchased meals, audio headsets and in-flight purchases of food and alcoholic beverages on Delta-operated flights
  • Fee credit for Global Entry or TSA PreCheck
  • Status Boost after $25,000 and $50,000 in eligible purchases

Disadvantages

Of course, just like any other airline rewards card, the Delta SkyMiles Platinum American Express Card has its disadvantages. Here’s what you should know.

High Annual Fee

While it’s not the highest fee on the market for an airline rewards card, you’ll still pay a annual fee to be a cardholder. However, the perks and bonuses you receive may make it worth it if you use this card to fly Delta.

Credit Score Requirement

The Delta SkyMiles Platinum American Express Card requires you to have good to excellent credit. According to the FICO credit-scoring model, the minimum threshold for good credit is 670. So if your credit score is lower, you may not be approved.

Delta SkyMiles Platinum American Express Card vs. Other Delta Cards

The Delta SkyMiles Platinum American Express Card isn’t the only Delta credit card American Express, Member FDIC, offers. If you’re not sure if this particular credit card would meet your needs the best, here’s a look at how the other Delta cards stack up.

Credit Card Features
  • 3x miles per $1 on Delta purchases and hotels
  • 2x miles per $1 at restaurants worldwide and U.S. supermarkets
  • 1x miles per $1 on all other eligible purchases
  • Welcome offer of 50,000 bonus miles after spending $3,000 in the first 6 months
  • annual fee
  • No foreign transaction fee
  •  regular purchase APR
  • 2x miles per $1 on dining, groceries at U.S. supermarkets and Delta purchases
  • 1x miles per $1 on all other eligible purchases
  • Welcome offer of 60,000 bonus miles after spending $2,000 in the first 6 months
  • No annual fee for the first year, then $99 annually
  • No foreign transaction fee
  • regular purchase APR
  • 3x miles per $1 on Delta purchases
  • 1x miles per $1 on all other eligible purchases
  • Welcome offer of 50,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months
  • annual fee
  • No foreign transaction fee
  • regular purchase APR
  • 2x miles per $1 on dining and Delta purchases
  • 1x miles per $1 on all other eligible purchases
  • 10,000 bonus miles after spending $1,000 in the first 6 months
  • No annual fee
  • No foreign transaction fee
  •  regular purchase APR

Is the Delta SkyMiles Platinum American Express Card Right for You?

The Delta SkyMiles Platinum American Express Card offers five different rewards categories — Delta purchases, hotels, restaurants, supermarkets and all other eligible purchases — plus a substantial welcome offer bonus, but cardholders will also receive a free, round-trip companion ticket each year that they renew as a cardholder. The free airline ticket alone should make up for the expense of the annual fee.

Additionally, every time you fly, both you and your companions traveling on the same reservation will get one bag checked for free, which equals a savings of up to $60 round trip for each person. Add to that priority boarding for you and your companions, a 20% statement credit for in-flight purchases, and access to the Delta Sky Club for $39 per person, per visit, and it’s easy to see that this airline card delivers. The catch? You’ll have to fly Delta to reap some of the card’s biggest rewards.

All information about American Express card offers have been collected independently by GOBankingRates and have not been reviewed or approved by American Express. These offers are not available through GOBankingRates.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Oct. 12, 2022.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by American Express. American Express credit card products are not available through GOBankingRates.com.

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About the Author

Cynthia Measom is a personal finance writer and editor with over 12 years of collective experience. Her articles have been featured in MSN, AOL, Yahoo Finance, INSIDER, Houston Chronicle, The Seattle Times and The Network Journal. She attended the University of Texas at Austin and earned a Bachelor of Arts degree in English.
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