How to maximize the benefits of the Platinum Delta SkyMiles® Credit Card from American Express

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In a Nutshell

The Platinum Delta SkyMiles® Credit Card from American Express comes with a hefty price tag. But, you can recoup the cost of the card easily through benefits like the companion certificate and SkyMiles accumulation.

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Yes, the Platinum Delta SkyMiles® Credit Card from American Express costs a lot of money. But there are tons of secrets for how to get your money back. We’ll show you how.

The Platinum Delta SkyMiles® Credit Card from American Express offers a welcome bonus of 35,000 miles and 5,000 Medallion® Qualification Miles if you spend $1,000 on purchases during the first 3 months after opening the account. Plus, you’ll get a $100 statement credit after making a Delta purchase with your new card in the first three months from account opening.

It’s also one of the best cards available for quickly reaching elite Medallion status on Delta flights.

Still, it comes with a $195 annual fee ($250 if your application is received on or after Jan. 30, 2020) — not chump change by any means.

If you’re willing forgo the elite mileage boosts for a smaller annual fee ($0 intro, $95 after first year), consider the Gold Delta SkyMiles® Credit Card from American Express, the Platinum Delta SkyMiles® Credit Card from American Express’s little brother.

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In this guide, we’ll cover what you need to know to get the most value out of the Platinum Delta SkyMiles® Credit Card from American Express.

We’ll go over how to use the major features, as well as some of the lesser-known features that can still put big bucks back in your pocket.

That way you can make sure the Platinum Delta SkyMiles® Credit Card from American Express will be a boon to your wallet, not burn a hole in it.


1. Use the annual companion certificate
2. Redeem your SkyMiles and Medallion Qualifying Miles
3. Check out the smaller travel benefits
4. Use the free insurance programs


1. Use the annual companion certificate

The easiest way to earn back your annual fee is with the companion certificate, which can be worth several hundred dollars depending on how you redeem it. The certificate is valid for one round-trip Main Cabin companion ticket within the contiguous United States (you pay applicable taxes and fees).

However, the companion certificate can be tricky to redeem as several restrictions apply to its redemption. For example, you can only get seats in certain service classes.

The companion certificate is also currently limited to flights in the contiguous United States (unless you live in a non-contiguous state or territory).

2. Redeem your SkyMiles® and Medallion Qualifying Miles®

Thankfully, your SkyMiles are somewhat easier to redeem for flights than the companion certificate. Simply book your flight from the main Delta page, making sure to select “Show Prices in Miles” within the search window.

MQMs are a whole different ballgame. You can reach Medallion elite status with different amounts of MQMs: silver (25,000 MQMs), gold (50,000 MQMs), platinum (75,000 MQMs), and diamond (125,000 MQMs).

Each level unlocks new treasures, starting with perks such as waived bag fees and complimentary upgrades at the silver level.

If you spend spend $25,000 or more in eligible purchases in any calendar year with the card, you’ll earn 10,000 MQMs. And if you spend $50,000 or more in eligible purchases with the card in that same year, you’ll earn another 10,000 MQMs.

3. Check out the smaller travel benefits

While the Platinum Delta SkyMiles® Credit Card from American Express offers a lot of monetary value if you play your cards right, there are a lot of smaller benefits that can help turn your trip into smooth sailing.

You’ll be among the first in line to board, so you won’t have to battle everyone in a Gladiator-style match for overhead bin space.

The Platinum Delta SkyMiles® Credit Card from American Express also allows you to get your first checked bag free on Delta flights, which is listed as a $30 value per flight.

4. Use the free insurance programs

If there’s anything we’ve learned from Murphy’s law, it’s that something will go wrong. When that happens, the Platinum Delta SkyMiles® Credit Card from American Express benefits have you covered.

If you’re renting a car with your card and decline the optional collision insurance, the Platinum Delta SkyMiles® Credit Card from American Express will cover damage to the car in case of an accident or if it’s stolen. However, it’s important to note that this is secondary coverage which means it will only kick in once your primary auto insurance benefits are exhausted.

If a baggage handler gets a little frisky with your luggage, you can be reimbursed up to $1,250 for a carry-on bag and up to $500 for a checked bag through the baggage insurance plan.

You’re also eligible for return protection with your card. If you want to return something you purchased with your Platinum Delta SkyMiles® Credit Card from American Express but the merchant won’t take it back, American Express may refund the cost for you for up to 90 days from purchase (up to $300 per item, up to $1,000 maximum per year).

And if certain types of card purchases are accidentally broken or stolen within a certain timeframe, you can get a refund through the purchase protection program.


Bottom line

The Platinum Delta SkyMiles® Credit Card from American Express doesn’t have to be a drag on your wallet. When you already have the companion certificate and free checked bags, perks such as priority boarding only sweeten the deal.