Amex Delta Platinum & Reserve Cards: How To Use the Monthly Ride-Share Credit [2025]

When American Express recently added new benefits to its family of Delta credit cards, one of them was a new set of monthly credits that can be used with various ride-sharing services (upon enrollment). While not everyone uses ride-shares on a regular basis, it’s important to take advantage of as many of these new perks as possible, especially since the annual fees on Delta’s credit cards also recently increased.

But you can’t just start charging rides to your Delta credit card and expect to get them free. It’s a little more complicated than that. Let’s take a look at how to use these new credits so you can be sure you’re getting your money’s worth.

Which Delta Cards Have Monthly Ride-Share Credits?

This new ride-share perk doesn’t extend to the entire family of Delta co-branded credit cards — here’s the list of cards that now feature up to $10 in monthly ride-share credits:

• Delta SkyMiles^® Platinum American Express Card
• Delta SkyMiles^® Platinum Business American Express Card
• Delta SkyMiles^® Reserve American Express Card
• Delta SkyMiles^® Reserve Business American Express Card

Since all 4 of these cards have the identical ride-share benefit, you’ll want to explore the other differences across the cards if you’re trying to decide which may be right for you.

Delta Platinum Card and Delta Platinum Business Card

The Delta Platinum card and the Delta Platinum Business card are similar to each other, with 1 geared toward personal use and the other toward small businesses.

Terms Apply / Rates & Fees

Delta SkyMiles^® Platinum American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Delta SkyMiles^® Platinum American Express Card

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

Welcome Offer

Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

60,000 miles

UP's Offer Valuation*:

Up to $720

Annual Fee

$350

APR

20.24%-29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Delta SkyMiles^® Platinum American Express Card can be a great option for those seeking additional ways to obtain a higher level of status — or to maintain their current status — with the airline.

A key feature of this card is the ability to earn bonus Medallion Qualification Dollars (MQDs) that are essential for earning Delta status. This could help you get closer to earning a handful of valuable benefits with the airline.

Pros & Cons

Pros

• 3x SkyMiles per $1 spent on Delta purchases
• 3x SkyMiles per $1 spent on purchases made directly with hotels
• 2x SkyMiles per $1 spent at restaurants (including takeout and delivery) and U.S. supermarkets

Cons

• $350 annual fee (rates & fees)
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Receive a Companion Certificate on a Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of the government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
• Receive $2,500 Medallion^® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $20 in purchases on your Delta SkyMiles^® Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Delta SkyMiles^® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• Earn 1X Miles on all other eligible purchases.
• $120 Resy Credit: Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles^® Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
• $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles^® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
• You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles^® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Delta SkyMiles^® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• No Foreign Transaction Fees.
• $350 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta Air Lines SkyMiles

Terms Apply / Rates & Fees

Delta SkyMiles^® Platinum Business American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Apply Now(at Amex's secure site)

Delta SkyMiles^® Platinum Business American Express Card

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Welcome Offer

Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

70,000 miles

UP's Offer Valuation*:

Up to $840

Annual Fee

$350

APR

20.24% - 29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

Small business owners and frequent Delta flyers can make the Delta SkyMiles^® Platinum Business American Express Card your go-to credit card.

Cardholders earn 3x SkyMiles per dollar for purchases with Delta and access benefits, including no foreign transaction fees, priority boarding, and a free checked bag for each flight (rates & fees).

Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!

Pros & Cons

Pros

• Save 15% on award travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees
• 3x SkyMiles per $1 spent on Delta and hotel purchases
• 1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to $100,000 per year

Cons

• $350 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
• Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
• Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
• Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles^® Platinum Business American Express Card.
• Delta SkyMiles^® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles^® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Terms and limitations apply.

Financial Snapshot

• APR: 20.24% - 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta Air Lines SkyMiles Frequent Flyer Program

The 2 cards each feature a free checked bag when flying Delta, priority boarding, up to $120 in Resy credits each year, up to $150 in annual Delta Stays credits (up to $200 for the Delta Platinum Business card), cell phone protection, a Global Entry/TSA PreCheck application fee credit, and the ability to earn Medallion Qualification Dollars (MQDs) just by spending on the card.

The Delta Platinum card has a $350 annual fee (rates & fees), and the Delta Platinum Business card also has a $350 annual fee (rates & fees).

Delta Reserve Card and Delta Reserve Business Card

If you’re looking for a Delta credit card with all the VIP features you could ever want, the Delta Reserve card and the Delta Reserve Business card are built with high-end perks.

Terms Apply / Rates & Fees

Delta SkyMiles^® Reserve American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Delta SkyMiles^® Reserve American Express Card

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Welcome Offer

Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

70,000 miles

UP's Offer Valuation*:

Up to $840

Annual Fee

$650

APR

20.24%-29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Delta SkyMiles^® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its MQD Headstart towards status boost, lounge access, annual companion certificate, and many other great benefits.

Here is a full look at everything the Delta Reserve card can offer to you to help you decide whether the card deserves a place in your wallet.

Pros & Cons

Pros

• 3x SkyMiles per $1 on Delta purchases.
• 1x SkyMile per $1 on all other eligible purchases.
• Card Members get 15% off when using miles to book Award Travel on Delta flights.

Cons

• $650 annual fee (rates & fees)
• No bonus categories other than Delta purchases

Read Full Review

Card Highlights

• Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Delta SkyMiles^® Reserve American Express Card Members receive 15 Visits per Medallion^® Year to the Delta Sky Club^® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
• Enjoy complimentary access to The Centurion^® Lounge when you book a Delta flight with your Reserve Card.
• Receive $2,500 Medallion^® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles^® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Enjoy a Companion Certificate on a First Class, Delta Comfort+^®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
• $240 Resy Credit: When you use your Delta SkyMiles^® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
• $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles^® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
• Delta SkyMiles^® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Delta SkyMiles^® Reserve American Express Card, receive upgrade priority over other Medallion Members within the same Medallion tier and fare class grouping when you fly with Delta.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees.
• $650 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta SkyMiles Airline Loyalty Program

Terms Apply / Rates & Fees

Delta SkyMiles^® Reserve Business American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Apply Now(at Amex's secure site)

Delta SkyMiles^® Reserve Business American Express Card

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Welcome Offer

Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

80,000 miles

UP's Offer Valuation*:

Up to $960

Annual Fee

$650

APR

20.24% - 29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Delta SkyMiles^® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

Pros & Cons

Pros

• 3x miles per dollar on Delta purchases
• 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
• Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.

Cons

• High annual fee
• Does not earn many miles for purchases outside of Delta spend

Read Full Review

Card Highlights

• Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
• Delta SkyMiles^® Reserve Members receive 15 Visits each Medallion^® Year to the Delta Sky Club^® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
• Earn 3 miles per dollar on eligible Delta purchases.
• Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion^® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles^® Reserve Business American Express Card.
• Receive a Companion Certificate on a First Class, Delta Comfort+^®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
• With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
• Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
• When you purchase a Delta flight with your Delta SkyMiles^® Reserve Business Card, you will receive complimentary access to The Centurion^® Lounge or Escape Lounge.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles^® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles^® Reserve Business American Express Card.
• Terms and limitations apply.

Financial Snapshot

• APR: 20.24% - 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta SkyMiles Frequent Flyer Program

With either card, you’ll get complimentary access to both Amex Centurion Lounges (when you book your same-day Delta flight with your Delta Reserve card or Delta Reserve Business card) and Delta Sky Clubs (when flying on Delta), up to $240 in annual Resy credits, eligibility for complimentary upgrades on Delta, a first checked bag free and priority boarding, and starting on your first cardmember anniversary and each year thereafter, a Companion Certificate for just the cost of taxes and fees.

The Delta Reserve card has a $650 annual fee (rates & fees), and the Delta Reserve Business card also has a $650 annual fee (rates & fees).

How To Enroll for the Ride-Share Credits

If you have one of the 4 Delta cards with these new monthly ride-share credits, it’s extremely important that you enroll your card in this benefit before attempting to use it. Any ride-share charges made to your Delta credit card won’t earn any credits if you haven’t first enrolled the card.

Fortunately, enrollment is relatively simple, and you only have to do it once. Log into your American Express account online and scroll to the Benefits Dashboard, where you’ll find the option to enroll in various features of your Delta credit card, including the ride-share credits.

Or, if you prefer, you can also enroll by calling the number on the back of your card. Just keep in mind that regardless of which method you use, enrollment may take up to 24 hours to take effect, so plan accordingly.

Which Ride-Share Services Count for the Credits?

The good news is you don’t have to guess whether a specific ride-share service will count toward earning the monthly credits. That’s because, according to the terms and conditions of this benefit, there are exactly 5 ride-share services that are eligible: Alto, Curb, Level, Revel, and Uber.

Most people are already familiar with Uber and Lyft, but the other services might be new to you.

Curb is an app that lets you request and pay for taxis — it’s available in over 30 cities, including Boston, Chicago, Los Angeles, Miami, New York City, Philadelphia, and Washington, D.C.

Revel is a company that owns and operates a fleet of all-electric vehicles in New York City and some of the surrounding area.

Alto features luxury vehicles with service in Dallas, Houston, Los Angeles, and Miami.

Ride-Sharing Overseas

Of the 5 eligible ride-share services, only Uber operates outside of the U.S. and Canada. However, the monthly credits can only be earned on rides in the U.S., so don’t plan to try and use them when you’re overseas or across the border.

Food Delivery and Other Ride-Share Services

In addition to ride-shares, some of these companies offer other services, such as Uber Eats for food delivery and Lyft’s scooters and bike rentals. However, the terms of the monthly credits specifically note that:

“Eligible purchases do not include delivery services (for example, food, packages, groceries, pet food, toys or retail clothing), bikeshare, scooter, car rental, transit, membership, or any other non-rideshare services offered by the rideshare providers.”

So you’ll likely be out of luck if you try to use these credits for anything but ride-shares. But if you’re able to take advantage of one of these ride-share services regularly, either in your home city or when you travel, these credits should save you some money.

How To Use the Ride-Share Credits

Once you’ve enrolled your card in the ride-share benefit and chosen one of the eligible services from the list, using the credits is very easy. All you need to do is add your Delta credit card to the ride-share app and then pay for your ride with it. After the charge is posted to your account, you’ll automatically see a credit of up to $10 for it.

According to American Express, it may take up to 6 to 8 weeks after an eligible purchase is charged to the enrolled account for the statement credit to post. However, in reality, these credits usually appear on your account relatively quickly, within a few days or a week at most. But if the credit doesn’t appear, you’ll likely have to wait the full 8 weeks before you can file a complaint with Amex.

What if your ride costs less than $10? You’ll only get a credit up to the amount of your ride-share cost, but you’re able to use these credits over multiple purchases. So, if you take another ride-share in the same month, you can earn the rest of the credit that way. However, these monthly credits don’t “roll over” from month to month — you’ll need to use it or lose it.

Authorized Users

If you have an authorized user on your card, can they use the ride-share credit as well? Yes, they can, as long as the primary cardmember has enrolled their own account in the benefit.

However, you only get 1 set of credits per account — there aren’t any extra credits each month for having an authorized user. The credits are shared across all cards tied to a single account. So, if your authorized user takes a ride-share and uses up the $10 credit in a particular month, you won’t be able to use the credit that month on your own card.

Are the Ride-Share Credits Worth It?

Since these credits are effectively restricted to actual rides and can’t be used on any of the other related ride-share services, whether you typically utilize ride-shares will determine if the credits are worth it.

Many people use ride-shares multiple times a month, while others rarely need them. It’s also not unusual nowadays to rely on ride-shares when traveling to easily get around a new area instead of renting a car.

If you already use ride-shares regularly, either at home or on the road, these credits will be easy to use each month and help offset your card’s annual fee. On the other hand, if you never use ride-shares, you’ll want to ensure you’re taking advantage of the other perks of your Delta credit card to get as much value from it as possible.

Final Thoughts

While it’s never fun to have the annual fee on your credit card go up, at least Delta and American Express have added more benefits, like the new monthly ride-share credits, to help offset the extra cost. As with all credit cards, when changes happen, you should consider whether the new perks fit your lifestyle. If they don’t, it’s time to consider changing things up and looking at some new credit card options.

These Delta ride-share credits are relatively simple to use for those who take ride-shares even once or twice a month. They can easily earn you up to $120 a year in money that goes right back into your pocket, making them one of the easier new perks to take advantage of each month.

For the cell phone protection benefit of the Delta SkyMiles^® Platinum American Express Card and Delta SkyMiles^® Platinum Business American Express Card, eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.