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American Express · delta

Delta SkyMiles Platinum American Express Card

4.2 / 5

Delta SkyMiles · Personal card

Buy it for the companion certificate. A couple flying Delta once a year domestically usually clears the $350 fee on that benefit alone.

See current offer

At a glance

Welcome bonus: 90,000 miles; Spend $4,000 in 6 months
Annual fee: $350; Year-one and ongoing
Purchase APR: 19.49% to 28.49%; No intro APR
FX fee: None

Editorial

Our take

Buy it for the companion certificate. A couple flying Delta once a year domestically usually clears the $350 fee on that benefit alone.

Verdict

Pros & cons

Pros

Companion certificate on every renewal
Two free checked bags
$2,500 MQD Headstart toward status
Monthly Resy and rideshare credits

Cons

$350 fee before the certificate kicks in at renewal
SkyMiles are revenue-priced
No lounge access since 2024

Earnings

Earn rates

Category	Rate	Notes
Delta purchases	3x miles
Hotels direct	3x miles
Restaurants	2x miles	Worldwide, including US takeout and delivery.
US supermarkets	2x miles
All other purchases	1x miles

Benefits

Key benefits

Annual companion certificate

Round-trip Main Cabin companion fare on renewal, domestic plus select Caribbean and Central America. Usually worth more than the fee.

Two free checked bags

First and second bags free on Delta.

MQD Headstart

$2,500 MQD toward status each year plus 1 MQD per $20 spent.

Fit

Who this is best for

Couples who fly Delta yearly
Medallion status chasers using MQD Headstart

FAQ

Frequently asked questions

What is the Delta Platinum welcome bonus?

Earn as high as 90,000 bonus miles plus a $300 statement credit after spending $4,000 in eligible purchases in the first 6 months. Offer ends November 4, 2026.

Does the Delta Platinum charge an annual fee?

Yes. The annual fee is $350 every year.

Does the Delta Platinum have a foreign transaction fee?

No. The Delta Platinum charges no foreign transaction fee, so it works well for international purchases.

What APR does the Delta Platinum charge?

The purchase APR is 19.49% to 28.49% variable.

Who is the Delta Platinum best for?

Couples who fly Delta yearly. Medallion status chasers using MQD Headstart.

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