American Express Delta Skymiles Platinum Review 2026
You may be eligible for as high as 90,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be el
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Your card estimate
Net first-year value
First year
+$150
Rewards + bonus - fee - interest drag
Ongoing year
+$150
Excludes one-time welcome offer
SwitchWize take
Travel rewards card
Bonus value
See terms
Everyday rewards
1x miles
Up to 3x in some categories
Annual fee
$150
APR
19.74% to 28.74%
Quick summary
What this card is, in plain words
Delta Skymiles Platinum has a $150 annual fee and a variable purchase APR of 19.74% to 28.74%. It earns 1x miles on everything else, and more on 4 categories (the highest is 3x miles on delta purchases). It charges no foreign transaction fee.
What to consider
- The $150 annual fee is charged every year, so the rewards have to be worth more than that.
- The APR is 19.74% to 28.74% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
No standout advantages in the data we track.
- Annual fee: $150
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $150
- Foreign transaction fee
- None
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Delta purchases
3x miles
Hotels
3x miles
Dining
2x miles
Groceries
2x miles
Everything else
1x miles
Fee Reality
What the credits on this card are actually worth
This card advertises $390 in annual credits. We scored how hard each credit is to use: signing up, how often it resets, which stores it works at, and how you redeem it. We estimate a typical cardholder realizes about $167 (43%) of that value against a $350 annual fee.
Net estimated cost after credits: $184/yr
Our verdict: consider downgrading or canceling — realized value falls well short of the fee.
Confidence grade C — an estimate from our scoring model, not a survey. See how we worked this out.
Points value
What Delta SkyMiles points are actually worth
This card earns Delta SkyMiles, currently valued at 1.20¢/point based on a sourced editorial estimate — not a marketed "up to" number.
Marketed value. See the full Delta SkyMiles program page or the full valuation methodology.
Reality Score
What this card is really worth, by spend profile
Reality Score compares this card's advertised first-year value against what our model estimates a typical cardholder actually realizes in rewards and credits, net of the annual fee — not a marketing score.
High, diversified spender
A percentage would mislead here: the dollar amount is the number to read.
Frequent traveler
A percentage would mislead here: the dollar amount is the number to read.
Typical everyday spender
A percentage would mislead here: the dollar amount is the number to read.
Light everyday spender
Advertised $390/yr
Point value uses a marketed/editorial estimate — no observed or sourced redemption data exists for this program yet.
Reality Score is currently scored for a subset of cards, not the full catalog. See the Reality Score methodology for how this is calculated across spend profiles.
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- Baggage Insurance Plan (per trip)
- Car Rental Loss and Damage Insurance (per trip)
- Cell Phone Protection
- Extended Warranty
- Purchase Protection
- Trip Delay Insurance (per trip)
Perks and credits
- $120 Resy Credit (annual)
- $120 Rideshare Credit (annual)
- $150 Delta Stays Credit (annual)
- 20% Back On In-Flight Purchases (per trip)
- American Express Venue Collection (calendar year)
- Amex Special Ticket Access
- Companion Certificate (annual)
- Complimentary Upgrade List (per trip)
- Dispute Resolution
- First Bag Free
- First Checked Bag Free (per trip)
- Global Assist® Hotline
- Global Entry or TSA PreCheck Statement Credit
- Hertz Five Star® Status (cardmember year)
- MQD Boost (calendar year)
- MQD Headstart (cardmember year)
- No Foreign Transaction Fees
- Pay With Miles
- Second Bag Free
- Second Checked Bag Free on Domestic Flights (per trip)
- Send & Split
- TakeOff 15 Award Travel Discount
- Zone 5 Priority Boarding (per trip)
Offer history
How today's bonus compares
Welcome offer needs verification
See terms
Observed Recently
12-month best
See terms
0 tracked observations
Signal
At or near tracked best
Last history update Recently
Terms history
Has the fee or APR changed?
Since tracking began (Jun 21, 2026), annual fee decreased from $350 to $150; APR range moved from 19.49%–28.49% to 19.74%–28.74%. Tracked since Jun 21, 2026 across 14 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$150 annual fee
19.74%-28.74% variable
Verify spend requirement
American Express terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $150 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set
Other cards to compare first
citi
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chase
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affinity-fcu
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
- Not published by the issuer on its card page.
- How many cards you can open
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the Delta Skymiles Platinum?
The Delta Skymiles Platinum has a $150 annual fee, according to American Express's page checked Nov 13, 2026.
Does the Delta Skymiles Platinum charge foreign transaction fees?
No. American Express lists no foreign transaction fee for the Delta Skymiles Platinum.
How do I earn rewards with the Delta Skymiles Platinum?
3x miles on delta purchases; 3x miles on hotels; 2x miles on dining; 2x miles on groceries; 1x miles on everything else.
What is the APR on the Delta Skymiles Platinum?
The purchase APR is 19.74% to 28.74%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/ · checked Nov 13, 2026
Earning rates
https://www.americanexpress.com/us/credit-cards/ · checked Jun 21, 2026
We could not verify the balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Delta Skymiles Platinum worth it?
You may be eligible for as high as 90,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be el
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term