Amex Platinum Card vs. Delta Platinum Card [Detailed Comparison]

Delta passenger flight attendant masks

We may be compensated when you click on links from one or more of our advertising partners. Opinions and recommendations are ours alone. Terms apply to offers below. See our Advertiser Disclosure for more details.

With similar-sounding names, it’s easy to confuse The Platinum Card® from American Express, a popular premier travel rewards card, with the Delta SkyMiles® Platinum American Express Card, the airline-branded rewards card offering benefits for frequent Delta Air Lines flyers.

The 2 cards are distinctively different, yet both offer unique value for the ideal cardholder. However, it may come as a surprise that there are some similarities between the 2 cards, especially for Delta frequent flyers.

Whether you’re an avid traveler who appreciates premium travel benefits or a frequent Delta flyer looking for some of the same, you’ll find our take on the Amex Platinum card versus the Delta Platinum card of interest as we look at these cards from this slightly different perspective.

Let’s move forward with all the information you need to determine the value of each card.

The Value of a Welcome Offer

A welcome offer allows you to earn a whole lot of rewards in the first 3 months after card approval by meeting minimum spending requirements.

The Amex Platinum card and the Delta Platinum card each have a generous welcome offer. The Amex Platinum card, however, earns Membership Rewards points whereas the Delta Platinum card earns Delta SkyMiles. We estimate the value of Membership Rewards points at 2.2 cents apiece, more than double the value we assign Delta SkyMiles at around 1 cent each.

Depending on how you redeem those rewards, the total value of each card’s welcome bonus will differ.

Here are the current welcome offerings for our 2 featured cards:

Bottom Line: Welcome offers allow you to accumulate a large number of rewards after you’re approved for a card and have met the minimum required spending requirements. The value of any welcome offer will vary based on how you ultimately redeem your rewards. Both of our featured cards offer generous welcome bonuses.

Membership Rewards Points vs. Delta SkyMiles

DELTA One Suites A350
Both Membership Rewards points and Delta SkyMiles can be redeemed for premium Delta flights. Image Credit: Delta Air Lines

When we look at earning and redemption options for the Amex Platinum card and the Delta Platinum card, we find that while the cards earn different types of rewards, you may still accomplish similar travel objectives with either currency, especially if you’re a Delta frequent flyer.

Let’s compare the earning and redemption options for our 2 cards:

Earning Potential

As we mentioned previously, the Amex Platinum card and Delta Platinum card earn entirely different types of reward currencies.

We’ll discuss how each type of reward can be redeemed next but here’s how you can expect to earn rewards with each of our featured cards:

Earning CategoryAmex Platinum CardDelta Platinum Card
Travel
  • 5x Membership Rewards points per dollar spent on flights booked directly with the airline and on Amex Travel (up to $500,000 in purchases each calendar year) and prepaid hotels booked via Amex Travel
  • 3x miles per dollar spent on Delta purchases
  • 3x miles for purchases directly with hotels
Restaurants/U.S. Supermarkets
  • 1x point per dollar spent
  • 2x miles per dollar spent
All Other Purchases
  • 1x point per dollar spent on all other eligible purchases
  • 1x mile per dollar spent

Hot Tip: New cardmembers of the Amex Platinum card can earn 10x points per dollar spent at restaurants worldwide and through Shop Small, up to $25,000 in purchases. This offer is for new cardholders only and is only offered for the first 6 months of card membership, then 1 point per dollar spent.

Redemption Options

Earning points and miles is exciting, but the real fun happens at redemption time. Regardless of which card you select, you’ll have several opportunities to redeem your rewards for travel and more.

Let’s look at the redemption possibilities with these 2 cards:

Redemption OptionsAmex Platinum CardDelta Platinum Card
Flights and Flight Upgrades
Transfer Points to Airline/Hotel Partners
  • SkyMiles cannot be transferred to hotel programs or to other airlines
  • Redeem SkyMiles for Delta Vacations, which can include hotels, and to purchase award tickets with SkyTeam airline partners
Additional Redemption Options
  • Redeem for travel on Amex Travel, statement credits, gift cards, merchandise, Amazon, Ticketmaster, donate points
  • Sky Club membership, premium Sky Club drinks, merchandise, gift cards, magazines, charitable contribution

Hot Tip: You can redeem Membership Rewards points earned on the Amex Platinum card to book Delta flights via Amex Travel and earn SkyMiles when you fly. You can also transfer Membership Rewards points to Delta and book award flights directly.

Delta Air Lines Benefits

Flying on Delta Air Lines
Both of our featured cards offer Delta benefits. Image Credit: Delta

It’s natural to assume the Delta Platinum card would come with Delta-related benefits, but you’ll also find that the Amex Platinum card delivers its share of Delta-centric benefits.

Here are the Delta-related benefits that come with each of our featured cards:

Amex Platinum CardDelta Platinum Card
  • Receive Delta Sky Club access when flying same-day on Delta
  • Transfer Membership Rewards points to Delta at a 1:1 ratio
  • Earn Delta SkyMiles and 5x Membership Rewards points per dollar spent when purchasing directly with Delta or via Amex Travel
  • Upgrade Delta flights with points (must select Delta as your designated airline before requesting upgrade)
  • Free checked bag and priority boarding on Delta for cardmember and up to 8 traveling companions
  • Domestic companion flight certificate each year; taxes and fees cannot exceed $75
  • Discounted Sky Club access ($39 vs. $59 per visit)
  • 20% statement credit for qualifying inflight purchases
  • Spend $25,000 on the card and receive 10,000 MQM elite qualifying miles toward Medallion status up to 2 times each calendar year

Bottom Line: If you’re a Delta Medallion elite member and already have access to some of the perks and benefits that would be offered on the Delta Platinum card, you may want to consider the additional premium travel benefits and Delta-centric benefits offered by having the Amex Platinum card.

Additional Benefits

The Amex Platinum card kills it when it comes to dishing out statement credits for specific purchases. However, the number of benefits you can actually utilize will determine whether the card delivers enough value for you.

Let’s take a look at some of the key offers that come with each of our cards.

Amex Platinum Card

You’ll find that the Amex Platinum card seizes every opportunity to offer a long list of discounts, statement credits, and ancillary benefits.

Let’s review some of those benefits found on the card. Note that some benefits require enrollment so be sure to check your American Express account to get the most out of your card.

  • Up to $200 Hotel Credit — Book a prepaid stay via Amex Travel at a Fine Hotels & Resorts or The Hotel Collection property and receive a statement credit of up to $200 each year.
  • Up to $240 Digital Entertainment Credit — Receive up to $20 each month, up to $240 each year, for qualifying purchases made with Peacock, Audible, SiriusXM, and The New York Times.
  • Up to $300 Equinox Credit — Receive up to $25 each month when using your card for Equinox access, qualifying monthly memberships, or SoulCycle bike purchases.
  • Cell Phone Protection — Receive up to $800 to repair or replace your damaged or stolen phone. A $50 deductible applies, and there’s a limit of 2 claims per 12-month period.
  • Up to $200 in Uber Cash — Link your Amex Platinum card to your Uber account and receive $15 each month credited to your Uber Cash account from January through November. In December you’ll receive $35 in Uber Cash. Uber Cash credits can be used for Uber rides in the U.S. and Uber Eats.
  • Up to $200 Airline Incidental Credit — Select your preferred airline and receive statement credits, up to $200 each year, for eligible charges (separate from airfare itself) such as checked baggage fees.
  • Monthly Walmart+ Credit — Sign up for Walmart +, add your Amex Platinum card for payment, and receive a statement credit for the membership fee, up to $12.95 each month.

Delta Platinum Card

You’ll find fewer benefits on the Delta Platinum card, but keep in mind that the card’s annual fee is much lower. We’ll touch on that shortly, but here’s an additional benefit offered on the Delta Platinum card:

  • Cell Phone Protection — Receive up to $800 in cell phone protection for damage or theft. There’s a $50 deductible per claim, a limit of 2 claims per year, and your monthly bill must be paid with your card.

Annual Fees and Authorized Users

Annual Fees

The Amex Platinum card currently charges an annual fee of $695 and the Delta Platinum card charges $250.

Adding Authorized Users

The Amex Platinum card charges $175 to add up to 3 additional users and for each additional user (see rates and fees). The Delta Platinum card does not charge for additional users (see rates and fees).

To learn more about the value of adding authorized users to your Amex Platinum card, we’ve provided a list of several benefits in our related article.

Bottom Line: While the Amex Platinum card has a higher annual fee and charges for adding authorized users, the card offers a broader collection of benefits than the Delta Platinum card.

Travel Benefits and Protections

Clear kiosk with mask
Travel benefits can save you money, make travel more comfortable, or provide protection when you need it. Image Credit: CLEAR

Both the Amex Platinum card and Delta Platinum card offer these travel benefits and protections:

  • Secondary Car Rental Insurance — Pay for your entire rental with your eligible card, decline the rental agency’s CDW/LDW coverage, and receive secondary coverage for damage and theft. Secondary coverage means that you must file a claim with any other applicable insurance first before card coverage kicks in. Cardmembers also have the option to purchase Premium Protection for a flat fee that covers the entire rental period.
  • CLEAR Benefits — Pay for your CLEAR membership with your Amex Platinum card and receive a statement credit for up to $179. The Delta Platinum card offers discounted CLEAR membership for $109 each year, versus $179.
  • Trip Delay Insurance — If your trip is delayed 6 hours or more for a covered reason, you could receive up to $500 per trip with the Amex Platinum card or up to $300 per trip for covered delays of 12 hours or more with the Delta Platinum card. Each card has a limit of 2 claims per eligible card per 12-month period.
  • Baggage Insurance — Receive up to $2,000 for checked baggage and $3,000 for carry-on baggage per person, per covered trip, with the Amex Platinum card. The Delta Platinum card has coverage limits of up to $500 for checked baggage and $1,250 for carry-on luggage, per person, per covered trip.

Amex Platinum Card

In addition to the above benefits offered on both of our featured cards, the Amex Platinum card has these additional travel benefits.

To learn more about the travel insurance benefits that come with the Amex Platinum card, check out our article on this specific topic.

Shopping Benefits and Protections

Both of our featured cards offer several shopping benefits and protections that can save you money, provide increased earnings, or deliver a statement credit for specific purchases.

Here are some of the shopping benefits and protections you can expect on both cards:

  • Amex Offers — Log in to your online American Express card account, scroll down your home page, and access Amex Offers that can save you money or offer accelerated earnings on specific purchases.
  • Extended Warranty — For eligible items purchased with your card, manufacturers’ warranties of 5 years or less will be extended for 1 additional year.
  • Purchase Protection — Purchase eligible items with your card and receive coverage for theft and damage for 90 days from the date of purchase for up to $1,000 on the Delta Platinum card and up to $10,000 on the Amex Platinum card. Both cards have a maximum of $50,000 per eligible card.
  • ShopRunner Membership — Enjoy free 2-day shipping, plus special discounts with dozens of merchants.
  • Amex Auto Purchasing Program — Receive preferred pricing with local dealerships, the ability to charge at least $2,000 toward a new car purchase, and up to $2,000 in after-sale benefits.

Amex Platinum Card

In addition to the above, the Amex Platinum card offers hundreds of dollars in statement credits for specific purchases:

  • Saks Fifth Avenue Statement Credit — Receive up to $100 each year in the form of statement credits for purchases at Saks Fifth Avenue. You’ll receive up to $50 for January through June and an additional $50 for July through December.
  • Return Protection — If a merchant will not accept a return within 90 days of the purchase date of an eligible item purchased with your card, you could receive up to $300 per item (a maximum of $1,000 per calendar year).

Amex Platinum Card vs. Delta Platinum Card — Summary

We’ve covered a lot of information on these cards. We know it can be overwhelming, so we’ve prepared a summary so you can easily review the attributes of both featured cards side-by-side.

In a nutshell, here’s how the cards compare overall:

BenefitAmex Platinum CardDelta Platinum Card
Earning
  • 5x points on flights and prepaid hotels purchased directly with the airlines or on Amex Travel
  • 1x point per dollar spent on all other purchases
  • 3x miles on Delta purchases and on hotels
  • 2x miles at restaurants and U.S. supermarkets
  • 1x mile per dollar spent on all other purchases
Redemption Options
  • Redeem Membership Rewards points for flights via Amex Travel
  • Flight upgrades with selected airline
  • Redeem for travel on Amex Travel, statement credits, gift cards, merchandise, Amazon, Ticketmaster, donate points
  • Redeem miles for flights with Delta and SkyTeam member airlines
  • Redeem for Delta Vacations, Sky Club membership, Sky Club drinks, merchandise, gift cards, magazines, charitable contribution
Delta Air Lines Benefits
  • Delta Sky Club access when flying same-day on Delta
  • Membership Rewards points transfer 1:1 to Delta Air Lines
  • Use Membership Rewards points to book Delta flights via Amex Travel
  • Earn 5x points for booking flights with Delta directly or via Amex Travel
  • Earn Delta SkyMiles on paid or Pay with Miles flights
  • Free checked bag and priority boarding on Delta flights
  • Annual round-trip domestic companion flight certificate
  • Discounted Sky Club membership
  • 20% statement credit for eligible inflight purchases
  • Faster path to Delta Medallion elite status: spend $25,000 to earn 10,000 elite qualifying miles, up to 2 times per year
Travel Benefits and Protections
  • Worldwide access to over 1,300 airport lounges
  • Gold elite status with Marriott Bonvoy and Hilton Honors (upon enrollment)
  • Up to $200 hotel credit for Fine Hotels & Resorts or The Hotel Collection (terms apply)
  • Car rental program perks/benefits
  • Up to $200 in statement credits each year for airline incidentals
  • CLEAR membership reimbursement, up to $179
  • Global Entry/TSA PreCheck fee reimbursement
  • Up to $200 in Uber Cash each year
  • Secondary car rental insurance with the option to purchase Premium Protection for a flat fee that covers the entire rental period
  • Trip cancellation and interruption insurance
  • Trip delay insurance, up to $500 per trip for covered delays 6 hours or more
  • Baggage insurance, up to $3,000 per person, per covered trip
  • Emergency evacuation
  • No foreign transaction fees
  • Discounted CLEAR membership at $109 versus $179
  • Global Entry/TSA PreCheck fee reimbursement
  • Secondary car rental insurance with the option to purchase Premium Protection for a flat fee that covers the entire rental period
  • Trip delay insurance, up to $300 per trip for covered delays 12 hours or more
  • Baggage insurance, up to $1,250 per person, per covered trip
  • No foreign transaction fees
Shopping Benefits and Protections
  • Amex Offers, extended warranty, purchase protection (up to $10,000 per item), Amex Auto Purchasing Program, ShopRunner membership, cell phone protection
  • Return protection
  • Up to $240 digital entertainment credit
  • Up to $300 in Equinox credits
  • Up to $100 each year in statement credits for Saks Fifth Avenue purchases
  • Up to $12.95 per month in statement credits for Walmart+ membership
  • Amex Offers, extended warranty, purchase protection (up to $1,000 per item), Amex Auto Purchasing Program, ShopRunner membership, cell phone protection

Note that terms and conditions apply to all benefits and protections. Some benefits require registration, have minimum purchase requirements, or require you to add your eligible card to an associated merchant account for payment (such as Uber, etc.).

Additionally, this is not an all-encompassing list of every benefit available on these 2 cards, only a summary of core benefits. You’ll want to access each card’s Guide to Benefits for a full description and the terms and conditions for each benefit or protection.

Final Thoughts

If you’re a frequent Delta flyer (especially if you have elite status) who appreciates premium travel benefits, the Amex Platinum card deserves your consideration. Whether or not it makes sense for you will depend on how many of its benefits you can actually use.

The Delta Platinum card with its $250 annual fee could easily have enough value for the Delta frequent flyer with just its free checked bags and the annual companion ticket certificate.

Finding value with the Amex Platinum card involves a closer look. You’ll need to look at each benefit and determine which ones add enough value for you. For example, if you find value in Priority Pass Select membership, enjoy access to premium Centurion Lounges when traveling, and expect to use the airline incidental credit and CLEAR credit, you’ve covered the annual fee. Any additional statement credits received for specific purchases would just add more value.


For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.


Frequently asked questions

Is the Amex Platinum the same as the Delta Platinum

No. While both cards are issued by American Express, the Amex Platinum card is a premium travel rewards card that earns Membership Rewards points, while the Delta Platinum card is a co-branded airline credit card that earns Delta SkyMiles.

The Amex Platinum card comes with a long list of premium travel and shopping benefits/protections. The Delta Platinum card comes with benefits that are more Delta Air Lines-centric such as a free checked bag, priority boarding on Delta flights, and a faster path to Delta Medallion elite status by spending on the card.

Does the Delta Platinum card have lounge access?

The Delta Platinum card does not come with complimentary Delta Sky Club access. However, the card does offer discounted access at $29 versus $59 for a day pass.

Can I transfer SkyMiles to other airlines?

While you cannot transfer Delta SkyMiles to other airlines, you are able to redeem miles for flights with partner airlines that are members of the SkyTeam alliance.

Is the Amex Platinum card worth it?

Yes, the card is worth it if you’re a frequent traveler and value premium benefits such as worldwide lounge access, complimentary hotel elite status, hundreds of dollars in statement credits for specific purchases, and the ability to redeem points by transferring to hotel and airline partners.

The card comes with a very long list of benefits that can provide value far beyond the cost of the annual fee if you can utilize those benefits.

Christine Krzyszton

About Christine Krzyszton

Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

Urgent Report:

How to Beat the Crowds & Lock In Affordable Travel While You Still Can...

With lockdowns ending, the demand for travel is surging to record levels - and so are prices.

We’ll show you the strategies and tools to unlock huge savings, but that window is closing fast - so you need to get on this right now.

Download our last-chance playbook here:

We respect your privacy. Please view our privacy policy here.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

Any thoughts or questions? Comment below!

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. Click here to see a list of advertisers that we work with.