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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.

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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 while the Delta SkyMiles® Reserve American Express Card demands a whopping $550 each year. 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

Rates & Fees

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

Rates & Fees

finder.com's rating
finder.com's 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

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

40,000 miles and 5,000 MQMs after spending $2,000 in the first 3 months, plus $100 after making a Delta purchase in the same timeframe

Rewards
Rewards

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

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

Read review

Read review

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.

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

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

Compare airline credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
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.
Delta SkyMiles® Gold American Express Card
35,000 miles after spending $1,000 in the first 3 months
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees
Delta SkyMiles® Blue American Express Card
10,000 miles after spending $500 in the first 3 months
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
$0
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees
Costco Anywhere Visa® Card by Citi
N/A
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
$0
Get 3% back on your travel and dining purchases with no foreign transaction fees and use the card for your Costco membership.
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