Delta SkyMiles Platinum American Express Card
$350/yr
American Express
Delta SkyMiles Platinum American Express Card
4.2
(987 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Delta's mid-tier card is the sweet spot for frequent Delta flyers. The annual Companion Certificate (for domestic main cabin or higher) can save $300+ per year. Free checked bag, priority boarding, and MQM earning through spend help you reach status faster.
Annual Fee
$350
Purchase APR
21.49% – 30.49%
Rewards
1x base rate
Sign-Up Bonus
$900 value
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Who Should Get This Card
The Delta SkyMiles Platinum American Express Card is best suited for experienced cardholders who frequent delta flyers who travel with a companion. The $350 annual fee pays for itself if you spend $35,000+/year on this card.
This card is great if you…
- Annual Companion Certificate
- Free checked bag
- MQM earning through spend
- Frequent Delta flyers who travel with a companion
Consider another card if you…
- $350 annual fee
- Companion cert is domestic only
- Low base earning rate
- You prefer no annual fee or a lower-fee alternative
Rewards Breakdown
3x Delta, 2x restaurants/supermarkets, 1x everything else
| Category | Rate |
|---|---|
| Delta Purchases | 3x |
| Restaurants | 2x |
| Supermarkets | 2x |
| Everything else | 1x |
Rewards Distribution
3x
top rate
Delta Purchases3x38%
Restaurants2x25%
Supermarkets2x25%
Everything else1x13%
Sign-Up Bonus
90,000 miles and 10,000 MQMs after spending $4,000 in 6 months
Fees & APR
| Annual Fee | $350 |
| Purchase APR | 21.49% – 30.49% |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Annual Companion Certificate
Free checked bag
MQM earning through spend
Priority boarding
$350 annual fee
Companion cert is domestic only
Low base earning rate
The Bottom Line
The Good: The Delta SkyMiles Platinum American Express Card stands out for its annual companion certificate. The welcome bonus worth $900 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $350 annual fee. The $350 annual fee means you need to use the card actively to justify the cost. You'll need excellent credit (750+) to qualify.
Our Verdict: With an editor score of 8/10, the Delta SkyMiles Platinum American Express Card is one of our top-rated cards in its category. Make sure you'll earn at least $350 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the Delta SkyMiles Platinum American Express Card?▾
The Delta SkyMiles Platinum American Express Card has a $350 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the Delta SkyMiles Platinum American Express Card?▾
The Delta SkyMiles Platinum American Express Card currently offers a sign-up bonus worth approximately $900. 90,000 miles and 10,000 MQMs after spending $4,000 in 6 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Delta SkyMiles Platinum American Express Card?▾
The Delta SkyMiles Platinum American Express Card earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Delta SkyMiles Platinum American Express Card?▾
The Delta SkyMiles Platinum American Express Card is recommended for applicants with excellent (750+) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Delta SkyMiles Platinum American Express Card charge a foreign transaction fee?▾
No — the Delta SkyMiles Platinum American Express Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Delta SkyMiles Platinum American Express Card?▾
The Delta SkyMiles Platinum American Express Card has a variable purchase APR of 21.49% – 30.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Delta SkyMiles Platinum American Express Card best for?▾
The Delta SkyMiles Platinum American Express Card is best for Frequent Delta flyers who travel with a companion. A key advantage: annual companion certificate.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $144Annual fee: $350
Spend at least $2,431/mo for the rewards to cover the $350 annual fee.
Based on 1x base rewards rate @ 1.2¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.2
987 reviews
5
0
4
0
3
0
2
0
1
0
No reviews yet. Be the first to review this card.
Was this page helpful?
