Delta SkyMiles Platinum Amex: Fly Delta More

Select your profession

Salaried

Business

Doctor

NRI

School

College

Student

Enter Pincode

Personal Details

Features of the Delta SkyMiles® Platinum American Express Card

Rewards Earning Structure: The Delta SkyMiles® Platinum American Express Card provides a tiered rewards structure that incentivizes spending in specific categories, making it particularly appealing for Delta loyalists and frequent travelers. Cardholders earn:
- 3X Miles on Delta Purchases and Hotels: You earn 3 miles per dollar spent on eligible purchases made directly with Delta Air Lines, including flights and Delta Vacations® packages, as well as purchases made directly with hotels worldwide. This high earning rate is ideal for those who frequently fly Delta or book hotel stays, maximizing rewards on travel-related expenses.
- 2X Miles at Restaurants and U.S. Supermarkets: The card offers 2 miles per dollar spent at restaurants worldwide (including takeout and delivery in the U.S.) and at U.S. supermarkets. This feature caters to everyday spending, allowing cardholders to accumulate miles on dining and grocery purchases.
- 1X Miles on All Other Purchases: For all other eligible purchases, you earn 1 mile per dollar spent, ensuring that every transaction contributes to your SkyMiles balance.
This structure is designed to reward both travel-specific and everyday spending, making it versatile for a wide range of cardholders. The miles earned are part of Delta’s SkyMiles program, which can be redeemed for flights, upgrades, and other travel-related benefits, with an estimated value of 1.2 cents per mile based on industry valuations.

- Welcome Bonus Offer: New cardholders can take advantage of a substantial welcome bonus, which significantly boosts their SkyMiles balance. As of the latest offers, you can earn 60,000 Bonus Miles after spending $3,000 in eligible purchases within the first six months of card membership. This bonus, valued at approximately $720 based on The Points Guy’s February 2025 valuations, provides a strong incentive for new users to meet the spending threshold. However, eligibility for this bonus may be restricted if you currently hold or have previously held the Delta SkyMiles® Platinum American Express Card or other Delta-branded Amex cards, due to American Express’s once-per-lifetime welcome bonus policy.
- Annual Companion Certificate: One of the standout features of the card is the Annual Companion Certificate, provided each year upon card renewal. This certificate allows you to bring a companion on a Main Cabin round-trip flight within the U.S., Mexico, the Caribbean, or Central America, with only government-imposed taxes and fees (ranging from $22 to $250 for itineraries with up to four flight segments) required for the companion’s ticket. This feature can offer significant savings, especially for expensive routes, potentially offsetting the card’s annual fee. The certificate is valid for travel in the Main Cabin and is issued after the card’s anniversary, meaning it’s not available in the first year of card membership.
- Medallion Qualification Dollars (MQD) Benefits:
- MQD Headstart: Cardholders receive 2,500 Medallion Qualification Dollars (MQDs) at the beginning of each Medallion Qualification Year, providing a significant jumpstart toward achieving elite status, such as Silver Medallion, which requires 5,000 MQDs.
- MQD Boost: You earn $1 MQD for every $20 spent on the card in a calendar year, allowing everyday purchases to contribute to elite status qualification.
- Travel Credits and Statement Credits:
- Up to $150 Delta Stays Credit: Cardholders receive up to $150 annually in statement credits for prepaid hotel or vacation rental bookings made through Delta Stays on delta.com.
- Up to $120 Resy Credit: You can earn up to $10 per month (totaling $120 annually) in statement credits for eligible purchases at U.S. Resy-affiliated restaurants. Enrollment is required.
- Up to $120 Rideshare Credit: The card offers up to $10 per month (totaling $120 annually) in statement credits for U.S. rideshare purchases with select providers, such as Uber or Lyft, after enrollment.
- Travel Benefits and Protections:
- Free First Checked Bag: Cardholders and up to eight companions on the same Delta reservation receive their first checked bag free, saving up to $70 per person per round-trip flight.
- Zone 5 Priority Boarding: Cardholders enjoy Zone 5 Priority Boarding on Delta flights, allowing earlier boarding to secure overhead bin space and settle in comfortably.
- Complimentary Upgrades: Non-Medallion cardholders with an eligible ticket are added to the Complimentary Upgrade list for Delta One (within the U.S.), First Class, and Delta Comfort+ seats after Medallion Members.
- Global Entry/TSA PreCheck Credit: Up to $120 every 4 years for Global Entry or $85 every 4.5 years for TSA PreCheck when charged to the card.
- No Foreign Transaction Fees: Make purchases abroad without extra charges, ideal for international travelers.
- Trip Delay Insurance: Up to $300 per trip for delays over 12 hours, max two claims per 12-month period.
- Car Rental Loss and Damage Insurance: Secondary coverage for eligible rental car incidents.
- Baggage Insurance: Protection for lost, damaged, or stolen baggage on eligible trips.
- Global Assist Hotline: 24/7 emergency assistance for travel 100+ miles from home.
- Hertz Five Star Status: Cardholders receive Hertz Five Star Status upon enrolling in the Hertz Gold Plus Rewards program and linking their SkyMiles account. This status often provides car rental upgrades and a better rental experience.
- Award Travel Discount: Cardholders save 15% on award redemptions for Delta flights when booking through delta.com or the Fly Delta app and paying taxes and fees with the card. This does not apply to partner-operated flights.
- In-Flight Savings: Receive a 20% statement credit on eligible Delta in-flight purchases, such as food, beverages, and audio headsets, excluding wireless internet.
- Digital Tools and Account Management:
- American Express App: Track spending, manage payments, and get real-time fraud alerts.
- Amex Offers: Get additional rewards or credits with exclusive brand offers.
- 24/7 Customer Support: Chat with Amex support any time for quick help.
- Annual Fee and Additional Cardholders: The card carries a $350 annual fee, which is not waived in the first year. Additional cardholders can be added for $175 annually, and their purchases earn miles at the same rates, contributing to the primary cardholder’s SkyMiles account.

Benefits of the Delta SkyMiles® Platinum American Express Card

1. Enhanced Travel Savings:
- Annual Companion Certificate: Receive a Companion Certificate each year upon card renewal, allowing a companion to fly with you on a Main Cabin round-trip flight within the U.S., Mexico, the Caribbean, or Central America. Only pay taxes and fees (from $22 to $250), which can lead to substantial savings on travel.
- Free First Checked Bag: Cardholders and up to eight travel companions on the same Delta reservation enjoy a free first checked bag, saving up to $70 per person per round-trip. A family of four can save up to $280 per trip.
- 15% Award Travel Discount: Book award flights through delta.com or the Fly Delta app and get a 15% discount on SkyMiles redemptions. For example, a 20,000-mile ticket would cost just 17,000 miles.
- 20% In-Flight Purchase Credit: Get 20% back as a statement credit on eligible Delta in-flight purchases such as food, beverages, and audio headsets (Wi-Fi not included).

- Statement Credits for Everyday and Travel Expenses: The card offers multiple statement credits that provide financial relief for both travel and lifestyle expenses, requiring enrollment for select benefits:
- Up to $150 Delta Stays Credit: Earn annually for prepaid hotel or vacation rental bookings through Delta Stays on delta.com.
- Up to $120 Resy Credit: Earn up to $10 per month at U.S. Resy-affiliated restaurants with enrollment.
- Up to $120 Rideshare Credit: Earn up to $10 per month for eligible rideshare purchases like Uber or Lyft.
- Global Entry/TSA PreCheck Credit: Get up to $120 every 4 years for Global Entry or $85 every 4.5 years for TSA PreCheck.
- Support for Delta Medallion Status:
- MQD Headstart: Get 2,500 MQDs each Medallion Qualification Year, helping you reach Silver status faster.
- MQD Boost: Earn $1 MQD for every $20 spent, allowing everyday purchases to contribute toward elite status.
- Enhanced Travel Experience:
- Zone 5 Priority Boarding: Board early and access overhead bin space more easily on all Delta flights.
- Complimentary Upgrades: Eligible ticket holders get access to upgrades like Delta One, First Class, and Comfort+ after Medallion members.
- Hertz Five Star Status: Enjoy benefits like vehicle upgrades when you enroll and link your SkyMiles account.
- No Foreign Transaction Fees: Make purchases abroad without extra charges, ideal for international travelers.
- Travel Protections and Assistance:
- Trip Delay Insurance: Up to $300 per trip for delays over 12 hours (max two claims per year).
- Car Rental Loss and Damage Insurance: Secondary coverage for eligible rental car incidents.
- Baggage Insurance: Protection for lost, damaged, or stolen baggage on eligible trips.
- Global Assist Hotline: 24/7 emergency assistance for travel 100+ miles from home.
- Digital and Account Management Tools:
- American Express App: Track spending, manage payments, and get real-time fraud alerts.
- Amex Offers: Get additional rewards or credits with exclusive brand offers.
- 24/7 Customer Support: Chat with Amex support any time for quick help.
- Limitations and Considerations:
- No Delta Sky Club Access: Lounge access is not included, but single-visit passes are available for $50.
- High Annual Fee: The $350 fee requires full use of credits and perks like the Companion Certificate to offset the cost.
- Welcome Bonus Restrictions: The one-time welcome bonus policy means you may not qualify if you’ve held the card before.

How to Apply for the Delta SkyMiles® Platinum American Express Card

Understanding the Application Process
- The application is handled by American Express and can be completed online, by phone, or via mail—online is the most efficient method.
- You’ll need to provide personal and financial information, review terms, and submit your application for approval.
- Use the Amex pre-qualification tool to check your eligibility without affecting your credit score.
Pre-Qualification with American Express
- Access the Tool: Visit the American Express or Delta Air Lines website and navigate to the Platinum card section to find the “Check for Pre-Qualified Offers” or “CardMatch Tool.”
- Enter Basic Information: Submit details like your name, address, and last four digits of your SSN. This uses a soft credit pull, so your score won’t be affected.
- Review Personalized Offers: You may be eligible for elevated welcome bonuses (e.g., 70,000 miles). Note: Pre-qualification doesn't guarantee approval.
Steps to Apply Online
- Visit the Official Card Page: Locate the Delta SkyMiles® Platinum American Express Card and click “Apply Now.” Make sure you're not on the Gold or Reserve card page by mistake.
- Provide Personal Information: Enter your full legal name, SSN, address, date of birth, contact info, and employment status.
- Enter Financial Details: Include your annual income, housing expenses, and any other requested financial data.
- Review Welcome Offer and Terms: Offers typically include 60,000 miles after $3,000 in purchases in 6 months. Check for updated offers, the $350 annual fee, and other terms.
- Submit Application: Review all fields and submit your application. American Express will perform a hard credit inquiry at this stage.
Post-Application Steps
- Approval Status: Some applicants receive instant decisions. Others may need to provide income proof or await a decision within 7–10 days.
- Card Delivery and Activation: Approved applicants receive the card in 7–14 days. Activate it online or via the Amex app. A digital card may be available for immediate use.
- Welcome Bonus Requirements: Spend $3,000 in 6 months to earn the bonus. Qualifying purchases include travel, dining, groceries, and everyday spending.
- Activate Additional Benefits: Log in to your Amex account to enable perks like free checked bags, priority boarding, and car rental coverage.
Tips to Improve Approval Chances
- Maintain a Strong Credit Score: Aim for a FICO score of 670 or higher. Use free tools like Credit Karma or Experian to check.
- Lower Debt-to-Income Ratio: Pay off high-interest debt to boost your creditworthiness.
- Have a Stable Income: Consistent income helps improve your approval odds. Be ready to submit proof if self-employed.
- Space Out Credit Applications: Avoid applying for multiple cards at once—wait at least 3–6 months between applications.
- Check for Targeted Offers: Log into your Amex or Delta SkyMiles account to see if you qualify for better welcome offers.
Common Pitfalls to Avoid
- Welcome Bonus Ineligibility: Amex enforces a once-per-lifetime rule on bonuses. Check your card history before applying.

Eligibility Criteria for the Delta SkyMiles® Platinum American Express Card

Age Requirement: Applicants must be at least 18 years old. Some states require proof of independent income for applicants under 21.
U.S. Residency: Only U.S. residents and residents of U.S. territories like Puerto Rico or the U.S. Virgin Islands are eligible. A valid U.S. address is required.
Social Security Number or ITIN: A valid SSN or ITIN is necessary for identity verification and compliance with credit reporting regulations.
Creditworthiness

Recommended Credit Score: A FICO score of 670–850 is typically required. Applicants with scores above 740 (excellent credit) have higher approval chances and better terms.
Credit History: A strong history of on-time payments, low credit utilization, and no recent bankruptcies or derogatory marks improves eligibility.
Credit Inquiries: Limit hard inquiries before applying. Multiple recent applications may reduce approval odds.

Income and Financial Stability: While there’s no official minimum income, stable income of $50,000+ annually is favorable. Applicants must show the ability to handle the credit limit and annual fee.
Debt-to-Income Ratio: A DTI below 36% is preferred. Lower ratios indicate stronger financial health and boost approval chances.
Employment Status: Full-time, part-time, and self-employed individuals are eligible. Applicants with consistent or alternative income sources (e.g., investments, retirement) may also qualify.
American Express Card Limits: Amex generally allows up to 5 personal/business credit cards (not including charge cards). Existing cardholders should consider this when applying.
Application Frequency: Amex restricts users to 2 credit card applications within 90 days. Submitting more than that may trigger automatic denial.
Welcome Bonus Eligibility: The Platinum Card offer is once-per-lifetime. You may not qualify if you've previously held this card or earned its bonus.
Delta SkyMiles Membership: A free SkyMiles account is required to link travel rewards. If you don’t have one, you can create it during the application process.
No Recent Bankruptcies or Delinquencies: Applicants with recent or unresolved bankruptcies, especially with Amex, are typically denied.
Credit Freeze: Lift any credit freezes from all major credit bureaus before applying.
Improve Credit Profile:
- Reduce revolving balances to maintain credit utilization under 30%.
- Check and correct credit report errors via AnnualCreditReport.com.
- Wait a few months after opening new accounts before applying for this card.
Use Amex Pre-Qualification Tool: Use the official American Express website tool to check eligibility without affecting your credit score.
Special Groups:
- Frequent Delta Travelers: This card is most valuable for those who fly Delta regularly to benefit from perks like free checked bags and Companion Certificate.
- Military Members: Active-duty service members may qualify for annual fee waivers under the SCRA—contact Amex to apply.
- Business Owners: Consider the Delta SkyMiles® Platinum Business Card if you want to earn on business expenses.

Documents Required for the Delta SkyMiles® Platinum American Express Card

Standard Documents for Online Application:
- Personal Information:
  - Full Legal Name: As it appears on government-issued ID.
  - Social Security Number (SSN): Used for credit checks and identity verification. Non-residents with ITINs may be ineligible.
  - Date of Birth: To confirm you're at least 18 years old.
  - Contact Details: Home address, email, and phone number.
- Financial Information:
  - Annual Income: Self-reported income from all sources. Usually no documents required initially.
  - Employment Status: Employment type selection (e.g., full-time, self-employed).
  - Monthly Housing Costs: Rent or mortgage amount used to assess debt-to-income ratio.
Additional Documents for Verification (If Requested):
- Proof of Identity:
  - Government-Issued Photo ID: Driver’s license, passport, or state ID.
  - Social Security Card: Rarely required, but may be requested for identity verification.
- Proof of Address:
  - Utility Bill, Bank Statement, or Lease Agreement: Dated within the last 60 days and showing your name and current address.
- Proof of Income:
  - Pay Stubs: Typically from the last two months.
  - Tax Returns: Recent filings (e.g., Form 1040) for self-employed or multiple income sources.
  - Bank Statements: Showing regular income deposits.
  - W-2 or 1099 Forms: For verifying employment or contract-based income.
- Proof of Employment:
  - Employment Verification Letter: Outlining job title, salary, and employment status.
  - Business Documentation: For self-employed applicants (licenses, EIN, contracts).
- Credit Report Clarifications:
  - Account Statements or Dispute Letters: If inconsistencies appear on your credit report.
Scenarios That May Require Additional Documents:
- Pending or Delayed Applications
- Requests for High Credit Limits
- Potential Fraud or Identity Verification Concerns
- Irregular or Self-Employment Income
- Military Fee Waiver Requests (e.g., SCRA): Requires proof of active-duty status.
How to Submit Documents:
- Online Upload: Via secure American Express portal or your account dashboard.
- Email or Fax: Per Amex instructions (ensure sensitive data is redacted).
- Mail: Rare, but possible. Use certified mail for tracking.
- Processing Time: Usually 2–5 business days after document submission.
Tips for Document Preparation:
- Keep Digital Copies: Use clear PDF, JPEG, or PNG formats.
- Ensure Accuracy: Information on documents must match your application.
- Redact Sensitive Information: Hide unnecessary personal details unless requested.
- Prepare Ahead: Have documents ready before applying, especially if self-employed.
- Save Records: Keep copies of all submitted files and related communications.
Documents Not Typically Required:
- Credit Reports: Pulled directly by Amex.
- Bank Account Details: Unless applying for related services.
- Personal References: Not required.
- Foreign Identification or Tax Returns: Ineligible for non-U.S. residents.

Factors to Consider for the Delta SkyMiles® Platinum American Express Card

Annual Fee Consideration: Comes with a $350 annual fee (not waived first year). Must use benefits like the Companion Certificate, Delta Stays credit, Resy credit, and rideshare credit to justify the cost.
Benefit Value Offset: Using the Companion Certificate (worth up to $500) plus up to $390 in annual credits can deliver total value exceeding $750 annually—well above the fee.
Delta Travel Frequency: Best for frequent Delta flyers (3–4+ trips/year). Occasional travelers may struggle to maximize perks tied to Delta flights.
Companion Certificate Usage: Valuable if traveling with a companion. Solo travelers may find less utility unless maximizing other perks consistently.
Rewards Structure: Earn 3X miles on Delta and hotel purchases, 2X on restaurants and U.S. supermarkets, 1X on all other purchases—competitive for Delta loyalists.
Medallion Status Pursuit: Offers a 2,500 MQD Headstart and $1 MQD per $20 spent—ideal for travelers working toward elite status with Delta.
SkyMiles Value: Miles typically worth ~1.2¢ each. Value varies due to Delta’s dynamic pricing model. Companion Certificate and 15% award travel discount enhance value for flights.
Lounge Access Limitation: No complimentary Delta Sky Club access. Must pay $50 per visit. Frequent lounge users may prefer the Reserve card.
Credits and Enrollment: Annual credits ($150 Delta Stays, $120 Resy, $120 rideshare) require enrollment and proper usage—ensure you’ll use them to maximize value.
Credit Score Requirements: A FICO score of 670+ is recommended. 740+ increases approval chances and may qualify for better terms.
Debt Management: APR ranges from ~20.24% to 29.24%. Not suitable for carrying a balance—pay in full monthly to avoid interest.
Spending Habits Fit: Ideal if you spend significantly in bonus categories. Otherwise, general-purpose travel cards may offer better returns.
Comparison with Gold and Reserve: More premium than the Gold Card (with perks like Companion Certificate and MQD help), but less luxurious than the Reserve Card (which includes Sky Club access).
Alternative Travel Cards: If you're not loyal to Delta, cards like the Chase Sapphire Preferred or Amex Gold (transferable points) may offer more flexibility and value.
Geographical Considerations: Best suited for travelers near Delta hubs (e.g., ATL, JFK, LAX). If you fly Delta infrequently or live in non-hub regions, value diminishes.
Long-Term Card Strategy: Value increases over time with recurring use of Companion Certificate and status-building perks. If not fully used, consider downgrading after the first year.
Redemption Limitations: SkyMiles can't be transferred to other programs. They must be used within Delta’s system—for flights, upgrades, vacation packages, etc.
International Travel Use: No foreign transaction fees and 2X on restaurants make it suitable for global travelers, but benefits are Delta-centric.
Spending for MQDs: Requires $50,000 annual spend for 2,500 extra MQDs. This favors high-spending travelers aiming for Medallion Status.
Welcome Bonus Opportunity: Frequently offers a sizable welcome bonus (e.g., 50,000–90,000 SkyMiles) after meeting a minimum spend in the first 3 months—can offset the first year’s fee if timed well.
Upgrade Priority: Cardholders may receive priority for complimentary upgrades on Delta flights, especially if they hold Medallion Status.
First Checked Bag Free: Saves $35 per person per flight segment—valuable for families or frequent flyers who check bags often.
Main Cabin 1 Boarding: Allows early boarding, giving travelers extra time for overhead space and settling in—particularly useful on crowded flights.
Amex Offers Program: Access to targeted discounts and cash-back offers across retail, travel, dining, and more—can add hundreds in yearly value if utilized.
Plan It® Feature: Lets you split large purchases into fixed monthly payments with a set fee—helpful for budgeting, though not ideal for those avoiding fees.
Trip Protections: Includes trip delay and baggage insurance—helps reduce out-of-pocket costs during travel disruptions, adding peace of mind.

Frequently Asked Questions (FAQs) – Delta SkyMiles® Platinum American Express Card

1. What is the Delta SkyMiles® Platinum American Express Card?

The Delta SkyMiles® Platinum American Express Card is a travel rewards credit card designed for frequent Delta Air Lines travelers. It offers valuable benefits like bonus miles, priority boarding, and opportunities to earn Medallion Qualification Dollars (MQDs) to help you reach elite status with Delta.

2. How do I earn SkyMiles with this card?

You earn 3X miles on Delta purchases, 2X miles at restaurants and U.S. supermarkets, and 1X mile on all other eligible purchases. Miles can be redeemed for flights, upgrades, and more through the Delta SkyMiles program.

3. Is there a welcome bonus for new cardholders?

Yes, new cardholders typically receive a generous welcome offer after meeting a minimum spending requirement within the first few months. The bonus amount may vary, so check the American Express website for current details.

4. Does the card have an annual fee?

Yes, the Delta SkyMiles® Platinum American Express Card has an annual fee of $350 (as of 2025). This fee is offset by the card’s valuable travel perks and SkyMiles earning potential.

5. What travel benefits come with the card?

Cardholders enjoy Main Cabin 1 priority boarding, a free first checked bag for themselves and up to eight companions on the same reservation, and 20% back on in-flight purchases as a statement credit.

6. What is the Companion Certificate, and how does it work?

Upon card renewal each year, you receive a Domestic Main Cabin Companion Certificate, allowing a companion to fly round-trip within the U.S. for just taxes and fees (typically under $80). Restrictions and blackout dates apply.

7. Can I use the card internationally?

Yes, the card can be used worldwide and has no foreign transaction fees, making it ideal for international travel.

8. How does the card help me earn Medallion Status with Delta?

You can earn $1 Medallion Qualification Dollar (MQD) for every $20 spent on eligible purchases with the card, helping you work toward Delta elite status.

9. Do SkyMiles expire?

No, Delta SkyMiles do not expire as long as your account remains open and in good standing.

10. Is there travel insurance or purchase protection included?

Yes, the card offers car rental loss and damage insurance, baggage insurance, trip delay coverage, and extended warranty on eligible purchases. Terms apply.

11. Does this card grant access to Delta Sky Clubs or airport lounges?

No, the card does not include complimentary Delta Sky Club access, but cardholders can purchase access at a discounted rate when flying with Delta. For free lounge access, consider the Delta SkyMiles® Reserve Amex Card.

12. Can I transfer SkyMiles to other loyalty programs?

No, SkyMiles are not transferable to other airline loyalty programs. However, they can be used to book flights with Delta and its SkyTeam alliance partners.

13. How can I check and manage my rewards?

You can manage your SkyMiles and card rewards by logging into your Delta SkyMiles and American Express accounts online or via their mobile apps.

14. What credit score is needed to qualify?

While approval is based on various factors, applicants typically need a FICO score of 670 or higher to be considered for this card.

15. How do I apply for the card?

You can apply online via the American Express website or through the Delta SkyMiles portal. The application process is quick, and most applicants receive a decision within minutes.

Create Account

Sign In

Welcome Back!

Hello, Friend!

Reset Password

Reset Your Password

Change Password

Update Your Password

Logintoloans Assistant