American Express Platinum Delta SkyMiles: A Power-Packed Travel Card | finder.com

Review: Platinum Delta SkyMiles® Credit Card – April 2018

A valuable companion for frequent Delta flyers and world travelers — even if it’s a little pricey.

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Known for: Excellent travel benefits and Delta perks
Minimum credit score: 720 (Excellent)

With the Platinum Delta SkyMiles card, you’ll come for the strong introductory bonus and stay for the helpful travel features. It’s one of the pricier cards on the market ($195 p.a. annual fee), but you could get your money’s worth if you travel frequently, with a suite of offerings like no foreign transaction fees, Delta Airlines perks, and travel insurance.

Product NamePlatinum Delta SkyMiles® Credit Card
Intro APR for Balance Transfer16.99% to 25.99% variable% Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
Balance Transfer Rate (not intro)16.99% to 25.99% variable
APR for Purchases ( Purchase Rate )16.99% to 25.99% variable
Annual fee$195
Cash Advance Rate26.49% variable
Card TypeAmerican Express
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 25 days
Returned Payment Fee$38
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Minimum Credit ScoreGood (700-739)
Minimum Age18 years of age
Annual fee$195
Returned Payment Fee$38
Over The Credit Line Fee$0
Late Payment Fee$38
Cash Advance Fee$5 or 3% of the amount of each transfer, whichever is greater

What are the benefits of the Platinum Delta SkyMiles Credit Card?

The Platinum Delta SkyMiles comes with a great introductory bonus and a collection of features from American Express. It’s especially useful if you’re an avid traveler, as it comes with travel perks like baggage insurance, car rental insurance, and access to the American Express Global Assist Hotline.

Since the card is co-branded with Delta, you’ll get the most out of it if you’re a loyal Delta Airlines flyer. You’ll get discounted Delta Sky Club access, for example, as well as a free checked bag and savings on in-flight purchases.

The perks

  • Introductory offer of 5,000 Medallion Qualification Miles (MQMs) and 35,000 bonus miles. You’ll earn bonus miles by hitting a relatively low spending requirement of $1,000 in the first three months.
  • Annual complimentary companion certificate. Invite another passenger to travel with you on eligible main cabin round-trip domestic flights .
  • Miles Boost for faster mile earnings. If you spend $25,000 or more in a calendar year, you’ll earn 10,000 bonus miles and 10,000 bonus MQMs. Once you hit $50,000 in spending for the calendar year, you’ll earn another 10,000 bonus miles and 10,000 MQMs.
  • 1x miles per dollar spent. On all purchases, you’ll earn 1 mile per dollar spent.
  • Additional 2x miles on Delta purchases. On top of the miles you’ll earn on all purchases, you’ll earn 2 mile per dollar spent through Delta Airlines.
  • No limits on miles. You can earn as many miles as you’d like.
  • No foreign transaction fees. You can use your card internationally without incurring fees.
  • First checked bag free on Delta flights. Checking the first bag on a Delta flight normally costs $25.
  • Access to Delta Sky Club for a reduced fee. Just use your Platinum Delta SkyMiles card.
  • Savings on in-flight purchases. You’ll receive a 20% discount (comes in the form of statement credit) on in-flight purchases like movies, TV shows, food, beverages, video games and audio headsets.
  • Car rental coverage. You’ll receive insurance on eligible car rentals, protecting you from liability for loss or damage.
  • Baggage insurance. Lost, damaged, or stolen baggage will be covered when you purchase your transportation fare with your Platinum Delta SkyMiles card. (Maximum coverage of $1,250 for carry-on baggage and $500 for checked baggage.)
  • 24/7 access to the Global Assist Hotline. On trips more than 100 miles from your home, you can use the Global Assist Hotline, which offers legal, financial, and medical assistance. You can also call the Hotline for emergencies like cash wires, passport replacement, and missing luggage.
  • Purchase protection. With the Platinum Delta SkyMiles card, you’ll receive purchase protection like extended warranties, return protection, and theft and damage protection.
  • Entertainment access. You’ll have access to ticket presales and local cardholder-only events.
  • Fraud protection. You won’t be liable for charges you don’t authorize.

What to watch out for

  • $195 p.a. annual fee. The Platinum Delta SkyMiles card comes with an annual fee higher than most cards.
  • Sliding APR scale. You’ll receive an APR from 16.99% to 25.99% variable depending on your credit.
  • Taxes and fees with round-trip flights. You’ll receive an annual companion certificate, but you will need to pay taxes and fees (maximum $75) out of pocket.
  • Higher APR for cash advances. If you want to take out a cash advance, keep in mind that doing so comes with a higher APR of 26.49% variable and a fee.
  • You may find better mile multiples with other cards. If you’re a frequent Delta Airlines customer, this might be one of the best cards you can find. If you’re not, however, the 1x mile multiple on purchases might leave a little to be desired. Look at your spending habits and consider whether other travel cards offer you more miles over the long run.

Am I eligible?

We recommend you meet these requirements before applying for the card:

  • Excellent credit (720-850).
  • At least 18 years of age and a US resident.

What information do I need to apply?

  • Your name, residential status and address
  • Your Social Security number
  • Your email address, phone number, and date of birth
  • Financial information like your annual salary, wages, bank routing number, and bank account number

Compare other American Express credit cards

Rates last updated April 20th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Wells Fargo Propel 365 American Express® Card
15.24% to 23.24% variable
0% Intro APR for 12 months (with $5 minimum, 5% balance transfer fee)
$0 annual fee for the first year ($45 thereafter)
20,000 bonus points if you spend $3,000 (net purchases) in first 3 months
Wells Fargo Propel American Express® Card
14.24% to 26.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
20000 bonus points if you spend $1,000 (net purchases) in first 3 months
Blue from American Express® Card
16.49%, 19.49% or 21.49% variable
16.49%, 19.49% or 21.49%% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn rewards with no annual fee.
Blue Sky from American Express® Card
18.49%, 21.49% or 23.49% variable
18.4921.4923.49% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Flexible travel rewards and no annual fee.
Hilton Honors™ Card from American Express
16.99% to 25.99% variable
16.9925.99% Intro APR for 60 days of account opening (with whichever is greater, 5% or 3% balance transfer fee)
$0
Earn 50000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
Hilton Honors™ Surpass® Card from American Express
16.24% to 20.24% variable
16.2420.24% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$75
Earn 100000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card within your first 3 months of Card Membership.
American Express Serve®
FREE ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide.
The Mercedes-Benz Credit Card from American Express
16.49% variable
16.49% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 10000 Membership Rewards ® points after using your new Card to make $1,000 in purchases within the first 3 months.
Plenti® Credit Card from Amex
15.99% to 25.99% variable
15.9925.99% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 5000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
Platinum Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$195
Earn 5,000 Medallion® Qualification Miles (MQMs)
and 35000 bonus miles after you spend $1,000 in purchases on your new card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new card within your first 3 months.
Gold Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($95 thereafter)
Earn 30000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Delta Reserve® Credit Card from American Express
16.99% to 25.99% variable
$450
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
Platinum Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99% variable% Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
$195
Earn bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
American Express® Green Card
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($95 thereafter)
Shop with more confidence
Premier Rewards Gold Card from American Express
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($195 thereafter)
More Points. More Rewards.
The Platinum Card® from American Express
No interest charges because you pay your balance in full each month
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
Blue Cash Everyday® Card from American Express
14.49% to 25.49% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
Blue Cash Preferred® Card from American Express
14.24% to 25.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
Amex EveryDay® Credit Card
14.24% to 24.24% variable
0% Intro APR for first 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 10000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Amex EveryDay® Preferred Credit Card
14.24% to 24.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 15000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Starwood Preferred Guest American Express Credit Card
16.49% to 20.49% variable
16.4920.49 % Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($95 thereafter)
Earn 25000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
USAA Secured Card American Express®
11.15% to 21.15% variable
$35
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
USAA Cashback Rewards Plus American Express® Card
13.15% to 27.15% variable
$0
Get high cash back rewards on most purchases, including gasoline, groceries and military base purchases.

Compare up to 4 providers

How to apply for the Platinum Delta SkyMiles Credit Card

  1. Click the Go to Site button on this page.
  2. Click the Apply Now button on the American Express page.
  3. Fill out personal information like your name, Social Security number, date of birth, address, total annual income, and whether you’re currently enrolled in the Delta SkyMiles program.
  4. Agree to American Express’s terms and conditions.
  5. Submit your application and wait to be approved.

I got the credit card! Now what?

Congratulations! Here are a few tips to make the most of your card.

  • Keep making monthly payments on time. Pay off your statements on time to avoid incurring a penalty APR, which can be to as high as 26.49% variable.
  • Enroll in American Express AutoPay. You can keep on top of your monthly payments more easily by enrolling in AutoPay. Choose automatic payments each month based on your total balance or minimum payment due, or a fixed amount.
  • Avoid accruing interest. It might feel good in the short term paying only the minimum on your monthly statement, but by doing so you’ll start accruing interest on your balance. To avoid this, pay your balance in full each month.
  • Be careful with common fees. Though the Platinum Delta SkyMiles card comes with no foreign transaction fees, it does come with balance transfer fees and cash advance fees.
  • Make balance transfers quickly. You can only initiate balance transfers within 60 days of opening your account.

Platinum Delta SkyMiles Credit Card: The bottom line

There may be better card options if you don’t fly Delta often or don’t spend much. Overall, the Platinum Delta SkyMiles card is a powerful travel card with a strong introductory bonus, useful perks for Delta customers and robust travel protections.

Frequently asked questions about the Platinum Delta SkyMiles card

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