American Express

Delta SkyMiles® Platinum American Express

American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.

Delta SkyMiles® Platinum American Express3.6%
Travel at 3.6%$350 annual feeWelcome bonus
Top 99% for Travel
Highest earn rate in Travel at 3.6% effective value

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..

Top category
Travel
Effective value
3.6%
Annual fee
$350
Delta SkyMiles® Platinum American Express card art

Best for travel-heavy spend when the $350 fee fits your usage; confirm issuer terms before applying. 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.

Madeen analysis

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 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Delta SkyMiles Platinum American Express compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.

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 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Delta SkyMiles Platinum American Express compares across dining, grocery, gas, travel, and other spend.

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.

Reward rules

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.

  • Earn 2X miles at restaurants
  • Earn 2X miles at U.S. supermarkets
  • Earn 3X miles on purchases made directly with hotels
Madeen take

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
Welcome bonus

What is the Delta SkyMiles Platinum American Express welcome bonus?

In Madeen's catalog snapshot, the Delta SkyMiles Platinum American Express welcome offer is 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 — confirm on the issuer application page before applying.

Offer
90k Delta SkyMiles (~$1080 estimated)
Terms (catalog 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
$3,000
Window
6Months
Fees

Does the Delta SkyMiles Platinum American Express have an annual fee?

The Delta SkyMiles Platinum American Express has an annual fee of $350 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.

Annual fee
$350
Foreign transaction fee
None
Travel perks

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 credit

    Fee 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 bag

    First Checked Bag Free You can check your first bag for free and save up to $70 per person on a round-trip Delta flight.

Benefits

What benefits come with the Delta SkyMiles Platinum American Express?

Madeen estimated annual value~$25,945
17 of 19 benefits valued
  • Extended Warranty

    $10,000/yr

    What if the color fades on your new flat-screen TV? Or your food processor starts rattling instead of slicing and dicing? Chances are it will happen right after the Manufacturer's Warranty runs out. Fortunately, when you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories.

    How we value this

    Statement credit face value from issuer terms — $10000 face value (annualized from issuer terms).

  • Purchase Protection

    $10,000/yr

    Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits.

    How we value this

    Statement credit face value from issuer terms — $10000 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • MQD Headstart and MQD Boost

    $2,500/yr

    Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year. Plus, Get $1 Medallion® Qualification Dollar for each $20 in purchases on your Card in a calendar year, getting you closer to the Medallion Status for next Medallion Year quicker.

    How we value this

    Statement credit face value from issuer terms — $2500 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • Baggage Insurance Plan

    $2,000/yr

    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.

    How we value this

    Statement credit face value from issuer terms — $2000 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • Trip Delay Insurance

    $500/yr

    If a round-trip is paid for entirely with your eligible Card on or after January 1, 2020, and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply.

    How we value this

    Statement credit face value from issuer terms — $500 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • First checked bag free

    $280/yr

    As a benefit of Card Membership, you can check your first bag free on Delta flights booked with your Card. You can save up to $60 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $240 per round-trip flight.

    How we value this

    Statement credit face value from issuer terms — $280 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • $150 Delta Stays Credit

    $150/yr

    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.

    How we value this

    Statement credit face value from issuer terms — $150 face value (annualized from issuer terms).

  • $120 Resy Credit

    $120/yr

    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.

    How we value this

    Statement credit face value from issuer terms — $10/month × 12 = $120/yr.

  • $120 Rideshare Credit

    $120/yr

    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.

    How we value this

    Statement credit face value from issuer terms — $10/month × 12 = $120/yr.

  • Fee Credit for Global Entry or TSA PreCheck

    $85/yr

    Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.

    How we value this

    Statement credit face value from issuer terms — $85 face value (annualized from issuer terms).

  • Car Rental Loss and Damage Insurance

    $40/yr

    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.

    How we value this

    Expected value of primary rental car coverage vs buying CDW at counter.

  • 20% Back on In-Flight Purchases

    $25/yr

    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.

    How we value this

    Conservative expected value for insurance/protection benefits based on typical claim likelihood.

Spend bonuses

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

Where do cardholders spend most with the Delta SkyMiles Platinum American Express?

Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on lodging (3x), coffee (2x), fast food (2x) for the Delta SkyMiles Platinum American Express. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.

Is the Delta SkyMiles Platinum Amex card worth it?

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..

How much money is $30,000 Delta SkyMiles worth?

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.

Does Delta SkyMiles Platinum American Express Card?

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.

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.

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.

Compare

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.

CardTop categoryEffective valueAnnual fee
Delta SkyMiles Platinum American Express
This card
Travel3.6%$350
Travel3.6%$350
Travel3%$695
Travel3%$695
American Express
Travel3%$895
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Data source Madeen catalog analysis

American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.

Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure

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