Delta SkyMiles® Platinum Credit Card from American Express

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Card Details and Application Link
Delta SkyMiles® Platinum Credit Card from American Express
90K miles + $200 statement credit
90K miles after $5K in purchases in the first 3 months + $200 statement credit after first Delta purchase in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 7/28/2021)

Click Here to Apply

$250 Annual Fee

Recent better offer: 90K miles after $3K in purchases in the first 3 months + up to $200 in statement credits for purchases at select US home furnishings stores in first 3 months. [Expired 5/5/21]

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Card Type: Amex Credit Card

Base
Travel
Dine
Grocery
Brand

Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets

Big spend bonus: 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 per year ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K
spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply.

Noteworthy perks: Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free on Delta flights ⚬ Terms and Limitations Apply. (Rates & Fees)

Let’s take a deep dive into the Delta Platinum card. Here’s everything you need to know…

Application Tips

Should you apply?

Many cards are worth getting for the welcome bonus alone. In this case though, if that’s your only interest, you may prefer to sign up for the Delta Gold card since it has a lower annual fee:

Card Offer
Delta SkyMiles® Gold Business Credit Card from American Express
75K Miles + $200 statement credit
75K milesafter $2K spend in the first 3 months + $200 statement credit after first Delta purchase in first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 8/25/2021)

No Annual Fee First Year, Then $99

Delta SkyMiles® Gold Credit Card from American Express
70K miles + $200 statement credit
70K miles after $2K spend in the first 3 months + $200 statement credit after first Delta purchase in first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 7/28/2021)

No Annual Fee First Year, Then $99

If you’re a regular Delta flyer and you value the Delta Platinum card’s annual companion ticket and/or the ability to earn MQMs through spend, then the Platinum card probably makes sense to you.  On the other hand, you might do even better with an ultra-premium Delta Reserve card.  See: Delta Reserve complete guide.

Card Offer
Delta SkyMiles® Reserve for Business Credit Card
85K miles + 20K MQMs + $200 statement credit
85K miles + 20K MQMs after $6K spend in the first 3 months + $200 statement credit after first Delta purchase in first 3 months. Terms and limitations apply. (Rates & Fees)
(Offer Expires 8/25/2021)

$550 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 80K miles + 20K MQMs + $200 statement credit after $5K spend in the first 3 months. Terms and limitations apply. [Expired 5/5/21]

Delta SkyMiles® Reserve Credit Card from American Express
80K miles + 20K MQMs + $200 statement credit
80K miles + 20K MQMs after $5K spend in the first 3 months + $200 statement credit for first Delta purchase in first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 7/28/2021)

$550 Annual Fee

Recent better offer: 80K miles + 20K MQMs after $5K spend in the first 3 months + up to $200 statement credit for purchases at select US furnishings stores in first 3 months. [Expired 5/5/21]

Are you eligible?

In most cases with Amex, if you’ve had the same card before, you can’t get a welcome bonus when signing up. Consider, though, that each variation of Delta card is considered a different product. Over time, it’s possible for you to earn the welcome bonus on all of the following cards since each one is a separate product:

Card Offer Mini

Here are additional Amex application tips:


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to meet minimum spend requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Perks

Delta Platinum cards include a few decent perks:

Travel Perks


  • Domestic economy class companion certificate (subject to taxes & fees) each year upon card renewal. See: Delta companion certificates quick guide.
  • $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck)
  • Priority boarding
  • First checked bag free.
  • 20% Back on In-Flight Purchases

Elite Status Boosts

With the Delta Platinum card, you'll earn 10,000 MQMs (Medallion Qualifying Dollars) and a MQD Waiver when you spend $25,000 within a calendar year.  And you'll earn another 10,000 MQMs when you spend $50,000 within a calendar year.  These features are awesome for those who highly value Delta elite status and can use the extra help that this card offers.  Note that the ultra-premium Delta Reserve cards offer even more MQMs through spend: 15,000 MQMs for each $30,000 spent within a calendar year (capped at $120K spend).  Year 2021 Only: Status Boosts earn 25% more MQMs.
Amex shows your progress towards these status boosts when you log into the American Express website to view your account:

Travel Protection

  • Trip Delay Insurance: Coverage kicks in after a 12 hour delay. Details here.
  • Baggage Insurance: Up to $500 per person for checked luggage, and up to $1,250 per person for carry-ons. Must pay transportation in full with your card to be covered. Details here.
  • Car Rental Loss and Damage Insurance: Secondary car rental insurance. Must pay for rental in-full with card. Details here.

Purchase Protection

  • Extended warranty: Up to 1 extra year.
  • Purchase protection: Covers damage, loss, or theft up to 90 days after purchase. Details here.

Cell Phone Protection

  • Coverage includes phones that are stolen or damaged.
  • Cracked screens are covered.
  • Max $800 per claim or $1,600 per 12 month period.
  • A $50 deductible applies to each claim.
  • “You must charge your monthly Eligible Cellular Wireless Telephone bill to your Eligible Card Account.”  (interestingly, the terms do not say that you must pay in full each month, but maybe that’s implied?)
  • Policy details can be found here.

Earn Miles

There are few ways to earn Delta SkyMiles with this card:

Welcome Bonus

Obviously, if eligible, you can earn miles by successfully signing up for this card and meeting the minimum spend requirements:

Card Offer
Delta SkyMiles® Platinum Credit Card from American Express
90K miles + $200 statement credit
90K miles after $5K in purchases in the first 3 months + $200 statement credit after first Delta purchase in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 7/28/2021)

$250 Annual Fee

Recent better offer: 90K miles after $3K in purchases in the first 3 months + up to $200 in statement credits for purchases at select US home furnishings stores in first 3 months. [Expired 5/5/21]

Refer Friends


The refer-a-friend offer shown above for the Delta Platinum card was in effect when this post was first written. Offers can and do change over time. Consider this only an example of the type of offer you may find.
By logging into your American Express account, you should be able to find an offer to earn miles when referring friends. It's often the case, but not always, that your friends can get bigger bonuses through your referral link than through a public offer.
Note that your friends can use your referral link to sign up for any Delta card. They are not limited to the one that you have. For example, a friend can use your Delta Gold or Delta Platinum friend-link to sign up for the Delta Reserve card.  Similarly, a Delta Reserve referral link can be used to sign up for the Delta Gold or Delta Platinum card.  Regardless of which Delta card they sign up for, you will earn a referral bonus if they are approved.

Bonus Spend

The ability to earn 2X at US Supermarkets with the consumer version of the card is a great option for those who highly value both Delta SkyMiles and the ability to earn MQMs through high spend.

Card Info Name and Earning Rate (no offer)
Delta SkyMiles® Platinum Credit Card from American Express
Base
Travel
Dine
Grocery
Brand
Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets

Redeem Miles

You don’t need a Delta credit card to redeem Delta miles for award flights, but there is one feature that requires having a Delta credit card: Pay with miles…

Pay with Miles


Delta's "Pay with Miles" feature is limited to primary cardholders of any Delta card (Blue, Gold, Platinum, or Reserve). This feature lets you pay for cash tickets in part or in full with Delta SkyMiles at a value of 1 cent per mile. You must pay in increments of 5,000 miles. Every 5,000 miles you apply decreases the ticket cost by $50. In other words, each mile is worth exactly 1 penny with this feature.
No miles earned: Flights that are paid for in this way earn full MQMs (Medallion Qualifying Dollars) and MQSs (Medallion Qualifying Segments). However, only the portion paid in cash earns redeemable SkyMiles and MQDs (Medallion Qualifying Dollars). The latter two issues reduce the value of the Pay with Miles feature.
Tip: Unless the full ticket amount is an exact multiple of $50, I recommend stopping short of paying the whole fare with miles since you'll get lower value from the last 5,000 miles. For example, if you want to use this feature and your ticket costs $228, I recommend paying 20,000 miles to decrease the cash cost to $28. Otherwise you would have to pay another 5,000 miles for that last $28 (which is a poor value).

Keep, cancel, or product change?

If you regularly make good use of the card’s annual companion certificate, then the card basically pays for itself with that feature alone.  And for those who seek Delta elite status, the ability to earn MQMs through spend is great.  If neither of these apply to you, then you’re probably better off cancelling or downgrading to the lower fee Gold card or the no-fee Blue card.

One way to decide is to use our spreadsheet to compare similar cards. See: Which Ultra Premium Cards are Keepers?

Related Cards

Here’s a full list of Delta branded cards available in the United States:

Card Name w Details & Review (no offer)
Delta SkyMiles® Platinum Business Credit Card from American Express

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Annual Fee: $250

Card Type: Amex Credit Card

Base
Travel
Brand
Other
1.5X
(1.8%)

Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 1.5X on purchases of $5K or more (max 50K extra miles per year)

Big spend bonus: Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion(R) Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs ⚬ Throughout 2021, earn an additional 2,500 MQMs with $25K in purchases up to two times. ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms and limitations apply.

Noteworthy perks: Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free on Delta flights ⚬ Terms and Limitations Apply. (Rates & Fees)

Delta SkyMiles® Platinum Credit Card from American Express

FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate


Annual Fee: $250

Card Type: Amex Credit Card

Base
Travel
Dine
Grocery
Brand

Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets

Big spend bonus: 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 per year ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K
spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply.

Noteworthy perks: Domestic economy companion certificate (subject to taxes & fees) each year upon card renewal ⚬ Priority boarding ⚬ First checked bag free on Delta flights ⚬ Terms and Limitations Apply. (Rates & Fees)

Delta SkyMiles® Reserve for Business Credit Card

FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.


Annual Fee: $550

Card Type: Amex Credit Card

Base
Brand
Other
1.5X
(1.8%)

Earning rate: 3X Delta ⚬ 1.5X on all spend per calendar year after spending $150K

Big spend bonus: Earn 15K MQMs (towards elite status) after $30K spend up to four times per year ⚬ Throughout 2021, earn an additional 3,750 MQMs with $30K in purchases up to 4 times ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ After you spend $150K in a calendar year, earn 1.5X miles per dollar on eligible purchases for the rest of the year (excludes Delta purchases after you meet the $150K requirement) ⚬ Terms and limitations apply.

Noteworthy perks: Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access ⚬ 2 Delta SkyClub one-time guest passes ⚬ Centurion Lounge access when you book your Delta flight with your Reserve card ⚬ Complimentary upgrades ⚬ $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Priority boarding ⚬ First checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

See also: Delta Reserve complete guide

Delta SkyMiles® Reserve Credit Card from American Express

FM Mini Review: Excellent choice for frequent Delta flyers who can make use of SkyClub access and companion certificate. Also a good choice for big spenders seeking Delta elite status.


Annual Fee: $550

Card Type: Amex Credit Card

Base
Brand

Earning rate: 3X Delta

Big spend bonus: Earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year ⚬ Complimentary upgrades ⚬  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Medallion Qualifying Dollar waiver (up to Platinum status) with $25K
spend across one or more Delta cards (or $250K spend for Diamond status) ⚬ Terms apply.

Noteworthy perks: Domestic economy or first class companion certificate (subject to taxes & fees) after card renewal ⚬ SkyClub access ⚬ 2 Delta SkyClub one-time guest passes ⚬ Centurion Lounge access when flying Delta ⚬ Complimentary upgrades ⚬  $100 Global Entry fee credit every 4 years (or 4.5 years for TSA Precheck) ⚬ Priority boarding ⚬ First checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

See also: Delta Reserve complete guide

Delta SkyMiles® Gold Business Credit Card from American Express

FM Mini Review: Priority boarding and first checked bag free make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.


Annual Fee: $99

Card Type: Amex Credit Card

Base
Dine
Brand
Other

Earning rate: 2X Delta ⚬ 2X U.S. purchases for advertising in select media ⚬ 2X U.S. shipping purchases ⚬ 2X restaurants

Big spend bonus: $100 Delta flight credit after $10K in purchases in a calendar year

Noteworthy perks: Priority boarding, and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

Delta SkyMiles® Gold Credit Card from American Express

FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.


Annual Fee: $99

Card Type: Amex Credit Card

Base
Dine
Grocery
Brand

Earning rate: 2X Delta ⚬ 2x restaurants worldwide ⚬ 2x US supermarkets

Big spend bonus: $100 Delta flight credit after $10K in purchases in a calendar year

Noteworthy perks: Priority boarding and first checked bag free on Delta flights. Terms and limitations apply. (Rates & Fees)

Delta SkyMiles® Blue Credit Card from American Express

FM Mini Review: This card offers an OK welcome offer for a no-fee card, but many/most other cards offer better return for spend.


Annual Fee: $0

Card Type: Amex Credit Card

Base
Dine
Brand

Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases

Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees)

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