Delta SkyMiles Platinum
American Express$350 a yearNo foreign transaction feeIssuer's page
Already have it? Keep it.
Welcome bonus
Up to90,000miles+ $300
after $4,000 in purchases in the first 6 months
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
At the advertised maximum.
| First-year value | Amount |
|---|---|
| Welcome bonus (up to)90,000 points at 1.1¢ + $300 cash | $1,290 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$32 |
| Credits you'll likely useof $300 face value | +$191 |
| Annual fee | −$350 |
| Meeting the $4,000 minimumearns 1.1% here vs 2% on Double Cash | −$36 |
| First year at the advertised maximum | $1,127 |
| Each year after | +$305 |
Not counted in the first year: anniversary certificates, other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | US Supermarkets | 2.2% |
| 2X | Dining | 2.2% |
| 3X | Hotels booked directly with hotels | 3.3% |
| 3X | Delta purchases | 3.3% |
| 1X | Everything else | 1.1% |
Noteworthy perks
- Delta SkyMiles companion certificateArrives when you renew, after the first year
- Delta Stays$150 a year
- Rideshare$120 a year
- first checked bag free for cardholder and up to 8 companions on the same reservation
Personal card · Earns Delta SkyMiles
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (4)
- Rideshare: $10 (Monthly)
Up to $10 per month in statement credits for US purchases with select rideshare service providers. Enrollment required.
- Resy: $10 (Monthly)
Statement credits for eligible purchases at US Resy restaurants. Enrollment required
- Delta Stays: $150 (Annual Cardmember Year)
Statement credit for prepaid hotels or vacation rentals through Delta Stays per year
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Elite status (1)
- Delta SkyMiles: Annual $2.5K MQD headstart. Also earn $1 MQD for each $20 in purchases on the card.
Protections (6)
- Baggage Insurance, up to $1,250, Coverage for carry-on baggage up to $1,250 and checked baggage up to $500 per covered person, in excess of common carrier coverage
- Trip Delay Insurance, up to $300, Up to $300 per covered trip for delays of 12+ hours. Up to 2 claims per card per 12 consecutive months.
- Purchase Protection, up to $1,000, 90 days coverage for theft/damage, up to $1,000 per occurrence, $50,000 per year
- Extended Warranty, up to $10,000, Extends manufacturer warranty by up to 1 additional year on warranties of 5 years or less, up to $10,000 per item, $50,000 per calendar year
- Car Rental Insurance (secondary), up to $50,000, Secondary coverage up to $50,000 for rental car damage/theft
- Cell Phone Protection, up to $800, Up to $800 per claim for cell phone damage/theft when bill is paid with card. 2 claims per 12-month period, $50 deductible. Excludes cosmetic damage.
Other Perks
- 15% off award flights booked with miles
- Annual companion certificate for domestic, Mexico, Caribbean, or Central American Main Cabin round-trip flights
- Zone 5 priority boarding
- First checked bag free for cardholder and up to 8 companions on the same reservation
- Complimentary upgrades when available (after Medallion and Reserve members)
- 20% back on in-flight purchases as statement credit
The Delta SkyMiles Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from Apply and find out your welcome offer: As high as 90K bonus miles + earn a $300 statement credit after you spend $4k in eligible purchases on your new card within the first 6 months of card membership. You may not be eligible for the maximum welcome offer amount. Terms apply. Rates & Fees(Offer Expires 11/4/2026) to Apply and find out your welcome offer: As high as 90K bonus miles + earn a $300 statement credit after you spend $4k in eligible purchases on your new card within the first 6 months of card membership. You may not be eligible for the maximum welcome offer amount. Terms apply. (Offer Expires 11/4/2026)Oct 11, 2026
- changed from null to Delta PlatinumOct 8, 2026
- changed from null to creditSep 2, 2026
- changed from You may be eligible for as high as 90K Bonus Miles after you spend $3K in eligible purchases on your new Card in your first 6 months of Card Membership. Terms apply. Rates & Fees to Apply and find out your welcome offer: As high as 90K bonus miles + earn a $300 statement credit after you spend $4k in eligible purchases on your new card within the first 6 months of card membership. You may not be eligible for the maximum welcome offer amount. Terms apply. Rates & Fees(Offer Expires 11/4/2026)Aug 27, 2026
- changed from 3000 to 4000Aug 27, 2026
- changed from null to 2026-11-04Aug 27, 2026
- changed from null to 3000Aug 13, 2026
- changed from null to 180Aug 13, 2026