Delta SkyMiles Platinum American Express Card

Quick Snapshot

• Annual Fee: $350
• APR: 21.49%-30.49% variable
• Rewards: 3X Delta, 3X hotels, 2X restaurants/supermarkets, 1X everything else
• Bonus: 90,000 bonus miles after $4,000 in purchases in 6 months
• Best For: Frequent Delta flyers who want a companion certificate and are chasing Medallion status
• Credit Needed: Good to Excellent (670+)

Overview

The Delta SkyMiles Platinum American Express Card bridges the gap between the everyday Gold card and the premium Reserve card, adding an annual Domestic Main Cabin round-trip companion certificate and a Medallion Qualification boost. For $350 per year, you get all the Gold card benefits plus 3X on hotels purchased directly, a companion certificate after spending $10,000 in a calendar year, and up to 20,000 Medallion Qualification Miles that can help you reach Silver, Gold, or Platinum Medallion status.

The earning structure expands over the Gold card with 3X on Delta purchases and hotels, 2X at restaurants and U.S. supermarkets, and 1X on everything else. The 90,000-mile welcome bonus after $4,000 in spending within six months is worth roughly $1,170 in Delta flights. The companion certificate alone can save $200 to $500 depending on the route, often justifying the annual fee increase over the Gold card.

This card makes the most sense for Delta travelers who fly 6 or more times per year, check bags, and either travel with a companion or are actively pursuing Medallion status. The Medallion boost is particularly valuable because it allows you to earn qualifying miles through card spending rather than only through flights, bringing elite status within reach for less-frequent flyers who spend heavily on the card.

APR Breakdown

• Purchase APR: 21.49%-30.49% variable
• Balance Transfer APR: N/A
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: Your APR will vary with the market based on the Prime Rate. American Express does not charge a penalty APR on this product.

Benefits Overview

SkyMiles Earning

• 3X miles on Delta purchases
• 3X miles on hotels purchased directly
• 2X miles at restaurants worldwide
• 2X miles at U.S. supermarkets
• 1X miles on all other eligible purchases

Companion Certificate

• Annual Domestic Main Cabin round-trip companion certificate after $10,000 in spending
• Companion pays only taxes and fees on their ticket
• Valid on domestic round-trip flights in Main Cabin
• Certificate issued after meeting the spending threshold each calendar year

Flight-Day Perks

• First checked bag free on Delta flights for you and companions
• Priority boarding
• 20% back on eligible Delta in-flight purchases
• No foreign transaction fees

Medallion Status Boost

• Earn Medallion Qualification Miles through card spending
• Up to 20,000 MQMs available based on spending thresholds
• Accelerate your path to Silver, Gold, or Platinum Medallion status

Rewards & Points

• 3X miles on Delta purchases
• 3X miles on hotels purchased directly
• 2X miles at restaurants and U.S. supermarkets
• 1X miles on all other eligible purchases

The companion certificate is issued after you spend $10,000 in a calendar year and is valid for domestic Main Cabin round-trip flights. It can save $200 to $500+ depending on route and fare class. Medallion Qualification Miles earned through spending can be combined with flight-based MQMs to reach elite status tiers.

Welcome Bonus

Earn 90,000 bonus miles after you make $4,000 in eligible purchases on your new card within the first 6 months of card membership. At average Delta redemption values, this bonus is worth approximately $1,170 toward Delta flights, covering one or two domestic round trips or contributing significantly toward an international award ticket.

Fees Summary

• Annual Fee: $350
• Balance Transfer Fee: N/A
• Cash Advance Fee: Either $5 or 3% of the amount, whichever is greater
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Frequent Delta travelers who fly 6+ times per year and want a companion certificate
• Medallion status chasers who want to earn MQMs through card spending
• Couples and travel partners who can save hundreds with the companion certificate
• Hotel bookers who want 3X on directly purchased hotel stays

Not Good For

• Solo travelers who cannot use the companion certificate
• Light spenders who cannot hit $10,000 annually to earn the companion certificate
• Sky Club seekers who want lounge access reserved for the Reserve card

Key Pros & Cons

Pros

• Annual companion certificate can save $200 to $500+ on domestic flights
• 90,000-mile welcome bonus is worth over $1,000 in Delta flights
• Medallion Qualification Miles through spending help reach elite status
• 3X on Delta and hotels covers major travel categories
• Free first checked bag and priority boarding included
• 2X at restaurants and supermarkets for everyday earning
• No foreign transaction fees
• 20% back on eligible Delta in-flight purchases
• 6-month window to meet the welcome bonus spending requirement

Cons

• $350 annual fee is a significant step up from the Gold card at $150
• Companion certificate requires $10,000 in annual spending to earn
• Companion certificate valid only for domestic Main Cabin round trips
• No Delta Sky Club access
• 1X base rate on non-bonus purchases remains below average
• Hotel bonus only applies to hotels purchased directly, not through third parties
• MQM boost still requires meeting minimum spending thresholds
• No Global Entry or TSA PreCheck credit

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $1,892 including welcome bonus at $1,170, companion certificate at $350, checked bag savings at $280, and points earned, minus the $350 annual fee. Based on SkyMiles at 1.3 cents each.

Should You Get This Card?

You Should Get It If...

• You fly Delta frequently and often travel with a companion who can use the certificate
• You spend $10,000 or more annually on the card and want the companion certificate
• You are pursuing Medallion status and need MQMs earned through card spending
• You book hotels directly and want 3X miles on hotel stays
• You want all the Gold card benefits plus companion and status perks
• You value the ability to earn elite status through spending, not just flying

You Should Skip It If...

• You usually travel solo and cannot use the companion certificate
• You spend less than $10,000 per year and cannot earn the companion certificate
• You want Delta Sky Club access, which requires the $650 Reserve card
• You prefer the Gold card at $150 and do not need the companion or MQM perks
• You fly multiple airlines and would prefer flexible travel points
• You do not book hotels directly and cannot benefit from the 3X hotel rate

Apply Now

Apply for Delta SkyMiles Platinum American Express Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.