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Delta SkyMiles® Platinum Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
16.49% ‐ 25.49% (Variable)
Interest Rate: Purchases
16.49% ‐ 25.49% (Variable)
Balance Transfer
Balance Transfer
1 - 3 Miles
1 - 3 Miles
Signup Bonus
90000 miles (after spending $3,000)
Signup Bonus
90000 miles (after spending $3,000)

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...


You have to be a Delta frequent flyer for this card to be worth the cost, but it has some of the best benefits.

- Jaclyn DeJohn, Cnet
One Mile at a Time
One Mile at a Time

The Delta Platinum Amex offers solid perks for those who fly Delta frequently, especially Medallion members. For many, the annual companion certificate will more than justify the annual fee in and of itself, without even accounting for all of the other perks. Some will also find it worth spending mo...

- Ben Schlappig, One Mile at a Time

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

- Kelli Bamforth,

This card is best for someone who already flies Delta Airlines and wants to be rewarded for their loyalty. In order to reap all the rewards, cardholders should also be comfortable using the card regularly and paying it off in full each month.

- Morgan Quinn, MyBankTracker
The Balance
The Balance

It is among the few Delta co-branded credit cards that offer access to Delta’s SkyClub airport lounges (albeit for a fee). For heavy spenders, the card offers a shortcut to elite status in Delta's frequent flyer loyalty program—and even more perks.

- Holly D. Johnson, Madeline Simpson, The Balance


Interest Rates
Regular APR Interest Rate 16.49% ‐ 25.49% (Variable)

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

Balance Transfer Interest Rate
Cash Advance Interest Rate 25.99% (Variable)

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

Rates & Fees
Annual Fee $250.00
Balance Transfer Fee 3%

Minimum of $5

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 $3,000
  • On purchases within the first 3 months
  • Also earn 10000 Medallion Qualification Miles after you spend $3000
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
  • Get closer to Medallion Status by earning 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year.
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
  • First Checked Bag Free
  • Priority Boarding
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
  • Receive either a $100 statement credit for Global Entry or an $85 credit for TSA Pre✓®.
  • $39 Delta Sky Club® Access
  • 20% Back On In–flight Purchases
  • Trip Delay Insurance
  • Baggage Insurance Plan
  • Global Assist® Hotline
  • Entertainment Access
  • Complimentary ShopRunner Membership
  • Cell Phone Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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