1. Credit Cards
  2. Insights
  3. Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card


Image of the Delta SkyMiles Platinum American Express CardImage: Image of the Delta SkyMiles Platinum American Express Card

27 reviews from Intuit Credit Karma members


Rating: 4.5 out of 5.
hands-thumbs-upImage: hands-thumbs-up

Great for flying with friends or family

cashImage: cash

Annual fee: $250

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated: November 1, 2023

low-utilizationImage: low-utilization


Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

meetupImage: meetup

43 years

Average age of members who matched this card or similar cards.

cash-give-1Image: cash-give-1


Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Card highlights

yesImage: yes

Annual companion certificate could justify card membership on its own

yesImage: yes

Free checked bag for airport savings

yesImage: yes

In-flight discounts for food and drinks

Delta SkyMiles® Platinum American Express Card review: One terrific benefit, but other perks vary

Updated November 7, 2023

This date may not reflect recent changes in individual terms.

Written by: Tim Devaney



5 things to know about the Delta SkyMiles® Platinum American Express Card

Benefits outweigh the annual fee

Total Benefit Value: $951

Ease of Use: Moderate

The Delta SkyMiles® Platinum American Express Card has an estimated Total Benefit Value of $951 as of May 2022, based on Credit Karma’s calculation.

The Total Benefit Value measures how much a premium rewards card could be worth if you use each benefit once. We found the Delta SkyMiles® Platinum American Express Card pays for itself with an extremely valuable companion certificate and other airline perks that are worth nearly four times as much as the $250 annual fee.

The companion certificate could cover the annual fee by itself

The Delta SkyMiles® Platinum American Express Card comes with a hefty $250 annual fee, which might scare off some travelers.

But we think it’s likely to be worth every penny for Delta loyalists who tend not to travel alone.

That’s because cardholders receive a companion certificate each year after their account anniversary. This benefit allows you to bring a friend or family member along on roundtrip main cabin tickets on domestic flights once a year for no more than $80 in taxes and fees.

The value you get from the companion certificate depends on the cost of the flight, but it’s certainly possible to find a ticket that costs more than $330 to make this perk worthwhile. That expense is the most you’d pay for the annual fee, plus the taxes and fees on your companion’s flight.

Just keep in mind that the annual companion certificate doesn’t kick in until after your account anniversary, so you won’t be able to use one during your first year with the card.

A good welcome bonus

The Delta SkyMiles® Platinum American Express Card offers a current welcome bonus of 50,000 bonus miles after spending $3,000 on purchases in your first 6 months of opening the account.

Beyond the welcome bonus, you’ll earn ...

Those earning rates are better than what you get from some other airline-specific cards, but don’t compare favorably to what you’ll get from several popular travel cards with more flexibility.

A mixed bag of airline perks

The Delta SkyMiles® Platinum American Express Card offers cardholders a few perks on Delta flights.

But it’s also missing some other travel benefits you might hope for as a Delta loyalist.

These benefits might offer clear value to you, but it’s important to remember that perks are only worth something if you use them. Consider whether you stand to save from checking bags, or if you’d rather go for another card with complimentary lounge membership.

Earning Delta Medallion Status could be a challenge

A shortcut to elite status can be an enticing feature of an airline credit card. But the Delta SkyMiles® Platinum American Express Card doesn’t do much to help you earn Delta’s coveted Medallion Status, which comes with complimentary access to Delta SkyTeam® lounges and seat upgrades.

For one thing, Delta’s process for earning elite status is complicated. You have to keep track of Medallion Qualification Dollars (MQDs), Medallion Qualification Miles (MQMs) and Medallion Qualification Segments (MQSs) — and remember what their acronyms stand for.

Just to earn Silver status, the lowest Medallion level, you need to fulfill both of these requirements.

  1. Earn $3,000 MQDs (roughly equivalent to spending $3,000 on Delta airfare, without including the cost of the taxes and fees) or make at least $25,000 in eligible purchases on your card in the calendar year.
  2. And earn either 25,000 MQMs or 30 MQSs in a calendar year. These qualifications can usually only be earned by flying, and you’ll have to travel a lot to reach those thresholds.  

And since most of these requirements reset each calendar year, it will be even more difficult to qualify for Medallion Status in your first year of card membership if you don’t time your application well.

Is the Delta SkyMiles® Platinum American Express Card worth it?

The Delta SkyMiles® Platinum American Express Card certainly isn’t a perfect travel card. Many of the airline and status perks don’t stand out, especially given the $250 annual fee.

But if you fly with Delta Air Lines on a regular basis and travel with family and friends, you might be justified in carrying the card just because of the annual companion certificate. That benefit alone could be worth hundreds of dollars every year.

On the other hand, you might want to look into other travel cards that offer numerous benefits. While the value of the companion certificate is clear and relatively easy to earn, you may find that other cards offer a mix of potential savings and flexibility that better suits your needs.

Member reviews

Updated: November 8, 2023

Overall rating:


Rating: 4.5 out of 5.

27 reviews from Intuit Credit Karma members

Most helpful positive review

May 10, 2022

Rating: 5 out of 5.

Probably the best Delta SkyMiles Card

Credit Karma Member

I recently applied for this card to hit the 90,000 SkyMiles bonus you can receive through a referral. Just like the Gold card you earn 2x on Dining and at Supermarkets, but you also get 3x with purchases directly through delta and you get a status boost if you can charge $25k on the card in a year. You also get an annual companion pass where someone special can fly with you once a year in coach for free. So my wife won’t be paying for a plane ticket from now on.

Most helpful negative review

August 30, 2018

Rating: 3 out of 5.

Ok if you only fly with Delta often and

Credit Karma Member

2x the miles on all purchases on Delta's website, including flight insurance and hotel stays. You also get a companion pass after year one and a free first checked bag for every Delta flight. Then this card becomes extremely boring. 1x on everything else. Not good if you don't fly Delta at least 4 times a year with family or coworkers.

All member reviews

*Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the card shown, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.