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TPG reader Jimmy sent a message on Facebook to ask about two premium credit cards:

“I travel nearly every week, mostly on Delta. Which card offers better value in those circumstances: Amex Platinum or Delta Reserve?”

Using the right credit card is an easy way to maximize the points and miles you earn on spending, but there are other factors to consider when choosing a card for travel purchases. This is especially true of premium credit cards, which come with higher annual fees, but tend to offer a wider array of benefits that can be particularly lucrative if they suit your needs.

Both the Platinum Card® from American Express and the Delta Reserve® Credit Card from American Express are among the best cards for Delta flyers. Each one comes with an annual fee, and there’s some overlap in terms of benefits. I think deciding between the two comes down to how much you value Delta Medallion status, and whether you could benefit from earning extra Medallion® Qualification Miles (MQMs) each year.

The Reserve card offers 15,000 SkyMiles and 15,000 MQMs when you spend $30,000 in a calendar year, plus another 15,000 of each when you spend $60,000. It sounds like Jimmy is already flying enough to qualify for Gold status (including the revenue requirements), but you could get a lot of value from those spending bonuses if the extra MQMs help you reach Platinum or Diamond.

If you don’t care about elite status, then I think Amex Platinum offers better value overall. Both cards give you access to Delta Sky Clubs (when ticketed for same-day travel on a Delta-operated flight) and charge you for additional guests. However, Amex Platinum also gets you into Priority Pass and Centurion Lounges, which can help when you book with another airline or end up in an airport without a Sky Club.

The Platinum card comes with several other great benefits, such as the $200 annual airline fee credit, the $100 Global Entry application fee credit and Gold elite status with both Starwood and Hilton. Delta Reserve offers a 20% discount on Delta in-flight purchases, a free checked bag and priority boarding. Those are all nice perks for Delta flyers, but they’re not game changers.

Unless you stand to benefit from earning bonus MQMs, the Amex Platinum card offers better value.

Keep in mind that neither card is a good option for actually earning Delta miles — the Reserve card earns 2 miles per dollar on Delta purchases and the Platinum card earns 2 points per dollar when you book through Amex Travel, but there are no other bonus categories. Amex Membership Rewards transfer instantly to Delta at a 1:1 ratio, and I’d much rather earn the more flexible points than SkyMiles. However, you should look elsewhere if you want a card to maximize your return on everyday spending.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

The Platinum Card® from American Express

The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), up to a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at Marriott and Hilton. Combined with the 60,000 point welcome offer -- worth $1,200 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the annual fee makes sense for you.

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More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
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Terms and restrictions apply. See rates & fees.

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.