Delta SkyMiles® Platinum American Express Card
Basic Information
Program ID: delta-skymiles-platinum
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Platinum
Data Complete: Yes
Created: 01/07/2026 07:35
Last Scraped: 01/15/2026 05:31
Fee Structure
| Annual Fee: | $350.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-40.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,099.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $90,000.00
Spending Requirement: $6,000.00
Time Period: 180 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Delta SkyMiles
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Miles on Delta purchases, 3x Miles on purchases made directly with hotels, 2x Miles at U.S. Supermarkets
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire.
Transfer Partners: N/A - Earns Delta SkyMiles directly
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Welcome bonus eligibility: One welcome bonus per specific card product per lifetime. Applicants may be ineligible for a welcome bonus if they have previously held the card or if American Express determines they are gaming the system (often referred to as 'Pop-up jail'). Application rules: Maximum 2 credit card applications per 90 days across all American Express credit card products. Applicants must generally have good to excellent credit, meet income requirements, and pass American Express's internal risk assessments. American Express reserves the right to deny applications or bonuses based on their discretion.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 6 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Amex cards, rapid increase in credit limits, unusual spending patterns inconsistent with stated income, bouncing payments, applying for excessive credit too quickly, triggering a financial review (e.g., large deposits, unusual account activity).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent for Delta loyalists, strong travel benefits like free checked bag and companion certificate, good earning on Delta purchases, access to airport lounges.
Top Negative Feedback:
High annual fee, benefits are primarily Delta-specific, limited flexibility if not a frequent Delta flyer, lounge access is not unlimited.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- American Express Gold Card
- Chase Sapphire Preferred Card
- Delta SkyMiles Reserve American Express Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $950.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 30% Co-brand / 70% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0