Delta SkyMiles® Platinum American Express Card Review

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Quick Take: The American Express Delta SkyMiles Platinum credit card from American Express is an exciting option for those who travel with Delta Airlines often. The card has a competitive interest rate and rewards program and unlocks various travel-related benefits. American Express is also known for exceptional customer service. However, the $250 annual fee may be a turnoff for some.
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Delta SkyMiles Platinum American Express Card Overview

The Delta SkyMiles® Platinum Card from American Express is an impressive offering, especially if you travel often. You can earn points to redeem for flights and other travel rewards with the card. Membership also unlocks the door to a wide range of travel benefits. Some of the most exciting travel benefits include:

  • Annual companion travel certificate
  • Your first checked bag is free
  • 20% back on in-flight purchases 
  • Trip delay insurance
  • Car rental loss or damage insurance

Aside from the additional perks, the Delta SkyMiles Platinum Card also comes with a generous welcome offer bonus and rewards program coupled with a competitive interest rate. 

Read: 3 Signs You’re Serious About Raising Your Credit Score

On the other hand, there are a couple of drawbacks. You’ll have to pay a $250 annual fee to use the card, and you’ll need very good or excellent credit to qualify. 

Key Features

As you compare travel rewards credit cards, you should pay special attention to features like fees, APRs, benefits and customer service. Read on to learn how the Delta SkyMiles Platinum card stacks up. 


The fees that come with the Delta SkyMiles Platinum card are reasonable, for the most part. Here’s a breakdown of what you’ll pay if you’re approved:

  • Annual Membership Fee: $250
  • Cash Advance Fee: The greater of $10 or 5% of the amount of the cash advance
  • Foreign Transaction Fee: $0
  • Late Payment Fee: $40
  • Return Payment Fee: $40
  • Over Limit Fee: $0


The Delta SkyMiles Platinum card has an impressive APR if you have excellent credit. The card has a APR when used for purchases. The higher rate may apply to your account, depending on where you land on the approval requirement scale.


The Delta SkyMiles Platinum card comes with several benefits. The most exciting include:

  • Welcome Offer: Get 50,000 bonus SkyMiles and 10,000 medallion qualification miles when you spend $3,000 in the first six months. 
  • Rewards: Earn 3X points on Delta and hotel purchases, 2X points on dining and grocery purchases and 1 point per dollar on all other purchases. 
  • Annual Companion Certificate: Your companion flies free once annually. 
  • First Checked Bag Free: Save up to $60 per round trip per person. 
  • Global Entry or TSA Pre-Check Credit: Choose a $100 statement credit for Global Entry or an $85 credit for TSA pre-check.  
  • 20% Back In Flight: Get 20% back when you make in-flight purchases. 

Customer Service

The Delta SkyMiles Platinum card is an American Express credit card. That means you’ll get access to American Express’ top-notch customer service. In fact, the issuer ranked No. 1 for customer service in the JD Power 2022 U.S. Credit Card Satisfaction Study of National Issuers. 

How the Delta SkyMiles Platinum Card Stands Out

The Delta SkyMiles Platinum credit card stands out because it caters very well to those who travel with Delta. Not only does the card come with a generous rewards program, but it also comes with several other perks that can save you money when you travel. Between the card’s impressive rewards program, free checked bags, free annual companion certificates and other travel credits, you can save a significant amount of money on annual travel. 

Comparable Travel Rewards Credit Cards

If the Delta SkyMiles Platinum card isn’t exactly what you’re looking for, consider one of the following competitors. 

Delta SkyMiles Gold Card

If the high annual fee is what turns you away from the platinum version, consider the Delta SkyMiles® Gold Card. American Express waives the fee for the first year, and it’s only $99 per year after that. You’ll earn rewards at a slightly slower rate but you’ll still be able to take advantage of many additional travel benefits. 

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards credit card is another high-end option with plenty of travel perks. The primary difference between this card and the Delta SkyMiles Platinum card is that it’s not tied to any airline. You’ll access rewards regardless of who you like to fly with. 

How To Apply

Follow these steps to apply:

  1. Load the Delta SkyMiles Platinum webpage and click “Apply Now” [1].
  2. Fill out all required information and agree to all terms [3].
  3. Await a decision. This may be instant or it may take a few days.  

Who the Delta SkyMiles Platinum Card Is Best For

The Delta SkyMiles Platinum card is best for those with excellent credit who travel with Delta often. If you don’t travel often, the considerable annual fee probably outweighs the benefits you receive with this card. Additionally, you won’t receive as many rewards on purchases that aren’t travel-related as some other American Express offerings.

Final Take

If you have excellent credit, travel with Delta often and want a card with stellar rewards and perks, consider applying for the Delta SkyMiles® Platinum Card from American Express. 

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of May 12, 2023.

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.

Editorial Note: This content is not provided by any entity covered in this article. 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 any entity named in this article.

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

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