Miles · American Express · $350 annual fee
Last verified 2026-09-09. Review issuer source

Delta SkyMiles Platinum American Express is a $350-a-year miles card from American Express. Its best everyday rates are 3x on hotels, 2x on dining, and 2x on grocery stores; everything else earns 1x. There is also 3x on Delta Airlines, a single-merchant rate. Rewards are Delta SkyMiles miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year its rewards come to $134, $216 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 40,000 miles after $3,000 in 6 months, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Delta SkyMiles often enough to use the free checked bag. A general travel card earns points that go more places.
Earn 3X miles on Delta purchases
Earn 2X miles at restaurants
Earn 2X miles at U.S. supermarkets
Earn 3X miles on purchases made directly with hotels
Earn 40,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.
Discover restaurants to love on your next trip. With your enrolled Card, you can earn up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants.
Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.
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.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in'flight purchases of food, beverages, and audio headsets.
Enjoy a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card.
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
What if the color fades on your new flat-screen TV? Or your food processor starts rattling instead of slicing and dicing? Chances are it will happen right after the Manufacturer's Warranty runs out. Fortunately, when you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories.
Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Enjoy your first checked bag free on Delta flights worldwide.‡ – and on domestic Delta flights, your second bag flies free too.
Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Transform your car rental experience with Hertz Five Star Status, compliments of your Delta Platinum Card.
Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year. Plus, Get $1 Medallion® Qualification Dollar for each $20 in purchases on your Card in a calendar year, getting you closer to the Medallion Status for next Medallion Year quicker.
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry'on bag and settle in sooner.
Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits.
Get free 2-day shipping‡ on eligible items at a growing network of 100+ online stores with ShopRunner.
Take 15% off anytime you book Award Travel with miles on Delta flights when using delta.com and the Fly Delta app.
If a round-trip is paid for entirely with your eligible Card on or after January 1, 2020, 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 account per 12 consecutive month period. Terms, conditions and limitations apply.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Delta SkyMiles® Platinum American ExpressThis card · 3x on hotels | $350 | $134 | −$216 | 1272nd of 1,291 |
| American Express® GoldAmerican Express's most-held other card · 4x on dining | $325 | $594 | +$269 | 547th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.