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 60,000 bonus miles after spending $3,000 on purchases in the first six months of card membership.
TPG’s October 2025 valuations value Delta SkyMiles at 1.2 cents per point, which makes this offer worth $720.
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
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.