My Credit Cards Arsenal (9) – American Express Platinum Delta Skymiles Card

The American Express Platinum Delta Skymiles card is a Delta Airline co-branded credit card. This one is the three Delta co-branded credit cards: Gold Delta Skymiles, Platinum Delta Skymiles, and Delta Reserve. These three cards have different annual membership fees, and correspondingly different benefits offered. The Platinum Delta Skymiles fall into the middle, and has a reasonable fee and benefits just right for me, at least.


Even though American Express has the “Once in a lifetime” policy for credit card sign-up bonus, you can still apply any of the three cards and get the sign-up bonus, which is different from the Hilton co-branded card, where you can only receive sign-up bonus from one of the two cards. I applied the Platinum card first, and then the Gold. Both sign-up bonuses are posted after meeting the spending requirements, and the customer services also confirmed this.

Platinum Delta SkyMiles Benefits

  • Earn 5,000 MQMs and 35,000 bonus miles after $1,000 spending, and $100 statement credit after making a Delta purchase within 3 months of account opening. There used to be an offer with 15,000 MQMs and 50,000 bonus miles after $1,000 spending this year.PlatDelta
  • First checked bag free, for the basic cardholder and 8 companions, which means that at most 9 baggage fee waivers will be issued. To get this benefit, the reservation must include the cardholder’s SkyMiles number. And if there are multiple segments of the itinerary, the first segment must be a Delta or Delta Connection. Checked bags cost a lot these days, it can be a great save if the fee can be waived.Bag
  • Earn 2 miles on Delta purchases, and 1 mile on other purchase.
  • Companion certificate upon renewal of card. This can be the single reason I have this card and pay the annual membership fee. This year, I used this certificate to go the NYC.
  • Zone 1 priority boarding, for the basic cardholder and 8 companions, which means that at most 9 people can have this.
  • Annual miles boost,which is based on calendar year, awards the cardholder 10,000 bonus miles and 10,000 MQMs if $25,000 is spent, and another 10,000 bonus miles and 10,000 MQMs if $50,000 is spent. This will be helpful for maintaining the status with Delta through spending.
  • 20% off for in-flight purchases of food, alcoholic beverages and audio headsets, and movies, shows and video games accessed via Delta’s seatback in-flight entertainment system, on Delta-operated flights.
  • Medallion Qualification Dollar (MQD) waiver, which is new for the SkyMiles program starting in 2015. The new SkyMiles program requires both MQMs (or MQSs), and MQDs (applicable for US members only) for reaching Medallion status. By spending $25,000 or more on Delta co-branded credit cards from American express, this MQDs can be waived. Delta is a revenue-based loyalty program now and everything will be evaluated by DOLLAR.MQD
  • Pay with miles. The Gold, Platinum, and the Reserve cardholders can redeem miles for all or part of the Delta ticket. If the fare is less than $100, 25,000 miles will be used to cover the fare, which is a BAD value. If the fare is greater than $100, each mile can be redeemed at 1 cent per mile. This feature can set a baseline for Delta SkyMiles redemption.
  • Reduced Delta Sky Club fee of $29 per person for the cardholder and up to two guests.
  • Baggage insurance, which will cover $1,250 for carry-on baggage, and $500 for checked baggage. The entire fare for travel must be paid using this card.
  • Secondary coverage to rental car loss and damage.
  • Other benefits from American Express such as extended warranty, purchase protection.
  • No foreign transaction fees and the annual fee is $195, which is increased from $150.

Bottom Line

Even though the Delta loyalty program is revenue base, I think there are still value within, since as a credit card hobbyist, miles will mostly not be earned through flying. We like Delta also because it has decent products and services, and living close to Salt Lake City really leaves us less choice since it is a Delta hub. Right now Delta has one-way awards and new award calendar, and the miles+cash option for redeeming miles, which are nice.


I have held for more than two years. I have paid the annual membership fee and I’m relatively satisfied with this card and benefits I received. I will continue hold his card, making full use of the companion certificate to maximize the return.

Do you have a Delta co-brand credit card? Do you like the Delta loyalty program?


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