Delta SkyMiles® Platinum American Express Card
100,000 Delta SkyMiles miles after you spend $3,000 in 3 months. $350 a year.
- Welcome offer
- Issuer's pageamericanexpress.com
“Earn up to 100,000 bonus miles with the new Delta SkyMiles ® Platinum American Express Card that is redefining what travel status means to you.”
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $350”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| 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.
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
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $350” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing 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
- Capital One Venture X BusinessCapital One · $395 a year+$200 a year
- Venture X RewardsCapital One · $395 a year+$145 a year
- United QuestChase · $350 a year−$55 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).