Is the Delta Platinum American Specific well worth the annual payment?

The Delta SkyMiles® Platinum American Specific Card is a mid-tier card with a $350 annual payment (see charges and charges).

When annual charges attain the $300-plus mark, you begin to query whether or not the advantages and perks make the payment worthwhile.

So, let’s dive in and see if the Delta Platinum Amex is value its annual payment.

Welcome provide

The Delta SkyMiles Platinum gives new cardmembers the chance to earn an elevated 90,000 bonus miles after spending $4,000 in eligible purchases inside the first six months of card membership. This provide ends July 16.

TPG’s June 2025 valuations worth Delta SkyMiles at 1.25 cents per level, which makes this provide value $1,125.

You won’t be eligible for this welcome provide in case you have or have had different SkyMiles Amex playing cards. If you wish to improve or downgrade, you must examine your Amex account and see if there are any gives.

American Specific might think about different components when figuring out your welcome provide eligibility. Be certain to concentrate to any messages that pop up through the utility course of.

Associated: Finest time to use for Delta American Specific playing cards based mostly on provide historical past

Incomes charges

The Delta Platinum Amex is restricted to solely incomes Delta SkyMiles.

This card earns:

• 3 miles per greenback spent on all Delta purchases and motels worldwide booked instantly
• 2 miles per greenback spent on eating at eating places worldwide (together with takeout and supply within the U.S.) and U.S. supermarkets
• 1 mile per greenback spent on all different purchases

Primarily based on TPG’s June 2025 valuations, these charges equate to a 3.8%, 2.5% and 1.3% return on spending, respectively.

Different playing cards have the next return on spending on on a regular basis purchases, however in case you are a Delta loyalist, the airline-specific advantages and different perks make this a strong choice.

Associated: Finest airline bank cards

Complimentary upgrades

Cardmembers who haven’t got Delta SkyMiles Medallion standing are eligible to obtain complimentary upgrades to Delta One (on home flights), firstclass and Delta Consolation+ after Medallion members.

It is very important be aware that upgrades are unlikely for simply being a cardmember, as all Medallion elite and improve certificates will take larger priority within the improve queue.

That mentioned, even receiving only one improve in a calendar yr may help offset the Delta Platinum Amex’s annual payment.

Associated: Safe a greater seat: The last word information to getting upgraded on Delta flights

Interesting credit

Trip-hailing assertion credit

Customers of ride-hailing providers will worth the truth that the Delta Platinum Amex gives a month-to-month up-to-$10 assertion credit score (as much as $120 per calendar yr) after they use their card to pay for an eligible ride-hailing service. This credit score is legitimate on choose ride-hailing providers within the U.S.

(Enrollment is required; phrases apply.)

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Resy assertion credit

Foodies can rejoice, because the Delta Platinum Amex has Resy credit. Cardmembers obtain as much as $10 month-to-month in assertion credit on eligible purchases with U.S. Resy eating places (as much as $120 per calendar yr).

Any restaurant on Resy is eligible for the credit score in the event you pay utilizing your Delta Platinum Amex. (Enrollment is required; phrases apply.)

Amex states: “Eligible Resy purchases embody purchases made instantly from U.S. eating places that supply reservations on Resy.com and the Resy app and settle for American Specific Playing cards, purchases made instantly on Resy.com or within the Resy app, and purchases made through Resy Pay. Eating places have to be reside on Resy.com or the Resy app at time of buy to be eligible for the assertion credit score and are topic to vary at any time. Purchases of Resy OS restaurant administration software program and Resy-branded American Specific® Reward Playing cards will not be eligible.”

This credit score is efficacious to me as I typically eat out at eating places, and plenty of eating places are listed on Resy, so I deal with this as $10 off the price of my meal.

Delta Stays assertion credit score

Delta Platinum Amex cardmembers obtain an annual up-to-$150 credit score on Delta Stays per calendar yr. To obtain the credit score, it’s essential to e book pay as you go motels or trip leases by means of the Delta Stays web site.

This may add nice worth as, in some cities, you possibly can simply discover motels or trip leases for below $150 an evening, primarily netting you a free night time that helps offset the price of the annual payment.

Associated: 16 methods to earn extra Delta SkyMiles

Hertz standing

Delta Platinum Amex cardmembers obtain complimentary Hertz 5 Star standing. This mid-tier standing gives a one-car-class improve (if obtainable) and as much as an additional 25% factors earned on every rental.

(Enrollment within the Hertz Gold Plus Rewards program is required; phrases apply.)

This profit is helpful in the event you e book a smaller automobile however need a greater one. Hertz is my go-to automobile rental firm, and I’ve had 5 Star standing for years. I get an improve nearly each time I hire; most often, the improve is multiple class.

Associated: Get monetary savings in your subsequent journey! Use these tricks to by no means pay full value for a rental automobile

Standing enhance

The Delta Platinum Amex comes with a much-needed approach to jump-start qualification towards Medallion standing. For each $20 you spend, you’ll earn 1 Medallion Qualification Greenback.

Moreover, cardmembers obtain a head begin of two,500 MQDs deposited into their SkyMiles account each Medallion qualification yr.

Incomes MQDs by means of bank card spending means you possibly can fly much less and nonetheless earn invaluable Medallion standing.

Companion certificates

Cardmembers of the Delta Platinum Amex get an annual companion certificates every card yr anniversary. This companion certificates permits you to purchase two round-trip tickets (with as much as 4 segments) for the value of 1 — plus taxes and charges between $22 and $250.

This companion certificates is legitimate on round-trip Most important Cabin tickets on flights inside the U.S. (together with Alaska and Hawaii) and to and from Mexico, the Caribbean and Central America.

Associated: How to economize with an annual Delta companion ticket

Different advantages

The Delta Platinum Amex card comes with quite a lot of different helpful advantages, resembling:

• 15% off all Delta-operated award flights in any cabin of service (I take advantage of this perk often when I’m seeking to e book last-minute home transcontinental flights)
• Free checked luggage (first bag free for the cardmember and as much as eight individuals touring on the identical reservation)
• A $120 credit score for World Entry each 4 years or as much as an $85 credit score for TSA PreCheck each 4½ years
• 20% again on inflight purchases of food and drinks (inflight Wi-Fi purchases not included)
• Journey protections

(Enrollment is required for choose advantages; phrases apply.)

Associated: Your full information to journey protections on American Specific playing cards

Backside line

The Delta Platinum Amex card is a mid-tier bank card within the SkyMiles Amex household and gives helpful month-to-month credit and respectable incomes charges to assist offset the annual payment.

This card choice is nice for Delta loyalists seeking to obtain or keep Medallion standing. Should you make the most of all of the credit, you possibly can simply come out forward.

Nevertheless, in the event you do not make the most of these credit or fly Delta often, there are higher choices with decrease annual charges.

To study extra, learn our full evaluate of the Delta Platinum card.

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Apple right here: Delta SkyMiles Platinum

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For charges and charges of the Delta SkyMiles Platinum, click on right here.