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

Reach elite status tier faster with one of these cards.

The Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Platinum American Express Card are two premium frequent flyer cards with one main difference: the annual fee. The Delta SkyMiles® Platinum American Express Card requires an annual fee of $250(Terms apply, see rates & fees) while the Delta SkyMiles® Reserve American Express Card demands a whopping $550 each year(Terms apply, see rates & fees). To justify the cost, the Reserve lets you reach Medallion status faster, you get complimentary Delta Sky Club access and you get a first-class companion certificate.

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

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

Terms apply, see rates & fees

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.3 / 5.0

★★★★★

4.0 / 5.0
Best for
Best for
  • Delta and Centurion lounge access
  • Delta perks with a stellar welcome offer
Welcome offer
Welcome offer

Limited Time Offer: 80,000 miles, 20,000 Medallion® Qualification Miles (MQMs), and a $200 statement credit after spending $5,000 in your first 3 months. Offer ends 11/10/21

Limited Time Offer: 90,000 miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $3,000 in your first 3 months. Offer expires 11/10/2021

Rewards
Rewards

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

3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles on other eligible purchases

Purchase APR
Purchase APR

15.74% to 24.74% variable

15.74% to 24.74% variable

Annual fee
Annual fee $550 $250
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 $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
Learn more
Learn more

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