Delta SkyMiles Platinum American Express Card vs. Sam's Club Mastercard
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Delta SkyMiles Platinum American Express Card
Amex
Sam's Club Mastercard
Synchrony
Delta SkyMiles Platinum American Express Card and Sam's Club Mastercard split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Delta SkyMiles Platinum American Express Card wins on first-year math and travel insurance; Sam's Club Mastercard wins on annual fee and earning ceiling.
Pick the Delta SkyMiles Platinum American Express Card if year-one math is your priority; take the Sam's Club Mastercard if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Delta SkyMiles Platinum American Express Card
Delta SkyMiles Platinum American Express Card wins on bonus value minus annual fee.
- Annual fee Sam's Club Mastercard
Sam's Club Mastercard is $350 cheaper to keep.
- Earning ceiling Sam's Club Mastercard
Sam's Club Mastercard earns more on its best category (5× vs 3×).
- Travel insurance Delta SkyMiles Platinum American Express Card
Delta SkyMiles Platinum American Express Card carries built-in travel insurance.
By the numbers
- Annual fee
- $350
- Free
- Welcome offer (typical value)
- $1,080
- $30
- First-year net
- +$730
- +$30
- Peak earning rate
- 3×
- 5×
- Top categories
- Airfare, Hotels Resorts, Dining
- Gas Ev Charging, Dining, Sams Club Purchases
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Delta SkyMiles
- Sam's Cash
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.