American Express Delta Skymiles Platinum

• Annual fee: $350
• APR range: not verified
• Foreign transaction fee: None

• $120 Resy Credit (annual)
• $120 Rideshare Credit (annual)
• $150 Delta Stays Credit (annual)
• 20% Back On In-Flight Purchases (other)
• American Express Venue Collection (calendar year)
• Amex Special Ticket Access (other)
• Baggage Insurance Plan (per trip)
• Car Rental Loss and Damage Insurance (other)
• Cell Phone Protection (other)
• Companion Certificate (annual)
• Complimentary Upgrade List (other)
• Dispute Resolution (other)
• Extended Warranty (other)
• Fee Credit for Global Entry or TSA PreCheck (other)
• First Bag Free (other)
• Global Assist Hotline (other)
• Hertz Five Star Status (other)
• MQD Boost (other)
• MQD Headstart (cardmember year)
• No Foreign Transaction Fees (other)
• Pay With Miles (other)
• Purchase Protection (other)
• Second Bag Free (other)
• Send & Split (other)
• Trip Delay Insurance (per trip)
• Zone 5 Priority Boarding (other)

Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.

The $350 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $167 of credit value actually realized by a typical cardholder, out of $390 of advertised face value.

Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.

Verified 2026-10-20 directly against the issuer's published terms: View American Express Bank's official terms page