Delta SkyMiles Platinum American Express Card
American Express' Delta Premium Travel Card
Annual Fee
$350
Earning Rate
3x Delta flights • 3x hotels • 2x dining • 2x groceries • 1x everything else
Welcome Bonus
90,000 miles + $300 statement credit after $4,000 spend in 6 months (offer ends 11/4/2026)
Card Material
Metal or 70% reclaimed plastic card with matte finish
Practical Recommendation
If you actually fly Delta, this card makes sense: the annual Main Cabin companion certificate, $120 rideshare, $120 Resy, and the $150 Delta Stays credit can more than cancel out the $350 annual fee. Add 15% off Delta award tickets, two free checked bags (the second one landed in June 2026, domestic only), and it's easy value for regular Delta trips. The companion certificate also now works on the flight portion of a Delta Vacations package.
If you want airport lounges, look elsewhere—this one still doesn't get you in. And the $2,500 MQD Headstart is a nudge toward Medallion status, not a shortcut. Bottom line: fly Delta a few times a year and use the credits? Keep it. Hate tracking monthly credits or never fly Delta? Pass.
Credits
Practical Advice
This is what makes or breaks a card for you. If you can use these credits in your normal spend, the perks and protections are all bonus for you. We have a calculator at the bottom of this section to help you calculate that. Below we break down exactly what every credit is to show you if it's easy or if they're going to make you jump through 17 hoops to redeem it.
- $120 Rideshare Credit – Up to $10 per month in statement credits on U.S. rideshare purchases with select providers (Uber, Lyft, Curb, Revel, Alto). Enrollment required; posts after eligible charge; unused value does not roll over. Good if you take at least one ride monthly; worth $0 if you forget.
- $120 Resy Dining Credit – Up to $10 per month back at U.S. restaurants booked or paid via Resy with your enrolled card. Credits appear after the charge posts; unused amounts do not roll. Great if you dine out monthly; zero value if you never use Resy.
- $150 Delta Stays Credit – Up to $150 per calendar year on prepaid hotels or vacation rentals booked through Delta Stays on delta.com and paid with this card. Prices can differ from booking direct; no points boost for portal bookings. Best for simple, prepaid stays you'd book anyway.
- $200 Delta Flight Credit (after spend) – Earn a $200 Delta flight credit after $10,000 in purchases in a calendar year; applied toward future Delta travel. Not automatic value—you must hit the spend, then remember to use it before it expires.
- Global Entry / TSA PreCheck® Credit – Statement credit for one application fee: up to $120 for Global Entry (every 4 years) or up to $85 for TSA PreCheck® (every 4.5 years) when you pay with this card. Easiest win if you have not enrolled yet.
- In-flight Savings (20%) – Get 20% back as a statement credit on eligible Delta in-flight purchases (food, drinks, headsets) when you pay with this card. Handy for a snack; tiny but automatic.
Click Here to Calculate Your Annual Fee
Credit
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Your Value
Practical Tip
You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.
Rideshare Credit
| What It Is: | $10 per month ($120 per year) in statement credits on eligible U.S. rideshare purchases. |
| How It Works: | Enroll, then pay Uber, Lyft, Curb, Revel, or Alto with this card; credit posts after the charge. No rollover. |
| Gotchas: | Must be those providers; monthly use-it-or-lose-it; coding issues can happen with gift balances (Uber Cash). |
| Who Actually Benefits: | Anyone taking at least one monthly rideshare or taxi via eligible apps. |
| Practical Value: | Easy $120 if you ride monthly; $0 if you forget. |
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Resy Dining Credit
| What It Is: | $10 per month ($120 per year) back on eligible U.S. Resy restaurant purchases. |
| How It Works: | Enroll, make a Resy reservation or pay at a participating Resy venue with this card; credit posts after the charge. |
| Gotchas: | Must transact through Resy; no rollover; cancellations/no-shows may not trigger credits. |
| Who Actually Benefits: | Diners who already book with Resy or can switch easily. |
| Practical Value: | Reliable $120 if you dine out monthly; $0 if not a Resy user. |
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Delta Stays Credit
| What It Is: | Up to $150 per calendar year on prepaid hotels or vacation rentals booked via Delta Stays on delta.com. |
| How It Works: | Book an eligible prepaid stay through Delta Stays and pay with this card; statement credits post after the charge. |
| Gotchas: | Portal-only, prepaid required; inventory/prices can differ from booking direct; typical elite benefits/points may not apply. |
| Who Actually Benefits: | Travelers who can find competitive prepaid rates in the portal. |
| Practical Value: | Useful if the portal price matches your plans; otherwise, do the math. |
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Delta Flight Credit (after spend)
| What It Is: | $200 Delta flight credit after $10,000 calendar-year purchases on this card. |
| How It Works: | Hit $10,000 in card spend; the credit is issued to your SkyMiles account and applied toward future Delta travel. |
| Gotchas: | Not automatic value—you must reach the spend threshold and redeem before expiration; not usable on partner airlines. |
| Who Actually Benefits: | Cardholders who naturally spend $10k on the card and fly Delta at least once afterward. |
| Practical Value: | Good rebate if you already meet the spend; not worth chasing on its own. |
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Global Entry / TSA PreCheck® Credit
| What It Is: | One application fee credit: up to $120 for Global Entry (every 4 years) or up to $85 for TSA PreCheck® (every 4.5 years). |
| How It Works: | Pay the fee with this card; a statement credit posts automatically. |
| Gotchas: | Timing windows apply; only covers the fee, not interview travel; benefits subject to government processing. |
| Who Actually Benefits: | Anyone who flies a few times a year and wants shorter security/customs lines. |
| Practical Value: | A simple, near-certain $85–$120 value, or about $30 a year spread across the window. |
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Annual Fee:
$350
Your Credits:
$0
YOUR Annual Fee:
$350
This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.
Perks
- Earning rates (in plain English) – 3x on Delta purchases (airfare, seat fees, upgrades), 3x on hotels booked direct, 2x at restaurants worldwide and U.S. supermarkets; 1x everywhere else. Easy to remember, best for Delta flyers and hotel stays you pay direct.
- TakeOff 15 (award discount) – Save 15% in miles on Delta-operated award flights booked at delta.com or the app; not valid on partner flights or taxes/fees. Solid savings if you redeem miles often.
- Annual Companion Certificate (Main Cabin) – Each year after renewal, get a round-trip companion ticket for select continental U.S., Puerto Rico, USVI, Mexico, Caribbean, and Central America destinations. Alaska and Hawaii are not eligible. Companion pays taxes/fees—up to $80 domestic, up to $250 international. As of June 2026 it can also be applied to the flight portion of a Delta Vacations package. Great for couples or families; advance-purchase and minimum-stay rules apply, and it must be flown before it expires.
- Checked Bags – First bag free for you and up to 8 companions on the same reservation. Since June 2026 there's also a free second bag on domestic Delta-operated flights—but that one is primary Cardmember only, so your travel party does not get it unless they carry their own eligible Delta card.
- MQD Headstart and Boost – $2,500 Medallion Qualification Dollars credited at the start of each qualification year, plus 1 MQD per $20 spent on the card. It shortens the runway to Medallion status without extra flying, but on its own it will not get you there.
- Priority Boarding (Zone 5) – Board earlier to find overhead space; applies to you and companions on the same reservation with eligible tickets.
- Pay With Miles – Use miles at checkout on Delta tickets to reduce the cash price in fixed chunks; simple but often less value than award bookings.
- Upgrade List Eligibility – With an eligible ticket, you can appear on the complimentary upgrade list after Medallion members and Reserve cardholders. Nice perk, just do not expect miracles.
- Hertz Five Star Status – Faster car rental upgrades and shorter lines at Hertz after enrollment; good if you rent a few times a year.
Protections
- Trip Delay Insurance – Reimburses reasonable expenses up to $300 per trip (max 2 claims per 12 months) when a round-trip paid with the card is delayed 12+ hours for a covered reason. Helpful for hotels/meals during long delays.
- Baggage Insurance – Up to $1,250 for carry-on and $500 for checked baggage (excess of carrier coverage) on eligible round-trip tickets paid with the card.
- Rental Car Loss & Damage (secondary) – Up to $50,000 for theft/damage when you decline the agency's collision damage waiver and pay with the card; no liability coverage. Consider Amex's optional primary coverage if you want to avoid your auto insurance.
- Purchase Protection – Covers theft or accidental damage on eligible purchases up to $1,000 per item, $50,000 per year, within 90 days. Handy for new gadgets and gear.
- Extended Warranty – Adds up to one extra year on eligible U.S. manufacturer warranties of 5 years or less; max $10,000 per claim, $50,000 per account per year. Good backup for appliances and electronics.
- Cell Phone Protection – Pay your monthly wireless bill with the card to get up to $800 per claim (2 claims per 12 months; $50 deductible) for theft or damage (cracked screens included).
- No Foreign Transaction Fees – Use the card abroad without extra issuer fees; network and merchant acceptance still apply.