Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Delta SkyMiles® Reserve American Express Card vs The Platinum Card® from American Express

A luxury card battle between Delta and American Express.

The winner: The Platinum Card® from American Express

Up to $7,000

In welcome offer value

  • Biggest welcome offer on the market: Valued up to $7,000
  • 10x points at restaurants and US Shop Small vendors on up to $25,000 combined in the first 6 months
Apply now
Terms apply, see rates & fees

Perhaps the biggest difference between these two luxury cards is in the reward earnings rate. As a cobranded card, the Delta SkyMiles® Reserve American Express Card card earns 3x miles on Delta purchases and 1x miles on all other purchases. The Platinum Card® from American Express, on the other hand, earns 5x points on directly-booked flights or travel booked through the Amex travel portal and 1x points on everything else.

Terms apply to American Express benefits and offers.

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

Terms apply, see rates & fees

The Platinum Card® from American Express

The Platinum Card® from American Express

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.3 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Delta and Centurion lounge access
  • Excellent travel rewards
Welcome offer
Welcome offer

Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after spending $3,000 in your first 3 months.
Also, earn up to $100 back in statement credits for purchases at US restaurants within the first 3 months.

100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe

Rewards
Rewards

3x miles on direct Delta purchases and 1x miles on all other eligible purchases.

10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases

Purchase APR
Purchase APR

15.74% to 24.74% variable

See Pay Over Time APR

Annual fee
Annual fee $550 $695
Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $175
Interest-free period
Interest-free period 25 days 25 days
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Other
Learn more
Learn more

Read review

Read review

Compare Delta SkyMiles® Reserve American Express Card vs. The Platinum Card® from American Express

Name Product Welcome offer Rewards Annual fee Filter values
Delta SkyMiles® Reserve American Express Card
Earn 50,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after spending $3,000 in your first 3 months.
Also, earn up to $100 back in statement credits for purchases at US restaurants within the first 3 months.
3x miles on direct Delta purchases and 1x miles on all other eligible purchases.
$550
Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Plus, earn up to $100 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership.
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
$695

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
loading

Compare up to 4 providers

Compare American Express credit cards

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site