Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $350/yr for the Delta SkyMiles Platinum American Express Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or Delta SkyMiles Platinum American Express Card?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the Delta SkyMiles Platinum American Express Card doesn't?

The The Platinum Card from American Express offers lounge access. The Delta SkyMiles Platinum American Express Card offers travel credits.

Should I get the The Platinum Card from American Express or the Delta SkyMiles Platinum American Express Card?

Choose the Delta SkyMiles Platinum American Express Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $350/yr for the Delta SkyMiles Platinum American Express Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or Delta SkyMiles Platinum American Express Card?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the Delta SkyMiles Platinum American Express Card doesn't?

The The Platinum Card from American Express offers lounge access. The Delta SkyMiles Platinum American Express Card offers travel credits.

Should I get the The Platinum Card from American Express or the Delta SkyMiles Platinum American Express Card?

Choose the Delta SkyMiles Platinum American Express Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $350/yr for the Delta SkyMiles Platinum American Express Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or Delta SkyMiles Platinum American Express Card?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the Delta SkyMiles Platinum American Express Card doesn't?

The The Platinum Card from American Express offers lounge access. The Delta SkyMiles Platinum American Express Card offers travel credits.

Should I get the The Platinum Card from American Express or the Delta SkyMiles Platinum American Express Card?

Choose the Delta SkyMiles Platinum American Express Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

The Platinum Card from American Express vs Delta SkyMiles Platinum American Express Card

The Delta SkyMiles Platinum American Express Card ($350/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

The Platinum Card from American Express

American Express

Delta SkyMiles Platinum American Express Card

American Express

Fees & Welcome Offer

Annual Fee

$895

$350

Welcome Bonus

80,000 Flex point

80,000 Airline

Earn Rates

Category	The Platinum Card from American Express	Delta SkyMiles Platinum American Express Card
Flights	5X	1X

Category-by-Category Winner

The Delta SkyMiles Platinum American Express Card wins in 5 of 6 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Hotels

Delta SkyMiles Platinum American Express Card earns 2X vs 1X

Delta Purchases

Delta SkyMiles Platinum American Express Card earns 3X vs 1X

Delta Airlines

Delta SkyMiles Platinum American Express Card earns 3X vs 1X

Dining

Delta SkyMiles Platinum American Express Card earns 2X vs 1X

Grocery Stores

Delta SkyMiles Platinum American Express Card earns 2X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express costs $895/yr — that's $545 more than the Delta SkyMiles Platinum American Express Card ($350/yr). To justify that gap, you need to extract at least $545 in annual value from the card's higher earn rates and benefits.

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $545 gap is significant. Choose the The Platinum Card from American Express only if you spend heavily on flights and hotels and will use its premium benefits regularly — otherwise the Delta SkyMiles Platinum American Express Card delivers strong value at a fraction of the cost.

The Bottom Line

The Delta SkyMiles Platinum American Express Card has a lower annual fee ($350 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Choose the Delta SkyMiles Platinum American Express Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $350/yr for the Delta SkyMiles Platinum American Express Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or Delta SkyMiles Platinum American Express Card?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the Delta SkyMiles Platinum American Express Card doesn't?: The The Platinum Card from American Express offers lounge access. The Delta SkyMiles Platinum American Express Card offers travel credits.
Should I get the The Platinum Card from American Express or the Delta SkyMiles Platinum American Express Card?: Choose the Delta SkyMiles Platinum American Express Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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The Platinum Card from American Express — Full Review All American Express Cards

Delta SkyMiles Platinum American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

The Platinum Card from American Express vs Delta SkyMiles Platinum American Express Card

No image

The Platinum Card from American Express

American Express

Delta SkyMiles Platinum American Express Card

American Express

Fees & Welcome Offer

Annual Fee

$895

$350

Welcome Bonus

80,000 Flex point

80,000 Airline

Earn Rates

Category	The Platinum Card from American Express	Delta SkyMiles Platinum American Express Card
Flights	5X	1X

Category-by-Category Winner

The Delta SkyMiles Platinum American Express Card wins in 5 of 6 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Hotels

Delta SkyMiles Platinum American Express Card earns 2X vs 1X

Delta Purchases

Delta SkyMiles Platinum American Express Card earns 3X vs 1X

Delta Airlines

Delta SkyMiles Platinum American Express Card earns 3X vs 1X

Dining

Delta SkyMiles Platinum American Express Card earns 2X vs 1X

Grocery Stores

Delta SkyMiles Platinum American Express Card earns 2X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Delta SkyMiles Platinum American Express Card has a lower annual fee ($350 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $350/yr for the Delta SkyMiles Platinum American Express Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or Delta SkyMiles Platinum American Express Card?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the Delta SkyMiles Platinum American Express Card doesn't?: The The Platinum Card from American Express offers lounge access. The Delta SkyMiles Platinum American Express Card offers travel credits.
Should I get the The Platinum Card from American Express or the Delta SkyMiles Platinum American Express Card?: Choose the Delta SkyMiles Platinum American Express Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Delta Skymiles Platinum Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

Delta SkyMiles Platinum American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards

The Platinum Card from American Express vs Delta SkyMiles Platinum American Express Card

No image

The Platinum Card from American Express

American Express

Delta SkyMiles Platinum American Express Card

American Express

Fees & Welcome Offer

Annual Fee

$895

$350

Welcome Bonus

80,000 Flex point

80,000 Airline

Earn Rates

Category	The Platinum Card from American Express	Delta SkyMiles Platinum American Express Card
Flights	5X	1X

Category-by-Category Winner

The Delta SkyMiles Platinum American Express Card wins in 5 of 6 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Hotels

Delta SkyMiles Platinum American Express Card earns 2X vs 1X

Delta Purchases

Delta SkyMiles Platinum American Express Card earns 3X vs 1X

Delta Airlines

Delta SkyMiles Platinum American Express Card earns 3X vs 1X

Dining

Delta SkyMiles Platinum American Express Card earns 2X vs 1X

Grocery Stores

Delta SkyMiles Platinum American Express Card earns 2X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Delta SkyMiles Platinum American Express Card has a lower annual fee ($350 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $350/yr for the Delta SkyMiles Platinum American Express Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or Delta SkyMiles Platinum American Express Card?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the Delta SkyMiles Platinum American Express Card doesn't?: The The Platinum Card from American Express offers lounge access. The Delta SkyMiles Platinum American Express Card offers travel credits.
Should I get the The Platinum Card from American Express or the Delta SkyMiles Platinum American Express Card?: Choose the Delta SkyMiles Platinum American Express Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Delta Skymiles Platinum Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

Delta SkyMiles Platinum American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+Companion Certificate after $25K spend (companion pays only taxes/fees on Main Cabin domestic)
+Silver Medallion Status available at $25K annual spend
+Free first checked bag for cardholder plus up to 8 companions on same reservation
+Strong 2x earning on restaurants, hotels, and U.S. supermarkets
+Boosted upgrade priority to First Class and Delta One

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$350 annual fee is substantial if not utilizing premium benefits
−Companion certificate requires $25,000 spend threshold
−No lounge access included (must upgrade to Reserve)
−Miles are locked to Delta SkyMiles program with limited transfer options
−2.7% foreign transaction fee on Amex network limitations abroad

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+Companion Certificate after $25K spend (companion pays only taxes/fees on Main Cabin domestic)
+Silver Medallion Status available at $25K annual spend
+Free first checked bag for cardholder plus up to 8 companions on same reservation
+Strong 2x earning on restaurants, hotels, and U.S. supermarkets
+Boosted upgrade priority to First Class and Delta One

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$350 annual fee is substantial if not utilizing premium benefits
−Companion certificate requires $25,000 spend threshold
−No lounge access included (must upgrade to Reserve)
−Miles are locked to Delta SkyMiles program with limited transfer options
−2.7% foreign transaction fee on Amex network limitations abroad

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+Companion Certificate after $25K spend (companion pays only taxes/fees on Main Cabin domestic)
+Silver Medallion Status available at $25K annual spend
+Free first checked bag for cardholder plus up to 8 companions on same reservation
+Strong 2x earning on restaurants, hotels, and U.S. supermarkets
+Boosted upgrade priority to First Class and Delta One

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$350 annual fee is substantial if not utilizing premium benefits
−Companion certificate requires $25,000 spend threshold
−No lounge access included (must upgrade to Reserve)
−Miles are locked to Delta SkyMiles program with limited transfer options
−2.7% foreign transaction fee on Amex network limitations abroad

The Platinum Card from American Express vs Delta SkyMiles Platinum American Express Card

The Platinum Card from American Express

Delta SkyMiles Platinum American Express Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

The Platinum Card from American Express vs Delta SkyMiles Platinum American Express Card

The Platinum Card from American Express

Delta SkyMiles Platinum American Express Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

The Platinum Card from American Express vs Delta SkyMiles Platinum American Express Card

The Platinum Card from American Express

Delta SkyMiles Platinum American Express Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?