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

A luxury card battle between Delta and American Express.

Updated

Fact checked

The winner: The Platinum Card® from American Express

The Platinum Card® from American Express logo

Up to $4,500

In welcome offer value

  • Biggest welcome offer on the market: Valued up to $4,500
  • 10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months
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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.

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

Rates & Fees

The Platinum Card® from American Express

The Platinum Card® from American Express

Rates & Fees

finder.com's rating
finder.com's 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

40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months

75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe

Rewards
Rewards

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

10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).

Purchase APR
Purchase APR

15.74% to 24.74% variable

See pay over time APR

Annual fee
Annual fee $550 $550
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

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Summary of card features

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

  • Welcome offer. Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you make $3,000 in eligible purchases with your card within the first 3 months of account opening.
  • Rewards. Earn 3x miles on Delta purchases and 1x miles on other eligible purchases.
  • Airport lounge access. Get complimentary access to all Delta Sky Clubs when flying with Delta, which otherwise costs $59 for a single visit. If you visit Delta Sky Clubs once a month, that's $708 savings per year. Also, you get access to The Centurion® Lounge when you book your Delta flight with your card.

The Platinum Card® from American Express

The Platinum Card® from American Express

  • Membership reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
  • You can use your points toward gift cards, travel rewards, statement credit and more. If you redeem these points for the highest valued rewards, you'll get 10% back. On all other eligible purchases, you'll earn 1x points.
  • Welcome offer. Get 75,000 membership rewards points after you spend $5,000 on purchases in the first 6 months of card membership. You'll also earn 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases for the first 6 months. These two welcome offers combined can earn you up to $4,500 worth of rewards when transferred to travel partners.
  • Airline fee credit. Select a qualifying airline and receive a $200 airline fee credit each year to cover incidental charges, such as checked bags or in-flight purchases.

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

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Delta SkyMiles® Reserve American Express Card
40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months
3x miles on direct Delta purchases and 1x miles on all other purchases
$550
Delta's luxury offering shines with access to Delta Sky Clubs, Centurion Lounges, an annual companion certificate and more valuable travel perks. Rates & fees
The Platinum Card® from American Express
75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees
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