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American Express credit card

Delta SkyMiles® Platinum American Express Card

$350 a year. 100,000 Delta SkyMiles miles after you spend $3,000 in 3 months. Purchase APR 19.74–28.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

American Express’s terms

Welcome offer

100,000 miles

After you spend $3,000 on purchases in your first 3 months.

Spending it takes
$1,000 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

The offer is described as earning up to 100,000 bonus miles. Bonus miles for promotional offers are posted 8 to 12 weeks after the end of each month.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$820−$180
Typical spender$1,060$60
Heavy spender$1,560$560
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

−$180a year

$820 the first year, with the welcome bonus.

Rewards and credits$170

−$180 after the fee−$350 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$60a year

$1,060 the first year, with the welcome bonus.

Rewards and credits$410

You keep $60−$350 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$560a year

$1,560 the first year, with the welcome bonus.

Rewards and credits$910

You keep $560−$350 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 60% of the 732 cards we track.

Other miles cards with fees over $300

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Delta SkyMiles

How you earn

3×
Air travel on a Delta flight, air travel on a Delta partner flight with a DL flight number, Delta Stays prepaid hotels and vacation rentals, Delta Vacations packages, and other Delta servicesEligible purchases charged directly with hotels worldwide, excluding timeshares, banquets, and events
2×
Eligible purchases charged at restaurants worldwideEligible purchases charged at supermarkets located in the United States; superstores and warehouse clubs are not considered supermarkets
1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Rideshare Credit: $10 monthly
  • Resy Credit: $10 monthly
  • Delta Stays Credit: $150 annual
  • Global Entry application fee credit: $120 every 4 years
  • TSA PreCheck application fee credit: $85 every 4 years
All 27 benefits
  • First checked bag free on Delta flights worldwide; second checked bag free on domestic Delta flights.
  • Either a $120 statement credit for a Global Entry application fee or up to an $85 statement credit for a TSA PreCheck application fee every 4 years.
  • Hertz Five Star Status; enrollment in the Hertz Gold+ program and additional enrollment steps are required.
  • Annual Companion Certificate for a Delta Main domestic, Caribbean, or Central American round-trip flight after renewal; it may also be redeemed toward the eligible flight portion of a Delta Vacations package. Government-imposed taxes and fees of $22 to $250 apply for itineraries with up to four flight segments.
  • $2,500 Medallion Qualification Dollars each Medallion Qualification Year through MQD Headstart.
  • Earn $1 Medallion Qualification Dollar for each $20 of purchases through MQD Boost.
  • 15% off Award Travel booked with miles on Delta flights through delta.com and the Fly Delta app; not applicable to partner-operated flights or taxes and fees.
  • Zone 5 Priority Boarding on Delta flights.
  • Eligible Card Members are added to the Complimentary Upgrade list after Delta SkyMiles Medallion Members and Reserve Card Members.
  • 20% back in the form of a statement credit on eligible Delta in-flight purchases of food and beverages.
  • Global Assist Hotline is available 24/7 when traveling more than 100 miles from home for emergency assistance and coordination services; third-party costs are the Card Member's responsibility.
  • Amex Presale Tickets and Amex Reserved Tickets access to select events, subject to availability.
  • American Express Venue Collection benefits at select stadiums and arenas, including dedicated entrances or fast lanes; enrolled Cards can receive 10% back on qualifying concessions purchases up to $250 per calendar year.
  • Pay With Miles permits up to $50 off a Delta flight for each 5,000 miles redeemed when booking on delta.com.
  • No foreign transaction fees.
  • Trip delay: $300 per trip; maximum 2 claims per Eligible Card per 12 consecutive month period
  • Rental car
  • Baggage: Up to $1,250 for carry-on baggage and up to $500 for checked baggage; for New York State residents, $10,000 aggregate maximum per Covered Trip for all Covered Persons
  • Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per calendar year
  • Extended warranty
  • Cell phone: Up to $800 per claim; limit of 2 approved claims per 12-month period
  • Emergency assistance

Changes

100,000 Delta SkyMiles miles80,000 miles since Oct 21Sep 29Today

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRPrime + 12.74% to Prime + 21.74%
Cash advance APRPrime + 21.99%
Cash advance fee
Penalty APRPrime + 26.74%
Late payment
Returned payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$350 · Filed with the CFPB · PDF, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · Filed with the CFPB · PDF, since Sep 29, 2026
What is the purchase APR?
19.74–28.74% APR · Filed with the CFPB · PDF, since Sep 29, 2026
Is there a welcome bonus?
100,000 Delta SkyMiles miles after $3,000 in purchases in 3 months. · americanexpress.com, since Sep 29, 2026
See it on americanexpress.com

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