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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 $350 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.
On American Express' Secure Website.
Terms apply
On American Express' Secure Website.
Terms apply
Good/Excellent (670-850)
Intro APR
Purchases: n/a
Balance Transfers: n/a
APR
20.99%-29.99% Variable
Rewards 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
Annual Fee
$350
Welcome Offer Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
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.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our 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.
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$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 20.24%, 25.24%, or 29.99% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our 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.
|
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
Our 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.
|
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 19.24% - 29.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
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.
The Delta SkyMiles® Platinum American Express Card offers a variety of useful benefits.
You'll earn a welcome offer of 50,000 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
The Delta SkyMiles® Platinum American Express Card has several bonus categories to boost your rewards. It earns:
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.
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.
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.
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.
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.
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.
With a $350 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.
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
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
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.
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.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
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.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
For rates and fees for the Delta SkyMiles® Platinum American Express Card, click here
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