Delta SkyMiles® Platinum American Express Card

The card_name is a travel rewards card designed for people who are loyal to Delta airlines. It has a welcome offer and one of the best benefits is an annual companion certificate, good for a round-trip flight (Minus taxes and fees. Terms Apply.). If you use it, this makes up for the annual fee of $350. And your first checked bag is free on Delta flights. We dive into the details and your approval odds in this Delta SkyMiles® Platinum review.

Welcome Offer

Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership

Our Rating

4.5/5.0

Welcome Offer

Earn 50,000 Bonus Miles

Annual Fee

$350

0% on Purchases

N/A

Reward Rate

1x – 3x miles

0% on Balance Transfers

N/A

Welcome Offer

Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership

Features & Benefits

SecurityEMV Chip Enabled
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, ShopRunner, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Free Checked Bags, Luggage Protection, Trip Delay Reimbursement, TSA PreCheck & Global Entry credit

Rewards

1x miles
On all other eligible purchases
Earn 1X Milex on all other eligible purchases.
2x miles
U.S. supermarkets
Earn 2X Miles at U.S. supermarkets
2x miles
Dining
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S.
3x miles
Delta Purchases
Earn 3X Miles on Delta purchases
3x miles
Hotels
Earn 3X Miles on purchases made directly with hotels

Interest Rates & Fees

Annual Fee$350
Foreign Transaction FeeNone
Regular APR20.99% - 29.99% (V) APR

Insurance

Trip Delay Insurance

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.
  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Premium Global Assist Hotline

ou can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Cell Phone Insurance

Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by AMEX Assurance Company.

Lost Baggage Insurance

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

What Credit Score Is Required to Get the Delta SkyMiles® Platinum American Express Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 654

Average Approved Credit Score: 717

App StatusDateCredit ScoreBureauCredit Limit
Approved03/25/2023
701
Experian
$1,700
Approved02/27/2023
736
Experian
$2,000
Approved02/08/2024
654
TransUnion
$5,000
Approved02/08/2024
660
Equifax
$5,000
Approved02/08/2024
664
Experian
$5,000
Approved07/14/2023
730
Experian
$10,000
Approved07/14/2023
739
TransUnion
$10,000
Approved02/04/2024
850
Not Provided
$25,000
Denied02/13/2023
610
Not Provided
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Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 3x miles
Cons
  • Annual fee
  • Requires good credit

What Are the Best Alternatives?

Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card

Rating

4.5

Rewards Range

1x - 3x miles

Annual Fee

$650

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

American Express® Gold Card
American Express® Gold Card

Rating

4.8

Rewards Range

1x-4x

Annual Fee

$250

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