Verdict · Updated April 2026
Delta SkyMiles Platinum American Express Card for Dining & Restaurants
The Delta SkyMiles Platinum American Express Card isn't optimized for dining & restaurants — ranked #38 of 40 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
Rank #38 of 405th percentileConsider alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Delta SkyMiles Platinum American Express Card
American Express · $350 annual fee
Delta'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.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$360
Annual fee
$350
Net value
$10
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where the Delta SkyMiles Platinum American Express Card wins for dining & restaurants
- Sign-up bonus worth roughly $900 — instant first-year value
Where it falls short
- Only 2x on dining — pure dining-focused cards earn 3-4x
- $350 annual fee with limited dining-specific credits to offset it
- No intro 0% APR and a high regular APR (30.49%) — carrying a balance is expensive
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the Delta SkyMiles Platinum American Express Card on our dining & restaurants scoring model.
How the Delta SkyMiles Platinum American Express Card performs for other use cases
Frequently asked questions
Is the Delta SkyMiles Platinum American Express Card a good card for dining & restaurants?⌄
The Delta SkyMiles Platinum American Express Card isn't optimized for dining & restaurants — ranked #38 of 40 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
How much can I earn with the Delta SkyMiles Platinum American Express Card on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $360 in rewards — net $10 after the $350 annual fee.
What are better alternatives to the Delta SkyMiles Platinum American Express Card for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the Delta SkyMiles Platinum American Express Card?⌄
The Delta SkyMiles Platinum American Express Card typically requires excellent credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Delta SkyMiles Platinum American Express Card's annual fee worth it for this use case?⌄
The $350 annual fee breaks even when you earn $350 in rewards. At the typical dining & restaurants profile ($19,200/year), this card earns $360 — net positive after the fee.
Want the full card review?
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