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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

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

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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

60,000 points after spending $5,000 in your first 3 months

Rewards
Rewards

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

5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

Purchase APR
Purchase APR

15.74% to 24.74% variable

Annual fee
Annual fee $550 $550
Balance transfer APR
Balance transfer APR 15.74% to 24.74% variable

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. 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 5% back. On all other eligible purchases, you'll earn 1x points.
  • Welcome offer. Get 60,000 membership rewards points after you spend $5,000 on purchases in the first 3 months of card membership. That's up to $1,200 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 premium credit cards

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $350 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
CardMatch™ from creditcards.com
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See terms
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
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Compare American Express credit cards

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