The American Express Delta SkyMiles Platinum Card is ideal for individuals looking for outstanding travel perks. This credit card also offers significant welcome bonuses. It has a 0% foreign transaction fee, making it a good option for international purchases.
Individuals who frequently travel via Delta flights can enjoy American Express Delta SkyMiles Platinum Card benefits. It offers some perks for elite travelers, which may be enough to compensate for the $250 annual fee. Cardholders can earn 3x miles at hotels and on direct Delta purchases, 2x miles at restaurants and U.S. supermarkets, and 1x miles for other eligible purchases. The card can help boost your status as a Delta flyer by earning Medallion Qualification Miles.
The best credit card is the one that fits your needs as a user. While the American Express Delta SkyMiles Platinum Card has a high annual fee, proper financial management and budgeting can help you fully enjoy the travel perks this credit card offers. You can also use it to pay for flight tickets, seat upgrades and more.
An excellent card for earning Delta SkyMiles
The features and bonuses of this credit card can be beneficial for many users. However, you have to weigh the pros and cons before proceeding to the American Express Delta SkyMiles Platinum Card application process to make sure that it is the right card for your wallet.
MoneyGeek evaluates credit cards to determine the best selections for each category. While the American Express Delta SkyMiles Platinum Card review shows the benefits it offers, it is not among the cards selected as one of the best credit cards for travel.
Other factors to consider when looking for the best credit card are bonuses and rewards. These can help determine if the Delta SkyMiles Platinum Card’s features are useful to you or not.
New cardholders can earn 90,000 bonus miles and 10,000 Medallion Qualification Miles (MQM) if they spend $3,000 in purchases within the first three months. You can also get up to $100 back in statement credits during this period if you use the card for eligible purchases at U.S. restaurants. Additionally, spending $25,000 in purchases within a calendar year will help you earn 12,500 MQMs up to two times a year. MQMs help boost your status with Delta.
Eligible purchases help you earn one mile per dollar. But you can earn more by using the card for specific transactions. Rates are 3x miles at hotels and on Delta purchases, and 2x at restaurants and supermarkets
Save up to 20% in the form of a statement credit by using your Delta SkyMiles Platinum Card for eligible in-flight purchases.
The American Express Delta SkyMiles Platinum Card has other features and benefits, including the following:
"There’s a really cool Companion Certification perk you’ll get each year you renew this card. Each cardmember anniversary year, you’ll receive a Companion Certificate where you’ll be able to fly a guest of your choice on a roundtrip domestic route with you for free." - Alene Laney, Credit Card Journalist
Understanding the features, fees and rates associated with the Delta SkyMiles Platinum Card is a must to ensure that you are getting the best credit card suitable for your needs. Take note of the APR, transaction fees, annual fees and rewards rate.
Interest Rates
The APR for purchases made using the Delta SkyMiles Platinum Card is 15.74%–24.74%. Meanwhile, the rate for cash advances is 25.24%. If you make one or more late payments or if a payment is returned by the bank, you will have to pay a penalty APR of 29.99%.
Annual Fee
The annual fee for the American Express Delta SkyMiles Platinum Card is $250.
Miles Rewards Rate
Earn 3x miles at hotels and on direct Delta purchases, 2x miles at restaurants and U.S. supermarkets and 1x miles on other eligible purchases. The miles you earned will be posted to your account 8–12 weeks after the end of the month.
There are various factors you need to consider when choosing the best credit card. You can compare specific features and associated fees to see which card is ideal for your finances. If you already have credit cards, check your billing statements, online accounts and mobile apps to compare them with the American Express Delta SkyMiles Platinum Card benefits. You can also check out the credit card agreement database found on the Consumer Financial Protection Bureau (CFPB) website.
To determine if the American Express Delta SkyMiles Platinum Card is right for you, review all its features, fees and offers. Consider how you will be using it, and whether it will be your first or only card or an additional card to your wallet.
If you plan on getting a Delta SkyMiles Platinum Card as your first or only card, consider the high APR on purchases. Make sure you are able to pay your monthly bills in full to avoid huge interest payments. If you think you cannot pay in full, try to limit your spending and manage your budget well. To get the most out of the rewards, use it to pay for your purchases with Delta, at restaurants and at supermarkets. In doing so, you can easily stack up your miles.
If you already have other credit cards, compare the rewards and fees with what the American Express Delta SkyMiles Platinum Card has to offer. Check if there are certain spending patterns you can shift to this credit card. For instance, if your other credit cards have foreign transaction fees, using the Delta SkyMiles Platinum Card for international purchases may be the better option. The annual membership fee for this credit card is high. Try using it as much as possible on eligible purchases and Delta bookings to earn miles faster.
For this American Express Delta SkyMiles Platinum Card review, MoneyGeek used a methodology that includes the collection of information from the credit card companies and the Consumer Finance Protection Bureau’s database. In evaluating each company, MoneyGeek used standardized data points based on fees, bonuses and rewards. MoneyGeek conducts a review process monthly to reflect any changes in credit card details and offers.
The American Express Delta SkyMiles Platinum Card is a good option for frequent travelers looking for a credit card with various travel perks, opportunities to earn and redeem miles and make international purchases without worrying about transaction fees. However, it may not be the ideal option for every credit card user. It has a higher annual fee and APR compared to some credit cards under the same category.
American Express Delta SkyMiles Platinum Card
Mastercard Titanium Card
To better understand the American Express Delta SkyMiles Platinum Card, here are some of the most frequently asked questions regarding its features. Use the following information to decide whether this credit card is right for you.
The American Express Delta SkyMiles Platinum Card offers various benefits. However, it may not be the ideal card for your needs. Consider other credit cards if you want a credit card for business or the best rewards card.
