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Delta SkyMiles® Platinum Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.99% ‐ 29.99% (Variable)
Interest Rate: Purchases
20.99% ‐ 29.99% (Variable)
Balance Transfer
Balance Transfer
1 - 3 Miles
1 - 3 Miles
Signup Bonus
90000 miles (after spending $4,000)
Signup Bonus
90000 miles (after spending $4,000)

Informr score
The Delta SkyMiles® Platinum Card currently has an Informr score of 8.3 out of 10. This score is based on our evaluation of 37 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Delta SkyMiles® Platinum 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...


Because of changes made to the Delta SkyMiles program that start in 2024, the Delta SkyMiles® Platinum American Express Card offers less value than in previous years. For example, this card once came with a Medallion Qualification Dollar (MQD) waiver and a Status Boost promotion that let users spend...

- Holly Johnson, Time
Your Mileage May Vary
Your Mileage May Vary

The previous reasons people had a Delta SkyMiles Platinum American Express Card were for the companion certificate and the ability to waive the MQD status requirement. Delta and AMEX have changed the card by raising the annual fee, changing how it helps you achieve Medallion Status, and adding sever...

- Your Mileage May Vary
The Points Guy
The Points Guy

The Delta SkyMiles Platinum American Express Card can be a great addition to your wallet if Delta is your carrier of choice. Its annual fee may seem high compared to the lower annual fee Delta Gold Amex, but you get useful benefits in return, like the annual companion certificate that can provide si...

- Stanley Sanford, The Points Guy

If you’re a frequent Delta traveler, this rewards card can be a great choice thanks to its valuable travel rewards and perks. However, some of this card's premium perks will be discontinued in 2024, so other travel cards may offer better rewards and savings.

- Aja McClanahan, Bankrate

The Delta SkyMiles® Platinum American Express Card stands out not only among the family of co-branded Delta and American Express cards, but among all airline cards. Its rewards program captures more categories with higher rewards rates than its competitors. There are other perks that make the cost w...

- Jaclyn DeJohn, Cnet


Interest Rates
Regular APR Interest Rate 20.99% ‐ 29.99% (Variable)

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

Balance Transfer Interest Rate
Cash Advance Interest Rate 29.99% (Variable)

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

Rates & Fees
Annual Fee $30.00
Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 90000 miles after spending $4,000

On purchases within the first 6 months

All Purchases 1 mile for $1 spent
Restaurants 2 miles for $1 spent
Gas No
Groceries 2 miles for $1 spent

On purchases made at U.S. supermarkets

Hotels 3 miles for $1 spent
Travel 3 miles for $1 spent

On Delta flights and Delta Vacations

Pharmacy No
Bills No
Additional Details
  • Earn $1 Medallion Qualification Dollar after you spend $20 on your Delta SkyMiles® Platinum Card
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 Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • Get 15% off when booking Award Travel with miles
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to elevated Status for next Medallion Year
  • $150 Delta Stays Credit
  • $120 Rideshare Credit
  • $120 Resy Credit
  • First Checked Bag Free
  • Annual Companion Certificate
  • Fee Credit for Global Entry or TSA Precheck®
  • 20% Back on In–flight Purchases
  • Complimentary Upgrade List
  • Hertz Five Star® Status
  • Trip Delay Insurance
  • Baggage Insurance Plan
  • Global Assist® Hotline
  • ShopRunner membership
  • American Express® Experiences
  • Cell Phone Protection
  • Dispute Resolution
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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