Delta SkyMiles® Platinum American Express Card

American Express American Express Platinum Pending

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22

Benefits

3

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: delta-skymiles-platinum

Issuer: American Express

Card Name: Delta SkyMiles® Platinum American Express Card

Card Type: Credit

Network: American Express

Card Tier: Platinum

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:35

Last Scraped: Jan 22, 2026 08:38

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Delta Purchases 3x Miles Eligible purchases made directly with Delta No Cap
Hotels 3x Miles Purchases made directly with hotels No Cap
Everywhere Else 1x Miles All other eligible purchases No Cap
Rewards Summary
PENDING

Reward Type: Delta SkyMiles

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Delta Purchases, 3x Direct Hotel Purchases, 2x U.S. Supermarkets, 2x Restaurants Worldwide

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: Not applicable; miles are specific to Delta SkyMiles program.

Redemption Penalties: Generally none for Delta-operated flights; partner awards may have fees.

Benefits & Protections (Detailed) 22 Total
PENDING
Airline Specific (Delta) 4
First Checked Bag Free
Free first checked bag

First checked bag is free on Delta flights for you and up to eight companions on the same reservation.

Main Cabin 1 Priority Boarding
Priority Boarding

Enjoy Main Cabin 1 Priority Boarding on Delta flights.

Annual Companion Certificate
Domestic Main Cabin round-trip Companion Certificate

Receive a Domestic Main Cabin round-trip Companion Certificate each year upon renewal of your Card. Pay applicable taxes and fees.

In-Flight Savings
20% back

Receive 20% back in the form of a statement credit on eligible in-flight purchases of food, beverages, and audio headsets on Delta flights.

Airline Specific (Delta), Airport Lounge 1
Delta Sky Club Access
$50 per person per visit

You can enter the Delta Sky Club at a reduced rate of $50 per person per visit when flying on a Delta-marketed or Delta-operated flight.

Airline Specific (Delta), Elite Status 1
Earn Medallion Qualification Dollars (MQDs)
$1 MQD for every $20 spent

Earn $1 MQD for every $20 of eligible purchases on your Card.

Dining Credit 1
Resy Credit
Up to $120 annually ($10/month)

Get up to $10 back in statement credits each month after you use your Delta SkyMiles Platinum Card on eligible purchases with Resy. That's up to $120 back annually.

Purchase Protection 3
Purchase Protection
Up to $10,000 per occurrence

When an eligible item you purchased with your Card is accidentally damaged, stolen, or lost within 90 days from the date of purchase, American Express may repair it, replace it, or reimburse you for the purchase price. Coverage is limited to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Extended Warranty
Up to $10,000 per item

May extend the original manufacturer's warranty for up to one additional year on eligible purchases made with your Card. Applies to warranties of five years or less. Coverage is limited to the actual amount charged to your Card for the item, up to a maximum of $10,000 per item, with a maximum of $50,000 per Card Member account per calendar year.

Cell Phone Protection
Up to $800 per claim

Get up to $800 per claim for a damaged or stolen cell phone when you pay your monthly cell phone bill with your eligible Card. A maximum of 2 claims per 12-month period, with a $50 deductible per claim.

Rewards 4
Accelerated Miles on Delta Purchases
3X Miles

Earn 3X Miles on eligible purchases made directly with Delta.

Accelerated Miles on Hotel Purchases
3X Miles

Earn 3X Miles on eligible purchases made directly with hotels.

Accelerated Miles at U.S. Supermarkets
2X Miles

Earn 2X Miles on eligible purchases at U.S. Supermarkets.

Standard Miles on Other Purchases
1X Mile

Earn 1X Mile on all other eligible purchases.

Shopping 1
Amex Offers
Discounts and rewards

Get discounts and rewards on shopping, dining, travel, and more with Amex Offers.

Travel 1
No Foreign Transaction Fees
No fees

No foreign transaction fees when you use your Card on purchases abroad.

Travel Assistance 1
Global Assist Hotline
Emergency coordination services

For medical, legal, and other emergency coordination services when you're traveling more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.

Travel Credit 1
Delta Stays Credit
Up to $120 annually ($10/month)

Get up to $10 back in statement credits each month after you use your Delta SkyMiles Platinum Card for eligible prepaid Delta Stays bookings on delta.com. That's up to $120 back annually.

Travel Credit, Ride-Share 1
Ride-Share Credit
Up to $120 annually ($10/month)

Get up to $10 back in statement credits each month after you use your Delta SkyMiles Platinum Card on eligible purchases with U.S. ride-share services. That's up to $120 back annually.

Travel Insurance 3
Car Rental Loss and Damage Insurance
Secondary coverage

Secondary coverage for theft or damage to a rental vehicle when you use your eligible Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental car counter.

Trip Delay Insurance
Up to $300 per trip

If a covered trip is delayed for more than 6 hours, you may be covered for up to $300 per trip, for a maximum of 2 claims per eligible Card per 12 consecutive month period.

Baggage Insurance Plan
Up to $1,250 for checked, $1,650 for carry-on

Coverage for lost, damaged, or stolen baggage when you purchase your entire fare for a Common Carrier ticket on your eligible Card. Up to $1,250 for checked baggage and up to $1,650 for carry-on baggage.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $85

Sign-Up Bonus
PENDING

90,000

Points/Miles

Requirement: Spend $5,000 in 180 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours

Expires: Apr 30, 2026

Fee Structure
PENDING
Annual Fee: $350.00
Year 1 Waived: No
Effective Annual Fee: $130.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
APPROVED
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Installment Plan (Plan It)

Promo Duration: 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
690 - 850
Very Good
Supported
Application Process
Available
Available
Experian
Issuer Rules & Policies
PENDING

Rules: Based on current American Express practices and projected trends for 2026: Applicants must be 18 years or older with a good to excellent credit score. One welcome bonus per card product per lifetime is allowed. A maximum of 2 credit card applications are permitted within a 90-day period. Eligibility for the welcome bonus may be impacted by the Amex 'pop-up' message, which indicates prior cardholding or bonus receipt for the specific product.

Max Cards Per Issuer: 5

Min Spend Interval: 6 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Amex cards, rapid spending on new cards, unusual spending patterns, not paying bills on time, cycling credit, abusing return policies, applying for excessive credit too quickly, or a history of gaming welcome offers.

Cliff Effect Rules: The 'once per lifetime' rule applies strictly to the specific Delta SkyMiles Platinum product. Having other Delta co-branded cards (e.g., Gold, Reserve) does not typically preclude eligibility for the Platinum bonus, provided the Platinum product itself has not been held before. American Express may also deny a welcome bonus via a 'pop-up' message if it determines the applicant has a history of gaming the system or has received a bonus on a similar product within a certain timeframe, even if not explicitly stated as a 'family rule'.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
Excellent travel benefits for Delta flyers including free checked bags, priority boarding, and a valuable companion certificate. Strong SkyMiles earning on Delta purchases, dining, and groceries.

Top Negative:
High annual fee. SkyMiles value can fluctuate. Limited lounge access compared to higher-tier cards. Companion certificate can have restrictions on usage.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Delta SkyMiles Reserve American Express Card
  • The Platinum Card® from American Express
  • American Express® Gold Card

Card Value Score: 88.0 / 100

Est. Annual Rewards: $720.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0