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American ExpressChecked Oct 4, 2026

Delta SkyMiles® Platinum American Express Card

100,000 Delta SkyMiles miles after you spend $3,000 in 3 months. $350 a year.

Welcome offer
Annual fee
Purchase APR, variable
Foreign transaction fee

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$820−$180
Typical spender$1,060$60
Heavy spender$1,560$560
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • Worth more to a typical spender than about 65% of the 650 cards we track.
  • Lower top APR than about 25% of the 577 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

100,000 miles

After you spend $3,000 on purchases in your first 3 months.

The offer is described as earning up to 100,000 bonus miles. Bonus miles for promotional offers are posted 8 to 12 weeks after the end of each month.

Spending it takes$1,000 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change

How you earn · Delta SkyMiles

  • 3× milesAir travel on a Delta flight, air travel on a Delta partner flight with a DL flight number, Delta Stays prepaid hotels and vacation rentals, Delta Vacations packages, and other Delta services
  • 3× milesEligible purchases charged directly with hotels worldwide, excluding timeshares, banquets, and events
  • 2× milesEligible purchases charged at restaurants worldwide
  • 2× milesEligible purchases charged at supermarkets located in the United States; superstores and warehouse clubs are not considered supermarkets
  • 1× milesEverything else

Rates and fees

Rates and fees for the Delta SkyMiles® Platinum American Express Card, each with its source
Annual fee
Purchase APRPrime + 12.74% to Prime + 21.74%
Cash advance APRPrime + 21.99%
Cash advance fee
Penalty APRPrime + 26.74%
Late payment
Returned payment
Foreign transactions
Grace period

Carrying a balance? See how long it takes to pay off at 28.74% APR

Benefits

  • Rideshare Credit: $10 monthly
  • Resy Credit: $10 monthly
  • Delta Stays Credit: $150 annual
  • Global Entry application fee credit: $120 every 4 years
  • TSA PreCheck application fee credit: $85 every 4 years
  • First checked bag free on Delta flights worldwide; second checked bag free on domestic Delta flights.
  • Either a $120 statement credit for a Global Entry application fee or up to an $85 statement credit for a TSA PreCheck application fee every 4 years.
  • Hertz Five Star Status; enrollment in the Hertz Gold+ program and additional enrollment steps are required.
  • Annual Companion Certificate for a Delta Main domestic, Caribbean, or Central American round-trip flight after renewal; it may also be redeemed toward the eligible flight portion of a Delta Vacations package. Government-imposed taxes and fees of $22 to $250 apply for itineraries with up to four flight segments.
  • $2,500 Medallion Qualification Dollars each Medallion Qualification Year through MQD Headstart.
  • Earn $1 Medallion Qualification Dollar for each $20 of purchases through MQD Boost.
  • 15% off Award Travel booked with miles on Delta flights through delta.com and the Fly Delta app; not applicable to partner-operated flights or taxes and fees.
  • Zone 5 Priority Boarding on Delta flights.
  • Eligible Card Members are added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members and Reserve Card Members.
  • 20% back in the form of a statement credit on eligible Delta in-flight purchases of food and beverages.
  • Global Assist Hotline is available 24/7 when traveling more than 100 miles from home for emergency assistance and coordination services; third-party costs are the Card Member's responsibility.
  • Amex Presale Tickets and Amex Reserved Tickets access to select events, subject to availability.
  • American Express Venue Collection benefits at select stadiums and arenas, including dedicated entrances or fast lanes; enrolled Cards can receive 10% back on qualifying concessions purchases up to $250 per calendar year.
  • Pay With Miles permits up to $50 off a Delta flight for each 5,000 miles redeemed when booking on delta.com.
  • No foreign transaction fees.
  • Trip delay: Up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period
  • Rental car
  • Baggage: Up to $1,250 for carry-on baggage and up to $500 for checked baggage; for New York State residents, a $10,000 aggregate maximum limit applies for all covered persons per covered trip.
  • Purchase protection: Up to $1,000 per covered purchase, up to $50,000 per calendar year
  • Extended warranty: Up to one extra year
  • Cell phone: Up to $800 per claim, with a limit of 2 approved claims per 12-month period

Questions

What is the annual fee?
$350 Filed with the CFPB · PDF, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. Filed with the CFPB · PDF, since Sep 29, 2026
What is the purchase APR?
19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Is there a welcome bonus?
100,000 Delta SkyMiles miles after $3,000 in purchases in 3 months. americanexpress.com, since Sep 29, 2026

Other miles cards with fees over $300

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).