Platinum Delta SkyMiles Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
17.99% ‐ 26.99%
Balance Transfer
17.99% ‐ 26.99%
Rewards
1 - 2 Miles
Signup Bonus
35000 miles (after spending $1,000)


8.7/10
Informr score
The Platinum Delta SkyMiles Credit Card currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 16 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Platinum Delta SkyMiles Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

High-rolling customers of Delta Airlines will be well-served by the Platinum Delta SkyMiles card’s elite benefits, though the card is probably beyond the means of most cardholders.

- Kelli Bamforth, CreditCards.com
Money Crashers

An excellent card for frequent, heavy-spending Delta flyers who want to accelerate their progress toward Delta’s Medallion status tiers, which confer tremendously generous benefits that increase in value as you rise through the ranks.

- Brian Martucci, Money Crashers
The Points Guy

can be a great addition to your wallet if Delta is your carrier of choice. Its $195 annual fee may seem high when compared to the fairly similar and cheaper Gold Delta card, but you get more benefits in return. Although I think the ability to fast-track Delta elite status is where the Platinum card...

- Benji Stawski, The Points Guy
Business Insider

The companion certificate is a fantastic benefit of the Platinum Delta SkyMiles credit card. Since I can easily get enough value from it to wipe out the annual fee, I'm planning to keep the card indefinitely.

- David Slotnick, Business Insider
Credit Card Insider

A good option for frequent Delta flyers. If you spend around $10,000 or more on air travel per year, this card might be a good way to lighten the load on your wallet.

- Brendan Harkness, Credit Card Insider

Details


Interest Rates
Regular APR Interest Rate 17.99% ‐ 26.99%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.99% ‐ 26.99%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.49%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $195.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 3%

Minimum of $5

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus 35000 miles after spending $1,000
  • Includes 5000 MQMs
  • On purchases within the first 3 months.
  • In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Rewards
All Purchases 1 mile for $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 2 miles for $1 spent

On Delta Purchases

Pharmacy No
Bills No
Additional Details
  • With Miles Boost, you can earn 10,000 bonus miles and 10,000 MQMs after you spend $25,000 or more in eligible purchases on the Card in a calendar year. Earn an additional 10,000 bonus miles and 10,000 MQMs after you spend $50,000 in eligible purchases on the Card in a Calendar year for a total of 20,000 bonus miles and 20,000 MQMs.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
  • Annual Miles Boost
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Additional Benefits
  • First Checked Bag Free
  • Discounted Delta Sky Club Access
  • In-flight Savings
  • Baggage Insurance Plan
  • Return Protection
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


CreditCards.com

Typical rewards scheme

from CreditCards.com

High-rolling customers of Delta Airlines will be well-served by the Platinum Delta SkyMiles card’s elite benefits, though the card is probably beyond the means of most cardholders.

Read full review

High-rolling customers of Delta Airlines will be well-served by the Platinum Delta SkyMiles card’s elite benefits, though the card is probably beyond the means of most cardholders.

Read full review

Less

Money Crashers

Not meant for people who don’t spend enough to offset the high annual fee

from Money Crashers

An excellent card for frequent, heavy-spending Delta flyers who want to accelerate their progress toward Delta’s Medallion status tiers, which confer tremendously generous benefits that increase in value as you rise through the ranks.

Read full review

An excellent card for frequent, heavy-spending Delta flyers who want to accelerate their progress toward Delta’s Medallion status tiers, which confer tremendously generous benefits that increase in value as you rise through the ranks.

Read full review

Less

The Points Guy

Will make the most sense for those who regularly fly Delta

from The Points Guy

can be a great addition to your wallet if Delta is your carrier of choice. Its $195 annual fee may seem high when compared to the fairly similar and cheaper Gold Delta card, but you get more benefits in return. Although I think the ability to fast-track Delta elite status is where the Platinum ca...More

can be a great addition to your wallet if Delta is your carrier of choice. Its $195 annual fee may seem high when compared to the fairly similar and cheaper Gold Delta card, but you get more benefits in return. Although I think the ability to fast-track Delta elite status is where the Platinum card shines the most, the annual companion certificate is also extremely valuable and can help you more than offset the card’s higher annual fee.

Read full review

Less

Business Insider

Comes with an incredibly valuable perk

from Business Insider

The companion certificate is a fantastic benefit of the Platinum Delta SkyMiles credit card. Since I can easily get enough value from it to wipe out the annual fee, I'm planning to keep the card indefinitely.

Read full review

The companion certificate is a fantastic benefit of the Platinum Delta SkyMiles credit card. Since I can easily get enough value from it to wipe out the annual fee, I'm planning to keep the card indefinitely.

Read full review

Less

Credit Card Insider

Provides frequent Delta travelers with a good value

from Credit Card Insider

A good option for frequent Delta flyers. If you spend around $10,000 or more on air travel per year, this card might be a good way to lighten the load on your wallet.

Read full review

A good option for frequent Delta flyers. If you spend around $10,000 or more on air travel per year, this card might be a good way to lighten the load on your wallet.

Read full review

Less

AwardWallet

Monster limited-time welcome bonus

from AwardWallet

Can help boost your chances of reaching Medallion elite status. One of the only ways of earning MQMs outside of butt in seat miles on Delta flights. Free checked bags for cardholders and companions is an easy way of offsetting the $195 annual fee, and the companion fare is also a decent perk if y...More

Can help boost your chances of reaching Medallion elite status. One of the only ways of earning MQMs outside of butt in seat miles on Delta flights. Free checked bags for cardholders and companions is an easy way of offsetting the $195 annual fee, and the companion fare is also a decent perk if you can navigate the shallow hurdles required for redemption.

Read full review

Less

Miles to Memories

Lackluster earning structure

from Miles to Memories

The most valuable Delta Skymiles card on the market offers a great sign up bonus, some nice features, and it is a long term keeper for people going for status with Delta.

Read full review

The most valuable Delta Skymiles card on the market offers a great sign up bonus, some nice features, and it is a long term keeper for people going for status with Delta.

Read full review

Less

Credible

For frequent flier with Delta looking for enhanced rewards

from Credible

While it allows cardholders to gain points towards complimentary flights and a slew of added perks, many of the card’s bonuses are unlocked only by a significant amount of spending on the card, in addition to frequent travel with Delta.

Read full review

While it allows cardholders to gain points towards complimentary flights and a slew of added perks, many of the card’s bonuses are unlocked only by a significant amount of spending on the card, in addition to frequent travel with Delta.

Read full review

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Credit Cards Explained

A great option for frequent Delta Airlines passenger

from Credit Cards Explained

If you are a frequent Delta Airlines passenger then the Platinum Delta SkyMiles Credit Card from American Express is a great option. Even though it has a fairly high annual fee, the annual companion certificate as well as the ability to earn bonus Medallion Qualification Miles and Delta SkyMiles, make it well worth it.

Read full review

If you are a frequent Delta Airlines passenger then the Platinum Delta SkyMiles Credit Card from American Express is a great option. Even though it has a fairly high annual fee, the annual companion certificate as well as the ability to earn bonus Medallion Qualification Miles and Delta SkyMiles, make it well worth it.

Read full review

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Wise Bread

If you are a Delta Airlines fan, this is a great choice

from Wise Bread

The Platinum Delta SkyMiles Credit Card is best for those who frequently travel with Delta Airlines and spend at least 25,000 per year to take advantage of the annual bonuses which help cover the annual fee.

Read full review

The Platinum Delta SkyMiles Credit Card is best for those who frequently travel with Delta Airlines and spend at least 25,000 per year to take advantage of the annual bonuses which help cover the annual fee.

Read full review

Less

User Reviews


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