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

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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 75,000 bonus miles and 5,000 MQMs after spending $5,000 in the first 3 months 75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
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)

17.99% to 26.99% variable

17.99% to 26.99% variable

Annual fee
Annual fee $450 $195
Balance transfers
Balance transfers APR: 17.99% to 26.99% variable

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

APR: 17.99% to 26.99% variable

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

Cash advance
Cash advance

APR: 27.49% variable

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

APR: 27.49% variable

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

Late payment fee
Late payment fee Up to $38 Up to $38
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

Read review

Read review

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

  • Earn Medallion® Qualification Miles (MQMs)
  • Strong welcome offer
  • Priority boarding

Compare similar credit cards

Name Product Welcome Offer Rewards Annual Fee
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Rates & Fees
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta 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
75,000 bonus miles and 5,000 MQMs after spending $5,000 in the first 3 months
2x miles on direct Delta purchases and 1x miles on all other purchases
$450
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you spend $5,000 in purchases on your new card in your first 3 months. Rates & Fees
40,000 miles after spending $2,000 in the first 3 months
2x miles on tickets purchased from United, 2x miles at restaurants, 2x miles on direct hotel purchases 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.

Compare up to 4 providers

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Rates & Fees
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

Compare up to 4 providers

Compare top American Express cards

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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