Delta Reserve Credit Card vs Platinum Delta SkyMiles Card I finder.com

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

Reach elite status tier faster with one of these cards.

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Please note: All information about Platinum Delta SkyMiles® Credit Card from American Express and Delta Reserve® Credit Card from American Express have been collected independently by Finder and these cards are no longer available through this site.

The Delta Reserve® Credit Card from American Express and the Platinum Delta SkyMiles® Credit Card from American Express are two premium frequent flyer cards with one main difference — the Reserve card costs more. To justify the cost, you get to reach Medallion status faster, you get complimentary Delta Sky Club access and you get first-class companion certificate as opposed to the Platnium’s main cabin certificate.

Make sure you get the best value for your card by comparing all the other perks and features.

Delta Reserve® Credit Card from American Express

Delta Reserve® Credit Card from American Express

Platinum Delta SkyMiles® Credit Card from American Express

Platinum Delta SkyMiles® Credit Card from American Express

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★★★★★

4.0 / 5.0
Best for
Best for
  • Premium Delta perks
  • Delta perks with a stellar welcome offer
Welcome offer
Welcome offer

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

35,000 miles and 5,000 MQMs after spending $1,000 in the first 3 months plus $100 when you make a Delta purchase in the same timeframe

Rewards
Rewards

2x miles on direct Delta purchases and 1x miles on all other purchases

2x miles on Delta purchases and 1x miles for all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

17.74% to 26.74% variable

17.74% to 26.74% variable

Annual fee
Annual fee $450 $195
Balance transfers
Balance transfers APR: 17.74% to 26.74% variable

Fee: $5 or 3% of the transaction, whichever is greater

APR: 17.74% to 26.74% variable

Fee: $5 or 3% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 27.24% variable

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

APR: 27.24% 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 $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Which card should you choose?

Delta Reserve® Credit Card from American Express

Delta Reserve® Credit Card from American Express

  • Earn Medallion® Qualification Miles (MQMs)
  • Delta Sky Club access
  • Concierge service

Platinum Delta SkyMiles® Credit Card from American Express

Platinum Delta SkyMiles® Credit Card from American Express

  • Check your first bag for free
  • Strong welcome offer
  • Priority boarding

Compare similar credit cards

Name Product Welcome offer Rewards Annual fee Filter values
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
40,000 miles after spending $2,000 in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
40,000 points after spending $1,000 in the first 3 months plus 20,000 points after spending $12,000 in the first 12 months
2x points on Southwest Airlines and 1x points on all other purchases
$99
Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months, plus 20,000 points after spending $12,000 on purchases in the first 12 months.
50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year
3x Avios on British Airways, 2x on hotels and 1x on all other purchases
$95
50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year

Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
50,000 points after spending $2,000 in the first 3 months
3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases
$0
50,000 bonus points after you spend $2,000 on purchases in your first 3 months from your account opening.

Compare up to 4 providers

Compare top American Express cards

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