Amex
Delta Platinum
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Card review
Delta Platinum
Amex
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$350
Welcome bonus
See issuer
Est. net value
$731/yr
Credit score
Varies
Top earn rate
3x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Delta Platinum from Amex carries a $350 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $545.76 in rewards plus $535.00 in credits and perks — $730.76 net per year before welcome bonuses.
How the points work
3X at Delta
3X at Hotels
2X at US Supermarkets
2X at Restaurants, including takeout and delivery
1X at everywhere else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseDelta Airlines | 3× |
| TravelHotels | 3× |
| DiningDining | 2× |
| GroceriesU.S. Supermarkets | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Global Entry$100/yr
Get one $100 statement credit for Global Entry (every 4 years) or one $85 statement credit for TSA Pre-Check (every 4.5 years).
- Rideshare$120/yr
With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Card to pay for U.S. rideshare purchases with select providers. Enrollment is required.
- Resy$120/yr
Earn up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants. Create a Resy account on Resy.com or on the Resy app to book a reservation. Enrollment is required.
- Delta Stays$150/yr
Annual statement credit of up to $150 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com
Benefits & perks
- Free Checked Bag$30/yr
Get your first checked bag fee waived on eligible Delta flights for you and up to eight other passengers.
- Companion Certificate
Get two roundtrip tickets for the price of one plus taxes and fees of the companion ticket.
- SkyClub Access $15/yr
Access to the Delta Sky Club at $39 per person when traveling on Delta or Delta partner airline flight. You may bring up to two guests or immediate family at $39 per person.
- 20% In-Flight Savings
Get 20% savings in the form of a statement credit on eligible pre-purchased meals, and in-flight purchases of food, alcoholic beverages and audio headsets, on Delta-operated flights.
- MQD Headstart
With MQD Headstart, you can receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to elevated Status for next Medallion Year.
- Priority Boarding
Get Main Cabin 1 Priority Boarding on Delta flights. Benefit is limited to Basic Card Members (not Additional Card Members).
- Status Boost
Spend $25,000 and receive 10,000 MQMs. Spend $50,000 or more and receive an additional 10,000 MQMs. For January 1, 2021 through December 31, 2021, you will be awarded an additional 2,500 bonus MQMs for each tier.
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
- Cell Phone Protection
Receive cell phone protection by paying your bill each month. Max $800 per claim, up to 2 claims per 12-month period, $50 deductible.
- Complimentary Upgrade List
Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members
- Hertz Five Star Status
Enrollment in the Hertz Gold Plus Rewards program is required. To receive the benefit, you must add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card, register at delta.com/mypromos/eligible, and "Enroll in Promotion" at delta.com/hertz.
- Platinum MQD Boost
Basic Card Members will earn one (1) Medallion Qualification Dollar (MQD) for each $20 of eligible purchases charged to their Delta SkyMiles® Platinum and Delta SkyMiles® Platinum Business American Express Card or any Additional Cards on the Card Account during a Qualification Year.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$350
- Stated credits
- +$490
- Perks (est.)
- +$45
- Net after credits & perks
- $185
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $350 per year.