Delta SkyMiles Platinum American Express Card

Delta Platinum is the cobrand for Delta loyalists who want a real path to Medallion status without paying for the Reserve. The $2,500 MQD Headstart is the headline ($2,500 toward your annual Medallion qualifying dollars before you fly a single mile), the annual Companion Certificate on Main Cabin domestic flights covers the $350 fee in one round-trip for two, and the rideshare + Delta Stays credits add up to $270/year if you use them. The 3x at Delta and hotels makes everyday Delta-flier spend competitive with general-purpose cards.

See current offer Issuer terms

Delta SkyMiles Platinum American Express Card card art

Metal card

Annual fee

$350

$29.17/mo equivalent
Welcome offer

90,000 miles

after $3,000 in 6 months
Recommended credit

700-790

Median 730. See why →

Earning rates

on Delta SkyMiles

3x

Airfare
3x

Hotels Resorts
2x

Dining
2x

U.S. Supermarkets
1x

Everything else

Benefits and credits

Travel credits and perks

$150 Delta Stays Credit

$150
$2,500 MQD Headstart
Annual Companion Certificate
First Checked Bag Free
Global Assist Hotline
MQD Boost

Lifestyle credits

$120 Rideshare Credit

$10

Purchase and protection benefits

Cell Phone Protection

Up to $800
Extended Warranty

Up to $10,000
Purchase Protection

Up to $10,000 · 90d

Elite status conferred

hertz

Gold Plus Rewards

Travel and purchase coverage

Baggage delay

$500

Delay threshold 6h

Secondary coverage
Rental car collision damage waiver

Secondary coverage
Trip delay reimbursement

$500

Delay threshold 12h

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.49% to 28.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: Not disclosed; Fee Not disclosed
Cash advance: 28.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

$175
Reports AU to bureaus

Not disclosed

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.