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 90,000 miles for spending $3,000 in the first 3 months, which more than makes up for the cost of the annual fee.
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:
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 and U.S. supermarkets, and 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 of 90,000 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.
The American Express annual fee is $0 to $550, depending on the card. If an Amex credit card has an annual fee, it gets charged to the card when the account is opened and again every year during the month of the card’s anniversary. The higher the card’s annual fee is, the more rewards and benefits it’s likely to offer, but there are still plenty of worthwhile cards with $0 annual fees.… read full answer
American Express annual fees on popular cards
Blue Cash Everyday: $0
Cash Magnet: $0
Blue Cash Preferred: $0 intro 1st yr, $95 after
Amex Green: $150
Amex Gold: $250
Amex Platinum: $550
Whether you should get an American Express card with an annual fee depends on your spending preferences. If you’re a light spender, you’ll likely want to avoid a fee. But if you spend a lot, you’ll probably find the more expensive cards to be more lucrative in the long run.
The Delta SkyMiles® Platinum American Express Card’s benefits include up to $100,000 in 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: 90,000 miles for spending $3,000 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 travel accidents, 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 soften the blow from the card’s $250 annual fee.
Top Amex Platinum Delta Benefits:
Travel accident insurance: For flights, cruises, and other commercial transit methods, you and immediate family are covered up to $100,000 for serious injury or death on board. Pay for the trip with you Delta SkyMiles® Platinum American Express Card to activate coverage.
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 and stolen luggage. You get $1,250 for carry-on luggage per person, and $500 for checked luggage.
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.
Initial bonus: You get 90,000 miles miles when you spend $3,000 in the first 3 months.
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.
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.
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.
Priority boarding: Card members get to board with Zone 1 on all Delta flights.
Extended warranty: You can get up to one extra year of warranty on items purchased with this card. You can be reimbursed for up to $10,000 per item and up to $50,000 per year.
Purchase protection: If something you purchased with your Delta SkyMiles® Platinum American Express Card gets damaged or stolen within 90 days of purchase, you could be eligible for up to $1,000 in reimbursement.
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.
The American Express Platinum card credit score requirement is 700 or higher. This means applicants need a good credit score or better to be approved for the American Express Platinum card in most cases.
American Express Platinum card’s credit score requirement isn’t the only thing that determines whether you’ll be approved, though. Your credit history, income and any debt you’re carrying will also play a role in your approval odds. In fact, reports around the internet suggest you can get approved with a 640 credit score if you have high enough income.… read full answer
If you don’t meet the American Express Platinum card credit score requirement, there are plenty of other credit cards you can get. They likely won’t be from American Express, though, since Amex cards require good or excellent credit. Once you get a credit card, be sure to make all of your payments on time, and only use a portion of your credit limit. This will help raise your credit score so you can get approved for a card like American Express Platinum card in the future.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.