American Express
Delta SkyMiles Platinum American Express Card
Estimated value every year on typical spending
$271/ year
Every year, after the annual fee. Year one adds a $990 welcome bonus: $1,261
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Rideshare Credit $120 → $42 · Resy Credit $120 → $42 · Delta Stays Credit $150 → $75
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Delta SkyMiles Platinum American Express Card returns about $621 a year in rewards and usable credits, which covers its $350 fee with $271 to spare. The welcome bonus adds roughly $990 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- Foreign fee
- None
- Top perk
- First Bag Free and NEW Second Bag Free
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 3X Miles on Delta purchases and at hotels
- 2X Miles on dining and groceries
- 1X Mile on other purchases
Sign-up bonus
$300 Statement Credit and up to 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card within the first 6 months of Card Membership.
Best for
- Travelers who redeem points
- Perk-seekers who travel often
Not ideal for
- Light or occasional spenders
- People who want plain cash back
- Thin or new credit files
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $350
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- $500/mo on groceries earns about $132/year (2.2x).
- $1200/mo on everyday spending earns about $158/year (1.1x).
- The $350 fee pays for itself at about $2430/mo on groceries.
- You come out ahead of a no-fee 1% card after about $29200/year of groceries spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Delta SkyMiles Platinum American Express Card: questions people ask
Is the Delta SkyMiles Platinum American Express Card worth it?
On typical spending the Delta SkyMiles Platinum American Express Card returns about $621 a year in rewards and usable credits, which covers its $350 fee with $271 to spare. The welcome bonus adds roughly $990 in the first year.
What is the Delta SkyMiles Platinum American Express Card annual fee?
The Delta SkyMiles Platinum American Express Card has a $350 annual fee. On typical spending its rewards and usable credits come to about $621 a year, so it nets about $271 after the fee.
What is the Delta SkyMiles Platinum American Express Card welcome bonus?
Earn a $300 Statement Credit and up to 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card within the first 6 months of Card Membership. We value it at about $990. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Delta SkyMiles Platinum American Express Card earn?
3X Miles on Delta purchases and at hotels. 2X Miles on dining and groceries. 1X Mile on other purchases.
What credit score do you need for the Delta SkyMiles Platinum American Express Card?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Delta SkyMiles Platinum American Express Card charge foreign transaction fees?
No. The Delta SkyMiles Platinum American Express Card has no foreign transaction fee.
Compare Delta SkyMiles Platinum American Express Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.