Is the Delta Platinum Amex worth the annual fee?
Editor's Note
The Delta SkyMiles® Platinum American Express Card is a mid-tier card with a $350 annual fee (see rates and fees).
When annual fees reach the $300-plus mark, you start to question whether the benefits and perks make the fee worthwhile.
So, let's dive in and see if the Delta Platinum Amex is worth its annual fee.
Welcome offer
The Delta SkyMiles Platinum offers new cardmembers the opportunity to earn up to 100,000 bonus miles: 80,000 bonus miles after spending $4,000 on purchases in the first six months of card membership, plus earn 20,000 bonus miles after spending an additional $2,000 on purchases (for a total of $6,000) in the first six months of card membership.
TPG's October 2025 valuations value Delta SkyMiles at 1.25 cents per point, which makes this offer worth up to $1,250.
You might not be eligible for this welcome offer if you have or have had other SkyMiles Amex cards. If you want to upgrade or downgrade, you should check your Amex account and see if there are any offers.
American Express may consider other factors when determining your welcome offer eligibility. Make sure to pay attention to any messages that pop up during the application process.
Related: Best time to apply for Delta American Express cards based on offer history
Earning rates
The Delta Platinum Amex is limited to only earning Delta SkyMiles.
This card earns:
- 3 miles per dollar spent on all Delta purchases and hotels worldwide booked directly
- 2 miles per dollar spent on dining at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets
- 1 mile per dollar spent on all other purchases
Based on TPG's October 2025 valuations, these rates equate to a 3.6%, 2.4% and 1.2% return on spending, respectively.
Other cards have a higher return on spending on everyday purchases, but if you are a Delta loyalist, the airline-specific benefits and other perks make this a solid option.
Related: Best airline credit cards
Complimentary upgrades
Cardmembers who don't have Delta SkyMiles Medallion status are eligible to receive complimentary upgrades to Delta One (on domestic flights), first class and Delta Comfort after Medallion members.
It is important to note that upgrades are unlikely for just being a cardmember, as all Medallion elite and upgrade certificates will take higher precedence in the upgrade queue.
That said, even receiving just one upgrade in a calendar year can help offset the Delta Platinum Amex's annual fee.
Related: Secure a better seat: The ultimate guide to getting upgraded on Delta flights
Appealing credits
Ride-hailing statement credits
Users of ride-hailing services will value the fact that the Delta Platinum Amex offers a monthly up-to-$10 statement credit (up to $120 per calendar year) after they use their card to pay for an eligible ride-hailing service. This credit is valid on select ride-hailing services in the U.S.
(Enrollment is required; terms apply.)
Related: Uber unveils new family, group features to simplify the travel experience
Resy statement credits
Foodies can rejoice, as the Delta Platinum Amex has Resy credits. Cardmembers receive up to $10 monthly in statement credits on eligible purchases with U.S. Resy restaurants (up to $120 per calendar year).
Any restaurant on Resy is eligible for the credit if you pay using your Delta Platinum Amex. (Enrollment is required; terms apply.)
Amex states: "Eligible Resy purchases include purchases made directly from U.S. restaurants that offer reservations on Resy.com and the Resy app and accept American Express Cards, purchases made directly on Resy.com or in the Resy app, and purchases made via Resy Pay. Restaurants must be live on Resy.com or the Resy app at time of purchase to be eligible for the statement credit and are subject to change at any time. Purchases of Resy OS restaurant management software and Resy-branded American Express® Gift Cards are not eligible."
This credit is valuable to me as I often eat out at restaurants, and many restaurants are listed on Resy, so I treat this as $10 off the cost of my meal.
Delta Stays statement credit
Delta Platinum Amex cardmembers receive an annual up-to-$150 credit on Delta Stays per calendar year. To receive the credit, you must book prepaid hotels or vacation rentals through the Delta Stays website.
This can add great value as, in some cities, you can easily find hotels or vacation rentals for under $150 a night, essentially netting you a free night that helps offset the cost of the annual fee.
Related: 16 ways to earn more Delta SkyMiles
Hertz status
Delta Platinum Amex cardmembers receive complimentary Hertz Five Star status. This mid-tier status offers a one-car-class upgrade (if available) and up to an extra 25% points earned on each rental.
(Enrollment in the Hertz Gold Plus Rewards program is required; terms apply.)
This benefit is useful if you book a smaller car but want a bigger one. Hertz is my go-to car rental company, and I have had Five Star status for years. I get an upgrade almost every time I rent; in most cases, the upgrade is more than one class.
Related: Save money on your next trip! Use these tips to never pay full price for a rental car
Status boost
The Delta Platinum Amex comes with a much-needed way to jump-start qualification toward Medallion status. For every $20 you spend, you will earn 1 Medallion Qualification Dollar.
Additionally, cardmembers receive a head start of 2,500 MQDs deposited into their SkyMiles account every Medallion qualification year.
Earning MQDs through credit card spending means you can fly less and still earn valuable Medallion status.
Companion certificate
Cardmembers of the Delta Platinum Amex get an annual companion certificate each card year anniversary. This companion certificate allows you to buy two round-trip tickets (with up to four segments) for the price of one — plus taxes and fees between $22 and $250.
This companion certificate is valid on round-trip Main Cabin tickets on flights within the U.S. (including Alaska and Hawaii) and to and from Mexico, the Caribbean and Central America.
Related: How to save money with an annual Delta companion ticket
Other benefits
The Delta Platinum Amex card comes with a variety of other useful benefits, such as:
- 15% off all Delta-operated award flights in any cabin of service (I use this perk frequently when I am looking to book last-minute domestic transcontinental flights)
- Free checked bags (first bag free for the cardmember and up to eight people traveling on the same reservation)
- A $120 credit for Global Entry every four years or up to an $85 credit for TSA PreCheck every 4½ years
- 20% back on inflight purchases of food and drink (inflight Wi-Fi purchases not included)
- Travel protections
(Enrollment is required for select benefits.)
Related: Your complete guide to travel protections on American Express cards
Bottom line
The Delta Platinum Amex card is a mid-tier credit card in the SkyMiles Amex family and offers useful monthly credits and decent earning rates to help offset the annual fee.
This card option is good for Delta loyalists looking to achieve or maintain Medallion status. If you utilize all the credits, you can easily come out ahead.
However, if you don't utilize these credits or fly Delta frequently, there are better options with lower annual fees.
To learn more, read our full review of the Delta Platinum card.
Apple here: Delta SkyMiles Platinum
For rates and fees of the Delta SkyMiles Platinum, click here.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees