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Delta SkyMiles Platinum American Express

American Express · Airline review

Reviewed by ClearValue Editorial Team · Schumer Box terms as of
Best for Delta flyers who take 4-8 round trips a
American Express
Worth considering

Delta SkyMiles Platinum American Express

75
/100
Annual fee
$350
Ongoing APR
20.99–29.99%
Foreign txn fee
None
Best for

Delta flyers who take 4-8 round trips a year and will use the annual Companion Certificate (Main Cabin domestic round-tr

Fees sourced from issuer terms · 2026-06-29

ClearValue score
75/100
Worth considering

Delta flyers who take 4-8 round trips a year and will use the annual Companion Certificate (Main Cabin domestic round-tr

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Sorted by score, never commission

Annual fee

$350

Charged each renewal year

Ongoing APR

20.99% – 29.99% variable

Variable — verify the current range at the issuer

Foreign transaction fee

None

Travel-friendly abroad

As of June 29, 2026

Best for

Delta flyers who take 4-8 round trips a year and will use the annual Companion Certificate (Main Cabin domestic round-trip for a partner) — at one transcontinental redemption a year, the cert clears the AF on its own.

Not for

Light Delta flyers who can't reliably use the Companion Cert within 12 months (cert is the load-bearing value, not the MQM boost) and travelers eyeing Reserve-tier Delta benefits — at that volume, the Reserve Card math overtakes Platinum.

The catch

The Companion Certificate excludes Comfort+, First, and Delta One — Main Cabin only. Account for the gap if you typically book higher classes. Also: blackout dates apply.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee
$350
Ongoing APR
20.99% – 29.99% variable
Foreign transaction fee
None
Late payment fee
Up to $40
Schumer Box verified
June 29, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate14 / 20
Fee structure13 / 20
Audience fit16 / 20
Transparency and trust15 / 20
Honest weakness named17 / 20
Total75 / 100 · Worth considering

Frequently asked

Is the Delta SkyMiles Platinum American Express's $350 annual fee worth it?

The Delta SkyMiles Platinum American Express charges a $350 annual fee. In our review it earns a fees score of 13/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Delta flyers who take 4-8 round trips a year and will use the annual Companion Certificate (Main Cabin domestic round-trip for a partner) — at one transcontinental redemption a year, the cert clears the AF on its own.

What APR does the Delta SkyMiles Platinum American Express charge?

20.99% – 29.99% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the Delta SkyMiles Platinum American Express charge foreign transaction fees?

No. The Delta SkyMiles Platinum American Express has no foreign transaction fee, so it works cleanly for purchases abroad.

Who is the Delta SkyMiles Platinum American Express best for?

Delta flyers who take 4-8 round trips a year and will use the annual Companion Certificate (Main Cabin domestic round-trip for a partner) — at one transcontinental redemption a year, the cert clears the AF on its own.

Who should skip the Delta SkyMiles Platinum American Express?

Light Delta flyers who can't reliably use the Companion Cert within 12 months (cert is the load-bearing value, not the MQM boost) and travelers eyeing Reserve-tier Delta benefits — at that volume, the Reserve Card math overtakes Platinum.

How did ClearValue score the Delta SkyMiles Platinum American Express?

Delta SkyMiles Platinum American Express scored 75/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the Delta SkyMiles Platinum American Express

Other airline cards we've scored, ranked by our methodology.

This is an independent editorial review. This page carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.
Delta SkyMiles Platinum American Express
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