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Gold Delta SkyMiles vs Platinum Delta SkyMiles Amex: Which is worth the fee?

Gold Delta SkyMiles vs Platinum Delta SkyMiles Amex: Which is worth the fee?

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This article was last updated Oct 18, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

The information related to the Platinum Delta SkyMiles® Credit Card from American Express has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

If you frequently travel on Delta Airlines, you should consider a credit card that lets you earn rewards to use toward free Delta flights, like the Gold Delta SkyMiles® Credit Card from American Express or the Platinum Delta SkyMiles® Credit Card from American Express. Both cards offer rewards on every purchase and bonus miles on Delta purchases. Where they differ the most is their annual fees, sign-up bonuses and travel benefits.

In this article:

When deciding which of these cards is best for you, it comes down to the following:

  • Consider the Gold Delta SkyMiles® Credit Card from American Express if you fly on Delta Airlines from time to time and want to take advantage of standard airline credit card perks like a free checked bag, while paying a $0 introductory annual fee for the first year, then $95.
  • Consider the Platinum Delta SkyMiles® Credit Card from American Express if you want a larger welcome offer, more premium Delta perks, such as an annual companion pass, and you don’t mind paying a $195 annual fee ($250 if application is received on or after 1/30/2020).

See how the cards compare side by side in the table below.

Gold Delta SkyMiles® Credit Card from American Express vs. Platinum Delta SkyMiles® Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express Platinum Delta SkyMiles® Credit Card from American Express
Welcome offer 30,000 bonus miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months. 75,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) when you spend $3,000 in the first three months, plus earn a $100 statement credit when your purchase with the card in the first 3 months. Offer expires 10/30/19.
Rewards rate 2 miles for every dollar spent on eligible purchases made directly with Delta and 1 mile for every eligible dollar spent on purchases. Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
Intro APR on purchases N/A N/A
Regular purchase APR 17.24%-26.24% variable 17.49%-26.49% variable
Annual fee $0 introductory annual fee for the first year, then $95. $195 annual fee ($250 if application is received on or after 1/30/2020).
Foreign transaction fees None None

Gold Delta SkyMiles® Credit Card from American Express pros and cons

  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.

  • Earn 2 Miles per dollar spent on purchases made directly with Delta*

  • Priority Boarding and 20% savings on eligible in-flight purchases*

Highlights
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
  • See Rates & Fees

See additional details for Gold Delta SkyMiles® Business Credit Card from American Express

More Info

Pros

Welcome offer. Earn 30,000 bonus miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.

Annual fee. The Gold Delta SkyMiles® Credit Card from American Express offers a $0 introductory annual fee for the first year, then $95.

Rewards rate. The Gold Delta SkyMiles® Credit Card from American Express offers rewards on every purchase. Earn 2 miles for every dollar spent on eligible purchases made directly with Delta and 1 mile for every eligible dollar spent on purchases.

Additional benefits. The Gold Delta SkyMiles® Credit Card from American Express comes with a number of travel perks, including your first checked bag free, 20% savings on in-flight purchases of food, beverages and audio headsets, car rental loss and damage insurance, global assist hotline and no foreign transaction fees.

Cons

No intro APR. Like the Platinum Delta SkyMiles® Credit Card from American Express, the Gold Delta SkyMiles® Credit Card from American Express does not offer a 0% introductory APR on purchases or balance transfers.

Limited bonus categories. Both the Gold Delta SkyMiles® Credit Card from American Express and the Platinum Delta SkyMiles® Credit Card from American Express offer rewards on every purchase; however, neither card lets you earn bonus miles in popular spending categories, such as supermarkets, restaurants or gas stations.

Mediocre ongoing benefits. The Gold Delta SkyMiles® Credit Card from American Express comes with several travel benefits, such as free checked first bag and no foreign transaction fees. However, the benefits are just so-so when compared with the Platinum Delta SkyMiles® Credit Card from American Express’s travel perks (more on those below).

Platinum Delta SkyMiles® Credit Card from American Express Pros and Cons

Pros

Welcome offer. The Platinum Delta SkyMiles® Credit Card from American Express offers a higher welcome offer than the Gold Delta SkyMiles® Credit Card from American Express. Cardholders earn 75,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) when you spend $3,000 in the first three months, plus earn a $100 statement credit when your purchase with the card in the first 3 months. Offer expires 10/30/19.

Annual miles boost. Every year, you have the ability to earn up to 20,000 bonus miles and 20,000 MQMs. Earn 10,000 bonus miles and 10,000 MQMs after spending $25,000 in a calendar year on the card, plus an additional 10,000 bonus miles and 10,000 MQMs after spending $50,000 on the card in a calendar year.

Note, starting Jan. 30, 2020, you will no longer be able to earn bonus miles with this benefit.

Annual companion pass. Receive a free domestic main cabin round-trip companion certificate every year on your cardmember anniversary. You will be responsible for the taxes and fees of no more than $75 for a round-trip domestic flight.

Additional benefits. The Platinum Delta SkyMiles® Credit Card from American Express’s travel perks include priority boarding, a $29 per-visit rate to the Delta Sky Club (increasing to $39 per person on Jan. 20, 2020), baggage insurance, first checked bag free, 20% in-flight savings, car rental loss and damage insurance, global assist hotline and no foreign transaction fees.

Cons

Annual fee. Unlike the Gold Delta SkyMiles® Credit Card from American Express, the Platinum Delta SkyMiles® Credit Card from American Express does not waive the annual fee during the first year of card membership. Instead, the card charges a $195 annual fee ($250 if application is received on or after 1/30/2020).

High spend requirement. If you want to take full advantage of the annual miles boost, you will be required to spend a total of $50,000 or more in a calendar year.

Also, the bonus miles perk ends Jan. 30, 2020, which may make that spending requirement even harder to meet.

Which card is right for you?

Ultimately, the best card for you comes down to which benefits you want to take advantage of and how much of an annual fee you want to pay.

The Platinum Delta SkyMiles® Credit Card from American Express is hands down the best option if you want to earn a large influx of miles and MQMs in a short period of time or if you plan to take advantage of the annual companion certificate and other travel perks. Keep in mind, though, that these benefits come at a yearly cost of $195 annual fee ($250 if application is received on or after 1/30/2020).

The Gold Delta SkyMiles® Credit Card from American Express, on the other hand, is the better choice if you travel on Delta a few times a year and usually check your bag. Plus, the card comes with a $0 introductory annual fee for the first year, then $95.

Or, if you prefer to earn Delta SkyMiles without ever paying an annual fee, the Blue Delta SkyMiles® Credit Card from American Express is a good alternative.

  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.

  • Earn 2 miles per dollar at US restaurants. Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.

  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.

Highlights
  • Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Delta SkyMiles® Credit Card from American Express

More Info

Although the travel perks for the Blue Delta SkyMiles® Credit Card from American Express are not nearly as robust as the Platinum Delta SkyMiles® Credit Card from American Express or the Gold Delta SkyMiles® Credit Card from American Express, the card does come with a $0 annual fee. Plus, cardholders earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Earn 2 miles per dollar at US restaurants. Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.

Read:  Blue Delta SkyMiles® Credit Card from American Express vs. Gold Delta SkyMiles® Credit Card from American Express: Which Offers More Miles?


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