Delta SkyMiles® Platinum American Express
The Delta SkyMiles® Platinum American Express from American Express earns up to 3.6% effective value on travel in Madeen's catalog snapshot. Its annual fee is $350. New applicants may see: AS HIGH AS 90,000 Bonus Miles after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Travel
- Effective value
- 3.6%
- Annual fee
- $350
Madeen may earn compensation from some apply links. Affiliate disclosure
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Delta SkyMiles Platinum American Express earn in each category?
Travel is the strongest category at 3.6% effective value (3x miles at about 1.2 cents each). That travel rate ranks higher than about 99% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Travel is the strongest category at 3.6% effective value (3x miles at about 1.2 cents each). That travel rate ranks higher than about 99% of the 1,546 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 2.4% |
| Grocery Supermarkets and grocery stores | 2x miles | 2.4% |
| Gas Gas stations and fuel | 1x miles | 1.2% |
| Travel Flights, hotels, transit | 3x miles | 3.6% Top category |
| Other General everyday spend | 1x miles | 1.2% |
Madeen values Delta SkyMiles at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Delta SkyMiles Platinum American Express reward caps and conditions?
The Delta SkyMiles Platinum American Express has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 2X miles at restaurants
- Earn 2X miles at U.S. supermarkets
- Earn 3X miles on purchases made directly with hotels
Who should get the Delta SkyMiles Platinum American Express?
The Delta SkyMiles Platinum American Express fits spenders who put meaningful volume in travel and can earn 3x miles. Best for spenders who put meaningful volume in travel and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
The Delta SkyMiles Platinum is a strong fit when Delta loyalty and annual travel credits matter more than chasing the highest cash-equivalent earn rate on everyday spend. Madeen still shows the effective-rate math so you can compare it against simpler cards in your wallet.
Best for spenders who put meaningful volume in travel and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for Delta loyalists; compare the effective rate against a no-fee everyday card before you apply.
Pros
- Solid Delta earn rates on dining, groceries, and hotels
- Travel perks can offset part of the annual fee for frequent Delta flyers
Cons
- Miles value depends on Delta redemptions, not cash back
- Less compelling if you rarely fly Delta
Does the Delta SkyMiles Platinum American Express have an annual fee, and what's the welcome bonus?
The Delta SkyMiles Platinum American Express has an annual fee of $350 and a foreign transaction fee of None. New applicants may see: AS HIGH AS 90,000 Bonus Miles after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.. Confirm current issuer terms before applying.
- Annual fee
- $350
- Foreign transaction fee
- None
- Signup bonus
- AS HIGH AS 90,000 Bonus Miles after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
What travel perks does the Delta SkyMiles Platinum American Express include?
The Delta SkyMiles Platinum American Express includes Trusted traveler credit, Free checked bag, $120 Resy Credit, $120 Rideshare Credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Trusted traveler creditFee Credit for Global Entry or TSA PreCheck®: Receive $120 back for Global Entry or $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Free checked bagFirst Checked Bag Free You can check your first bag for free and save up to $70 per person on a round-trip Delta flight.
What benefits come with the Delta SkyMiles Platinum American Express?
- $120 Resy Credit
Discover restaurants to love on your next trip. With your enrolled Card, you can earn up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants.
- $120 Rideshare Credit
Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.
- $150 Delta Stays Credit
Elevate your travel experience with an annual statement credit of up to $150 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- 20% Back on In-Flight Purchases
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in'flight purchases of food, beverages, and audio headsets.
- Annual Companion Certificate
Enjoy a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card.
- Baggage Insurance Plan
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
- Car Rental Loss and Damage Insurance
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
- Complimentary Upgrade List
Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
What annual spend bonuses does the Delta SkyMiles Platinum American Express offer?
- Get Closer to Medallion Status with Status Boost® - Earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times.
Common questions about the Delta SkyMiles Platinum American Express
Does the Delta SkyMiles Platinum American Express have an annual fee?
The Delta SkyMiles Platinum American Express carries an annual fee of $350 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Delta SkyMiles Platinum American Express?
Travel is the strongest Madeen category for the Delta SkyMiles Platinum American Express at about 3.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Delta SkyMiles Platinum American Express charge foreign transaction fees?
The Delta SkyMiles Platinum American Express does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Delta SkyMiles Platinum American Express welcome bonus?
The Delta SkyMiles Platinum American Express welcome offer in our snapshot: AS HIGH AS 90,000 Bonus Miles after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Delta SkyMiles Platinum American Express annual fee worth it?
Whether the $350 annual fee pays off depends on how much you spend in travel and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Delta SkyMiles Platinum American Express?
Madeen's catalog lists a typical credit range of Good to Excellent for the Delta SkyMiles Platinum American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Delta SkyMiles Platinum American Express compare to similar cards?
Compare the Delta SkyMiles Platinum American Express against Delta SkyMiles Platinum Business (3.6% on Travel, $350 fee); American Express Platinum Card for Schwab (3% on Travel, $695 fee); The Platinum Card from American Express Exclusively for Morgan Stanley (3% on Travel, $695 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Delta SkyMiles Platinum American Express This card | Travel | 3.6% | $350 |
American Express | Travel | 3.6% | $350 |
American Express | Travel | 3% | $695 |
| Travel | 3% | $695 | |
American Express | Travel | 3% | $895 |
Related Madeen guides
Related cards
Issuer links
Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.