$550
Annual fee
See the card
Card reviewAmerican Express
Updated Aug 13, 2026 · research
American ExpressDelta SkyMiles
Delta SkyMiles Platinum American Express Card
Experience travel rewards and benefits with the Delta SkyMiles Platinum American Express Card.
PremiumPersonal
American Express
$350
Annual fee
—
Top rate
None
Foreign fee
N/A
Rating
Pros & Cons
Pros
- Annual domestic Main Cabin companion certificate adds significant recurring value for regular Delta travelers
- First checked bag free for up to nine travelers on the same reservation can offset the annual fee quickly
- TakeOff 15% discount reduces the miles cost of Delta award redemptions on every booking
- No foreign transaction fees makes the card practical for international trips
- 50,000-mile welcome bonus offers solid upfront value estimated at around $600
Cons
- $350 annual fee is not waived in the first year and requires regular Delta travel to justify
- Earning rates are limited outside of Delta and hotel purchases, with only 1 mile per dollar on everyday spending
- Companion certificate is restricted to domestic Main Cabin travel on select routes and still requires payment of taxes and fees
- MQD Boost requires $25,000 in annual card spending, which is a high threshold for most consumers
- Travel insurance benefits are secondary coverage, meaning other insurance or carrier reimbursement must be exhausted first
Key Takeaways
- Earns 3 miles per dollar on Delta purchases, 2 miles per dollar on hotels, and 1 mile per dollar everywhere else
- Annual companion certificate and first checked bag free are the two benefits most likely to offset the $350 annual fee
- TakeOff 15% reduces the miles cost of every Delta award flight booked through delta.com or the Fly Delta app
- The $2,500 MQD Boost toward Medallion Status requires hitting $25,000 in annual card spending
- No foreign transaction fees and included travel protections add value for international and domestic travelers alike
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $350 |
| Foreign Transaction Fee | 0% |
Frequently Asked Questions
What is the annual fee for the Delta SkyMiles® Platinum American Express Card?
The card carries a $350 annual fee. There is no annual fee waiver for the first year, so the fee is charged upon account opening.
How does the annual companion certificate work?
Each year after your card renewal month, you receive a domestic Main Cabin round-trip companion certificate valid on select Delta flights. Taxes and fees still apply, and the certificate must be used within a set validity window on qualifying routes.
Does the card charge foreign transaction fees?
No, the Delta SkyMiles® Platinum American Express Card has no foreign transaction fees, making it suitable for international travel.
How does the first checked bag free benefit work?
The primary cardmember and up to eight companions on the same reservation can each check their first bag for free on Delta-operated flights. Your SkyMiles number must be linked to the reservation, or you must pay with the card, for the benefit to apply.
What is the TakeOff 15% benefit?
TakeOff 15% gives you a 15% discount on the miles price when you redeem SkyMiles for award flights on Delta through delta.com or the Fly Delta app. The discount applies only to Delta-operated flights and does not apply to partner award bookings or the taxes and fees portion of the ticket.
How does the MQD Boost help with Delta Medallion Status?
After spending $25,000 on the card in a calendar year, you receive a $2,500 Medallion Qualifying Dollar (MQD) boost toward Delta Medallion Status. This boost does not replace all MQD requirements but can help accelerate your progress toward elite status.
What travel insurance protections come with the card?
The card includes Trip Delay Insurance covering reasonable expenses like meals and lodging up to $500 per trip for delays exceeding six hours, and a Baggage Insurance Plan covering up to $1,250 for carry-on bags and up to $500 for checked bags when you pay with the card. Both coverages are secondary to other applicable insurance or carrier reimbursement.
What credit score do I need to qualify for this card?
American Express generally targets applicants with good credit for this card. A good credit score typically means a FICO score in the range of approximately 670 and above, though approval depends on multiple factors.
About This Card
This card is best for frequent Delta flyers who regularly check bags and travel with a companion, and who want to accelerate progress toward Delta Medallion Status. It suits travelers who can realistically use the annual companion certificate and first checked bag benefit to offset the $350 annual fee.
The Delta SkyMiles Platinum American Express Card is designed for Delta flyers, offering miles on Delta purchases, travel convenience, and co-branded perks.
The combination of an annual domestic companion certificate and TakeOff 15% on every Delta award redemption gives this card a practical, repeatable value loop that most competing mid-tier airline cards do not replicate.
Ready to Decide?
Apply for the Delta SkyMiles Platinum American Express Card
Current offer available with a $350 annual fee.
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