What is the Amex Delta Platinum card interest rate?

The Amex Delta Platinum annual fee is $250. The fee is offset by a Delta companion certificate, offered each year when you renew your membership and pay the annual fee. Amex Delta Platinum also earns you 50,000 miles and 5,000 Medallion Qualification Miles after spending $2,000 in the first 3 months, which more than makes up for the cost of the annual fee. … read full answer

But you need more context to decide whether the fee is worth it for you. In particular, you need to take a deeper look at the card’s rewards, as well as the alternatives.

Here’s what you need to know about the Amex Delta Platinum annual fee:

• Amex Delta Platinum’s $250 annual fee is an intermediate offer in the Delta Amex pack: Delta SkyMiles® Blue American Express Card ($0) Delta SkyMiles® Gold American Express Card ($0 intro 1st yr, $99 after), Amex Delta Platinum ($250) and Delta SkyMiles® Reserve American Express Card ($550).
• You get a companion certificate every year when you renew your Amex Delta Platinum membership by paying the annual fee. You can use it on round-trip Main Cabin domestic flights.
• Amex Delta Platinum offers 3 miles per $1 spent with Delta, 3 miles per $1 on purchases made directly with hotels, 2 miles per $1 at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets, as well as 1 mile per $1 on all other purchases. You also get perks like a Delta companion certificate every year when you renew your membership, free Sky Club access, and a free checked bag on Delta flights.

The Amex Delta Platinum annual fee is $250. The perks you get with the SkyMiles membership and the card’s initial bonus offer of 50,000 miles could make the annual fee worth it as long as you meet its spending requirements, and fly Delta enough. Otherwise, you could consider getting an airline credit card with no annual fee.

There’s no official Delta SkyMiles® Platinum American Express Card upgrade offer that anyone can take Amex up on. But Amex sometimes presents targeted upgrade offers to certain customers. To check for one of these, log into your American Express account and select “Amex Offers.” You’ll see whether you have any upgrade offers. If you don’t see any offers, you can still request an upgrade. Call customer service at … read full answer(800) 528-4800, and say “Apply for upgrade” when the automated system asks what you want to do. After you enter your card number, a representative will check whether you’re eligible. You should get a decision in a few minutes.

That’s all you have to do to apply for an upgrade. But before you do, there are a few more details you should be aware of.

Here’s how Delta SkyMiles® Platinum American Express Card upgrade offers work:

• You won’t be eligible for an upgrade until you’ve had an American Express credit card account for at least 13 months.
• American Express will decide whether or not to approve you for an upgrade based on your credit reports, income, and payment history.
• American Express does not do a hard inquiry on your credit when you ask for an upgrade, so there’s no risk to requesting one.
• If you are approved for an upgrade, you will receive your new card within 7 days. You can keep using your old card until your new one is activated.
• Since you’re not opening a new account, your old account information will stay the same.

There’s also a different type of Delta SkyMiles® Platinum American Express Card upgrade offer. Card members can earn up to 25,000 Medallion Qualifying Miles in their first year, and 20,000 every year after that. If you earn 25,000 Medallion Qualifying Miles and spend $3,000 on Delta purchases, you’ll earn Medallion status. Medallion members are eligible for available complimentary seat upgrades on all Delta flights.

The Delta SkyMiles® Platinum American Express Card’s benefits include travel insurance, free checked bags and priority boarding on Delta flights, discounted Delta Sky Club access, and 20% off refreshments and headphones when flying with Delta. Another Delta SkyMiles® Platinum American Express Card perk is its initial bonus offer: 50,000 miles and 5,000 Medallion Qualification Miles after spending $2,000 in the first 3 months. This card offers benefits such as purchase protection and extended warranties, too.… read full answer

Its travel insurance includes coverage for rental cars and lost or stolen baggage. Since it's an airline credit card, most of this card’s benefits are related to travel. But there’s plenty to cover your everyday spending too. That includes return protection, which can reimburse you for recent purchases that you’re unable to return for a refund. Making the most of these benefits will help make up for the card’s $250 annual fee.

Top Amex Platinum Delta Benefits:

1. Baggage insurance: If you pay for your flight with a Delta SkyMiles® Platinum American Express Card, you and your immediate family are covered for lost, damaged and stolen luggage during the travel. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the carrier. The coverage is also subject to a $3,000 aggregate limit per trip.
2. Car rental insurance: If a car you rented with your Delta SkyMiles® Platinum American Express Card suffers theft or damage, you’re covered up to $50,000. Your auto rental insurance covers repairs or the cost of the car. To active it, decline to buy the rental company’s insurance. This card provides secondary coverage and does not include liability coverage. You should note that not all vehicle types or rentals are covered and geographic restrictions also apply.
3. Initial bonus: You earn 50,000 miles and 5,000 Medallion Qualification Miles after spending $2,000 in the first 3 months.
4. First checked bag free: When you book a flight with your Delta SkyMiles® Platinum American Express Card, you and up to 9 people on your reservation get the first checked bag free.
5. Delta Sky Club access: Delta Platinum members get access to Delta Sky Club airline lounges for $39 per visit. A normal single-visit pass costs $59.
6. In-flight savings: Delta SkyMiles® Platinum American Express Card members save 20% on in-flight food, beverages, and headphones on Delta-operated flights. The discount comes as a statement credit.
7. Priority boarding: Card members get to board with Zone 1 on all Delta flights.
8. Extended warranty: You can get up to one extra year of warranty on items purchased with this card. It applies to warranties of five years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of up to $10,000 per item and up to $50,000 per account per year.
9. Purchase protection: If something you purchased with your Delta SkyMiles® Platinum American Express Card gets accidentally damaged or stolen within 90 days of purchase, you could be eligible for up to $1,000 in reimbursement per occurrence and up to $50,000 per account per year.

Several of Delta SkyMiles® Platinum American Express Card’s benefits make your flight more enjoyable. Others provide peace of mind about purchases. But the most valuable benefits are the different types of travel insurance it offers. That’s one of several reasons this card makes the most sense for a frequent Delta flyer.

Insurance benefits disclosure: Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. Baggage Insurance Plan - For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip.