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2021 Review: The Delta SkyMiles®️ Platinum American Express Card

Updated Oct 19, 2021 | Published Mar 28, 201814 min read

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Delta SkyMiles® Platinum American Express Card

Min Credit Level Good
Annual Fee $250
Regular APR 15.74% - 24.74% Variable
At a glance

The Delta SkyMiles® Platinum American Express Card is a mid-range option for Delta fliers, with 3X miles at Delta and hotels. Cardholders get a nice variety of Delta perks like free checked bags, companion certificates, and lounge access.

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The information related to Southwest® Rapid Rewards® Premier Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Our Rating: 4 Out of 5 Stars

We give the Delta SkyMiles® Platinum American Express Card 4 out of 5 Stars because it provides frequent Delta travelers with a good value, but the annual fee seems to be a bit on the high side.

Why We Like It

  • Earn miles for Delta purchases
  • Redeem miles for Delta flights or with an airline partner
  • Start with basic Delta member status and work your way up to an elite tier
  • Several time-and-money saving perks
  • Access to Delta Sky Club lounges for a reduced fee
  • No foreign transaction fees

Why It Could Be Better

  • You’ll need to pay an annual fee, which might seem a bit high for the value you get
  • You won’t get automatic Medallion status with Delta, you’ll need to earn it (basic member status is included)
  • Your miles won’t be worth as much if you can’t find a saver award flight
Apply Now

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Delta SkyMiles® Platinum American Express Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$250
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

The Delta SkyMiles Platinum is designed for people who fly with Delta frequently every year. If you’re already spending about $3,000 or so on air travel, you might find the rewards and benefits of this card to be very valuable.

Cardholders will get 3X miles per dollar on purchases from Delta from this card, but basic Delta members get another 5X miles per dollar. That can end up being roughly 10% cash back, depending on how you redeem those miles.

There’s a nice introductory bonus to take advantage of: 90,000 bonus miles and 10,000 MQMs for spending $3,000 in the first 3 months (offer expires 11/10/2021).

Some of the perks include an annual companion ticket certificate, starting after your first year. You’ll get your first checked bag free on Delta flights, and Priority Boarding can save you a headache in the terminal. Access to Delta Sky Clubs is available at a reduced price, which should make your trips more comfortable. And a 20% discount on eligible in-flight purchases provides another way to cut costs.

The Platinum Delta SkyMiles is one of several Delta co-branded cards from Amex. It’s the middle option, not too expensive but not too cheap either. All of these cards provide at least 2X miles per dollar with Delta, but their annual fees and extra benefits will vary.

One of these cards may be right for you. Keep reading to find out if it’s the Platinum Delta SkyMiles.

The Delta SkyMiles Platinum Card could be a great card to help manage your travel spending. But there are also a couple of other Delta credit cards, along with other cards for other airlines. See some of those alternatives below.

Insider tip

American Express offers many credit cards. Some offer points or cash back, some are designed for travelers, and some are co-branded with other airlines and hotels.

Insider Advice: Getting the Most Out of Your Card

  • Fly Delta: Use this card to earn miles for purchases made directly from Delta, and the other bonus categories can be pretty useful too.
  • Earn the welcome bonus: Get the introductory bonus by spending enough in the first few months of card membership.
  • Plan ahead: If you’re planning to pay for a trip using miles, be aware that they’ll take 8-12 weeks to show up in your Delta account.
  • Take advantage of special award routes: Look for saver award routes to get a better value for your miles.
  • Relax at the airport lounge: Enjoy access to Delta Sky Clubs for a discounted rate of $39.
  • Boost your status higher: Use the Status Boost to earn 10,000 MQMs for spending $25,000, up to twice per calendar year
  • Get your Medallion: Gain Medallion member status with Delta to get much more value out of this card, by earning MQMs and using your MQD Waiver.
  • Don’t fly alone: Use your annual companion flight certificate every year (beginning after your first year of card membership).

The Rewards

At an annual fee of $250, you’ll be able to earn around 10% cash back with this card as a basic Delta member. However, what you get will depend on how you earn and redeem your miles. And if you can upgrade your member status to an elite tier, you’ll be able to earn even more than that.

Earning

Spending Rewards
  • 3X SkyMiles per dollar for:
    • Eligible purchases made directly with Delta
    • Eligible purchases made directly with Hotels
  • 2X SkyMiles per dollar at:
    • Restaurants
    • U.S. Supermarkets
  • 1X SkyMile per dollar for all other eligible purchases
Introductory Bonus
  • 90,000 bonus miles and 10,000 MQMs for spending $3,000 in the first 3 months (offer expires 11/10/2021)

You’ll start off by earning 8X miles per dollar when spending with Delta. The card itself provides 3X miles, but you’ll also become a basic Delta member when you’re approved. That comes with 5X miles for Delta purchases. And if you’re able to raise your status and become a Medallion elite member, you’ll be able to earn even more miles per dollar.

Each mile will be usually worth around 1.25 cents, give or take a little bit. At that value, you’d be earning at least 10% cash back when spending with Delta, and 1.25% cash back for other purchases.

Any miles you earn will be posted to your Delta SkyMiles account within 8 to 12 weeks after the end of each month. So if you’re planning to pay for a trip using miles keep this delay in mind.

The Platinum Delta SkyMiles card is clearly designed for spending primarily with Delta. That includes most Delta products. For other purchases it would probably be better to use a different card. If you want to earn more rewards on other spending that you can transfer to Delta, check out the American Express® Gold Card (Review).

Eligible Delta purchases are those for which Delta is the merchant of record. That covers most of the situations that you would expect:

  • Purchases through delta.com, phone reservations, or ticket counters
  • Delta Sky Club membership or passes
  • Pre-purchased meals and in-flight purchases of food, alcohol, and audio headsets on Delta-operated flights
  • Delta Vacation® packages (but not other all-inclusive packages)

Other purchases that are not provided specifically by Delta will not be eligible for the 3X category. For example, WiFi bought in-flight is not included because this is provided by a third party (called Gogo).

Redeeming

The primary way to redeem your miles will be for Delta Award Flights. But you’ll also be able to use those miles with a number of airline partners, listed below. There are no blackout dates on award miles.

Your miles will be worth about 1.25 cents each for most redemptions, although this will vary quite a bit. Cheaper fares generally provide a better comparative value, but not always. And Delta also provides saver award routes, where you can find better deals typically around 1.4 cents per mile or more.

There are quite a few airline partners you can redeem with, giving you what should be plenty of options in most situations. You can book award flights with most of the partners online at delta.com, but in several cases you’ll need to contact Delta Reservations.

Book Online
Aeroflot Aerolineas Argentinas Aeromexico Air France Alitalia
China Airlines China Eastern China Southern Garuda Indonesia GOL
Great Lakes Hawaiian Airlines Jet Airways KLM Royal Dutch Airlines Korean Air
Mandarin Airlines Middle East Airlines Saudia Airlines Shanghai Airlines Tarom Airlines
Vietnam Airlines Virgin Atlantic Virgin Australia WestJet

Xiamen Airlines

Contact Delta Reservations by Phone
Air Europa Air Tahiti Nui Czech Airlines Kenya Airways

You can redeem your miles with Delta or any of the partners in the same way. When looking for flights, just make sure the option to search both Delta and Partner Airlines is selected. This option will appear after you select “Miles” in the advanced search. It will probably be selected by default, but it’s good to check.

Selecting Delta & Partner Airlines.

Selecting Delta & Partner Airlines

Let’s go through a normal point redemption example. Say you want to book a round-trip ticket from Asheville, North Carolina, to El Paso, Texas. It’s right on the border, so easy access to tacos.

We’ll look at three different flight classes. As you’ll see, for this particular example your miles will be worth slightly more for lower class fares.

Main Cabin

A main cabin ticket for this flight would cost $606. Or you could get it for 48,000 miles, along with an $11.60 fee.

You could get those miles by spending $6,000 with Delta, earning at the 8X rate. Then you could redeem them for the flight.

In this example your miles would be worth about 1.26 cents each. And the overall cash back equivalent that you’re getting is about 10%, after you count the extra fee, which is pretty good.

Total spend: $6,000 + $11.60 = $6,011.60

Cash back equivalent: $606 is about 10.1% of $6,000

Delta Comfort+

If you booked a Delta Comfort+ class seat instead, you’d wind up with a similar deal overall. That seat would cost $729, or 59,000 miles plus an $11.60 fee.

It would take $7,375 in spending to earn that many miles, at the 8X rate.

In this case your miles are worth about 1.25 cents each, about the same as above. And the cash back equivalent you’d get is around 9.9%.

Total spend: $7,375 + $11.60 = $7,386.60

Cash back equivalent: $729 is about 9.9% of $7,375

First Class

If you’re flying high, a seat will cost $944. It’s also available for 77,500 miles, with an $11.60 fee once again.

These miles would require $9,688 in Delta purchases to get, earning at the 8X rate.

Your miles are worth about 1.25 cents each for this redemption, the same as before. The cash back equivalent here is about 9.7%, about the same as above.

Total spend: $9687.50 + $11.60 = $9699.10

Cash back equivalent: $944 is about 9.7% of $9,688

The Benefits

  • First checked bag free: You and up to eight traveling companions will get your first checked bags free when flying with Delta. The first checked bag will normally cost $30 per person, so this perk has the potential to save you quite a bit of money if you fly often.
  • 20 in-flight discount: Cardholders get a 20% discount on eligible in-flight purchases made on Delta-operated flights. The purchases must be made using the Delta SkyMiles card. This discount will be applied as a statement credit, six to eight weeks after the transaction is posted to the account.
  • Priority Boarding: You and up to eight passengers on the same reservation will receive Zone 1 Priority Boarding on Delta flights. You must include your SkyMiles number on the reservation.
  • Discounted Delta Sky Club access: The card includes a complimentary Delta Sky Club membership, allowing the cardholder and up to two guests to enter Delta Sky Clubs for a discounted fee of $39 per person. Children under two years of age can enter for free. Authorized users receive the same discounted access as the primary cardholder, and are free to add.
  • Global Entry or TSA PreCheck fee credit: A credit for either Global Entry ($100 every four years) or TSA PreCheck ($85 every four-and-a-half years)
  • Annual Companion Certificate at renewal: This benefit only begins after you’ve used the card for one year. In your renewal month, you’ll receive a companion certificate you can use for the purchase of select adult round-trip fares on Delta flights. Then you will get another certificate once per year on every renewal month going forward.
  • Status Boost: Spend $25,000 in a calendar year to earn 10,000 MQMs; spend an additional $25,000 to earn another 10,000 MQMs.
  • Medallion Qualification Dollar waiver: Cardholders can bypass the MQD requirement by spending a certain amount with the card in a calendar year. To qualify for an MQD Waiver for Silver, Gold, or Platinum status, you must spend at least $25,000 on eligible purchases with the card in a year. To qualify for an MQD Waiver for Diamond status, you must spend at least $250,000 on eligible purchases with the card in a year.
  • Lowest Hotel Rates Guarantee: If you book a qualifying room through amextravel.com and find the same exact offer being advertised elsewhere for a lower price, you can be reimbursed for the difference.
  • Complimentary ShopRunner membership: Free membership with ShopRunner, which provides free two-day shipping and returns from some online retailers. Cardholders must enroll in this benefit.
  • Cell Phone Protection: Pay your phone bill with the card, and you’ll be covered against damage and theft, up to $800 per claim with a limit of two approved claims per year.
  • Purchase Protection: Your new eligible purchases are covered against damage and theft for 90 days.
  • Extended Warranty: If you purchase an eligible item with a manufacturer’s warranty of five years or less, it can be extended by an additional year.
  • Global Assist Hotline: Call 1-800-333-2639 to reach the Global Assist Hotline. Get specific information about your destination, plus help with finding lost passports, accessing translation services, locating missing luggage, and finding emergency legal and medical aid.
  • Car Rental Loss and Damage Insurance: Decline the rental car providers insurance offer and charge the full amount to the card, and your rental car will be covered against damage and theft.
  • Trip Delay Insurance: If a covered trip is delayed for more than 12 hours, you could be reimbursed for food, medicine, toiletries, and lodging expenses. Up to $300 per trip, with two trips per year.
  • Baggage Insurance Plan: If your carry-on luggage is lost or damaged by a common carrier, you and your immediate family members could be reimbursed. Up to $1,250 per person.
Quick Guide

What Restrictions Apply to the Companion Certificate?

As you’d expect, there are a number of terms and restrictions you’ll need to abide by when utilizing a companion certificate:

  • The certificate is valid for one round-trip Main Cabin companion ticket.
  • You must purchase a primary ticket and companion ticket on the same reservation, for the same flight, date, and time.
  • The certificate is valid for published flight routings within the 48 contiguous United States.
  • U.S. residents outside the 48 contiguous states must originate flights from there to the contiguous states to be eligible.
  • The trip must be booked and completed by the expiration date on the companion certificate.
  • The certificate is eligible on Delta, Delta Connection carrier, and Delta Shuttle flights only.
  • A maximum of $75 in applicable government-imposed taxes and fees will apply, depending on the number of flight segments included.
  • This offer may not be combined with any other offers or discounts (but the first checked bag waiver will still apply).

Companion certificates are eligible for Medallion Complimentary Upgrades on certain flights.

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
15.74% - 24.74% Variable None 25.24% Variable
Annual Fee Foreign Transaction Fee
$250 None
Balance Transfer Fee Cash Advance Fee
None Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR Late Fee Returned Payment Fee
29.99% Variable Up to $40 Up to $40

The Bottom Line

The Platinum Delta SkyMiles Card from American Express is a good option for frequent Delta flyers. If you spend around $3,000 or more on air travel per year, this card might be a good way to lighten the load on your wallet.

You’ll be getting 8X miles per dollar, and you can increase that by increasing your membership tier (3X from the card, 5X from basic Delta SkyMiles status). This is pretty typical for airline credit cards, and you can generally expect to get a cash back equivalent of around 10% when spending with Delta, which isn’t too bad.

The other perks should be able to save you quite a bit of money — the more you travel, the more opportunities you’ll have to use them. The free first checked bag could add up to quite a lot over the course of a year, as could the 20% in-flight discount. And the Medallion member tiers will provide a variety of nice perks in addition to the extra miles.

There are many airline cards out there, designed for different levels of spending and different airlines too. Check out some other cards designed for flying with Delta, other airlines, or travel spending in general.

Insider tip

There are a number of Delta cards to choose from. If you don’t think this one fits but you still want a co-branded Delta card, let us help you decide which Delta card to choose.

How Do I Apply for the Platinum Delta SkyMiles Card?

You can apply for this card securely on the American Express website by following the link below. Many applicants will get an instant decision in just a few seconds. But in some cases, it may take longer. You can check the status of your application any time after you apply.

Some applicants will also get an instant card number, which will let you use the card immediately after being approved, before it arrives in the mail. Your eligibility for an instant card number will depend on if Amex can instantly verify your identity. You may not have access to your full credit line until confirming that you’ve received the physical card.

What Credit Scores Do I Need to Qualify for the Platinum Delta SkyMiles Card?

It’s recommended that you have good credit before applying.

In order to qualify for good credit, your FICO scores would need to be at least 670, or your VantageScores would need to be at least 700.

But keep in mind credit card issuers consider additional information when weighing your creditworthiness. Issuers look at factors including income and monthly rent or mortgage payments too. This additional information could lead to your approval even if your scores are lower than what’s recommended. However, that also means you could be denied even if your scores are high enough.

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Delta SkyMiles® Platinum American Express Card
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  • Min. credit levelGood
  • Annual Fee$250
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

Frequently Asked Questions

Is the Delta SkyMiles Platinum American Express card worth it?

If you fly frequently with Delta, then yes. If you spend $3,000 or more on travel, you’d get a good amount of value from the card. It offers priority boarding, first checked bags free of charge, a Global Entry/TSA PreCheck application fee credit, limited airport lounge access, an annual companion ticket, and more.

It also offers a pretty decent cash back equivalent of 10%, after factoring in the annual fee.

But if you fly with Delta a lot, consider the upgraded Delta SkyMiles® Reserve American Express Card (Review) as well.

What’s the annual fee for the Delta SkyMiles Platinum American Express?

The annual fee for the card is $250. That’s pretty steep, but you get an impressive array of valuable benefits like airport lounge access, and some time-saving perks at the airport.

You can see the full list of benefits right here.

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Alternatives to the Delta SkyMiles Platinum American Express Card

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  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee for the first year, then $99
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

  • Limited Time Offer: Earn 70,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Enjoy your first checked bag free on Delta flights.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • $100 Delta Flight Credit: After you spend $10,000 in purchases on your card in a calendar year, receive a Credit to use toward future travel.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
Why We Picked It

The Delta SkyMiles® Gold American Express Card (Review) is the cheaper alternative for flying with Delta, and you’ll actually get many of the same rewards and benefits, with a few important differences.

The rewards program is pretty similar, here providing 7X miles for Delta purchases (2X miles from the card, 5X from Basic Delta SkyMiles status). However, you’ll notice that there are no Status Boost opportunities with this card, like you’ll get with the Platinum Delta. And you also won’t be earning any MQMs with these offers.

Overall, this is the main difference between these two cards. If you don’t care about Medallion status with Delta or won’t spend enough to get the Status Boosts, you can probably get a better value overall from the Gold Delta card because the annual fee is much lower.

The Gold Delta SkyMiles costs less than the Platinum Delta card. And the benefits and perks of these cards are pretty much exactly the same. You’ll get Priority Boarding, your first checked bag free, and the 20% discount on in-flight purchases.

For the most part, the only difference is that the Gold Delta card doesn’t have a Baggage Insurance Plan, while the Platinum Delta does include that benefit. This probably won’t be a major deciding factor for most people.

Rewards
Spending Rewards
  • 2X SkyMiles per dollar for:
    • Eligible purchases made directly with Delta Air Lines
    • Restaurants
    • U.S. Supermarkets
  • 1X SkyMile per dollar on all other eligible purchases
Introductory Bonus
  • 70,000 bonus miles for spending $2,000 in the first 3 months (offer expires 11/10/2021)
Key Features
  • First checked bag free: Use your Delta SkyMiles number when booking your flight to waive the price ($30) of your first checked bag. This benefit extends to up to eight other passengers flying on your itinerary.
  • Main Cabin 1 priority boarding: Get to your seat and settle in earlier when you reserve with your SkyMiles number. This benefit extends to up to eight other passengers on your itinerary.
  • 20% back on in-flight purchases: Save 20%, in the form of a statement credit, on in-flight purchases like food and alcoholic beverages. Excludes WiFi and associated services.
  • $100 Delta flight credit: Spend $10,000 in a calendar year to earn a $100 credit good for Delta flight and vacation package reservations.
  • Global Assist Hotline: Receive assistance with medical and legal referrals, cash wires, passport replacement, missing luggage, and more when you’re more than 100 miles from home.
  • Entertainment Access: Purchase tickets to your favorite events with exclusive presale access and explore exclusive cardmember events near you.
  • ShopRunner: Enjoy free two-day shipping at a variety of online retailers with a complimentary ShopRunner membership.
  • No foreign transaction fee
  • Annual fee: $0 introductory annual fee for the first year, then $99

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Gold American Express Card (Rates & Fees)

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  • Min. credit levelExcellent
  • Annual Fee$550
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

  • Limited Time Offer: Earn 80,000 Bonus Miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 60,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Receive a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Complimentary access into the Delta Sky Club® for you when travelling on a Delta flight.
  • Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you book a Delta flight with your Reserve Card.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy your first checked bag free on Delta flights.
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $550 annual fee.
  • Terms Apply.
Why We Picked It

The Delta SkyMiles® Reserve American Express Card (Review) has a $550 annual fee, so it’s meant for people who spend quite a lot with Delta every year.

Oddly, you’ll have a slightly less diverse rewards program than you would with the Delta Platinum card. The Reserve’s Status Boost offers are bigger, however.

The difference in rewards might seem odd, considering the Delta Reserve’s higher fee, but Amex and Delta must have decided that the other perks you’ll get will make this card worth the cost.

The Delta Reserve has some upgraded perks. Some of them are similar to what you’ll get with the Platinum Delta, though there are a few the Platinum lacks entirely.

For example, cardholders get complimentary access to Delta Sky Clubs and Centurion Lounges, without needing to pay a fee. You get two one-time guest passes for Sky Clubs, but otherwise, guests will cost $39 per person at Sky Clubs and $50 at Centurion Lounges. The annual companion certificate you get will be valid for a round-trip First Class, Delta Comfort+, or Main Cabin ticket.

There’s an airport security credit, too, that provides a statement credit for the application price of Global Entry ($100 every four years) or TSA PreCheck ($85 every four-and-a-half years).

The Delta Reserve has a $550 annual fee, which is about as expensive as most premium travel cards come. For that fee, it seems like it might be tough to get enough out of the rewards and benefits to make this card worthwhile, compared to the Platinum Delta.

Rewards
Spending Rewards
  • 3X SkyMiles per dollar for purchases made directly with Delta Air Lines
  • 1X SkyMile per dollar for all other eligible purchases
Introductory Bonus
  • 80,000 bonus miles and 20,000 MQMs for spending $5,000 in the first 3 months (offer expires 11/10/2021)
Key Features
  • Status Boost: Earn 15,000 MQMs for every $30,000 in eligible purchases, up to four times per calendar year.
  • Delta Sky Club and Centurion Lounge access: Get complimentary access to Delta Sky Clubs, with up to two guests at $39 each, plus complimentary access to Centurion Lounges, with up to two guests at $50 each. Includes two free Delta Sky Club one-time guest passes.
  • Annual Companion Certificate: A certificate for a Domestic First Class, Delta Comfort+, or Main Cabin round-trip flight
  • Status Boost: Earn 15,000 MQMs for spending $30,000, up to four times per calendar year.
  • First checked bag free on Delta flights: For you and up to eight traveling companions
  • Priority Boarding on Delta flights: Get on the plane more quickly with Zone 1 priority boarding.
  • Complimentary upgrades: If you don’t have Medallion status you can still get some upgrades for free.
  • 20% in-flight discount on Delta flights: A 20% discount, in the form of a statement credit, on eligible in-flight purchases, like food, beverages, movies, and audio headsets
  • No foreign transaction fee
  • Annual fee: $550

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Reserve American Express Card (Rates & Fees)

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  • Min. credit levelGood
  • Annual Fee$99
  • Purchase APR15.99% - 22.99% Variable
  • Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • Now enjoy more benefits and more ways to earn.
  • 6,000 anniversary points each year.
  • NEW! Earn 3X points on Southwest® purchases.
  • NEW! Earn 2X points on local transit and commuting, including rideshare.
  • NEW! Earn 2X points on internet, cable, phone services, and select streaming.
  • NEW! 2 EarlyBird Check-In® each year.
  • All points earned count towards Companion Pass®.
Why We Picked It

The Southwest® Rapid Rewards® Premier Credit Card (Review), issued by Chase, is an example of a card that’s co-branded with a different airline. You’ll find many of the same features, but aimed towards flying with Southwest Airlines.

You’ll find some airline benefits on the Southwest card that are pretty similar to what you’ll get with the Delta Platinum.

Other than that, there aren’t many other valuable perks with the Southwest card. You’ll have the opportunity to reach A-List member status with Southwest by earning tier qualifying points, as shown above. It will take 35,000 TQPs to earn A-List status, or 25 eligible flights. You can get there faster with the TQPs you’ll get from using this card.

Cardholders can also earn a companion pass by taking 100 qualifying one-way flights, or earning 110,000 qualifying points. These qualifying points are earned by spending with Southwest, or with the Southwest Airlines Rapid Rewards Premier Card.

The Southwest Airlines Rapid Rewards Premier is cheaper, at $99 per year. Other than that, the other terms are pretty similar.

Rewards
Spending Rewards
  • 3X points per dollar on eligible purchases from Southwest Airlines
  • 2X points per dollar for:
    • Rapid Reward hotel and car rental partners
    • Local transit/commuting/rideshares
    • Internet, cable, phone services
    • Select streaming
  • 1X point per dollar on all other purchases
Introductory Bonus
  • Earn up to 100,000 bonus points; earn 50,000 bonus points for spending $2,000 in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total in the first 12 months

You’ll be getting at least 9X points per dollar with this card, depending on flight class and your member status (3X from the card, 6X from Base fare type). More expensive flight classes and higher membership tiers provide more points per dollar.

There are more bonus categories here, including the Rapid Rewards Hotel and Car Rental Partners. This includes hotel brands like Southwest Hotels, World of Hyatt, Marriott Bonvoy, and more. Car rental partners include Avis, Budget, and Hertz, among others. This will let you earn more points on spending outside of airlines.

In this case your points will typically be worth about 1.5 cents each, although this will vary depending on the particular flight or expense you’re redeeming for. That means you’ll be getting a cash back equivalent of about 12% for flights from Southwest. That’s pretty good, a bit better than the value you’ll get with the Platinum Delta card.

Key Features
  • 6,000-point anniversary bonus: Get 6,000 bonus points every year after your cardholder anniversary.
  • Earn tier qualifying points: Earn 1,500 tier qualifying points (TQPs) for every $10,000 in purchases, up to 15,000 TQPs per calendar year, to help you reach the 35,000 TQPs required to earn A-List status, the 70,000 required for A-List Preferred status, and the 100,000 required for the Southwest Companion Pass.
  • DoorDash membership: Get no delivery fees and reduced service fees for orders of $12 or more for one year thanks to complimentary DashPass access.
  • Travel protections: Roadside Dispatch, Lost Luggage Reimbursement, Baggage Delay Insurance, Travel Accident Insurance, and Travel and Emergency Assistance Services
  • Shopping protections: Purchase Protection and Extended Warranty Protection
  • No foreign transaction fee
  • Annual fee: $99

The information related to Southwest® Rapid Rewards® Premier Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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  • Min. credit levelGood
  • Annual Fee$95
  • Purchase APR15.99% - 22.99% Variable
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Backâ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Why We Picked It

Unlike the others on this page, the Chase Sapphire Preferred® Card (Review) is designed for travel spending of all kinds, rather than being limited to a single airline. If you travel often but don’t have an allegiance to any one airline, a card like this would typically be a good option.

So you’ll be earning points on every travel expense you have, every airline, hotel, and even car rental agency. This makes it more flexible than any of the airline cards we’ve discussed. And you’ll also get points for dining too.

The best way to redeem your points, in most cases, will be through Chase Ultimate Rewards. Points are typically worth 1 cent each, but that 25% point bonus bumps that up to 1.25 cents each. That means you’d be earning the equivalent of at least 2.5% cash back when spending in the bonus categories, or 1.25% cash back for other purchases.

You can also transfer your points at a 1:1 rate to a number of airline and hotel travel partners, where you may find a better value for them. But the deal you get will depend on which partner you transfer to and how you redeem the points, so there’s no guarantee of getting a great value.

This card won’t provide as high of a cash back equivalent as you can get with an airline card like the Platinum Delta. But that’s the trade-off for being more flexible when it comes to both earning and redeeming points. An airline card will limit your earning and redeeming to that single airline, or its partners.

The extra perks for the Sapphire Preferred don’t really compare to the airline-specific benefits you can get with a co-branded card. But they’re not bad as far as general travel rewards cards go.

Rewards
Spending Rewards
  • 5X Ultimate Rewards points per dollar:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 3X Ultimate Rewards points per dollar:
    • Dining
    • Select streaming services
    • Online grocery purchases (excluding Target, Walmart, and wholesale clubs)
  • 2X Ultimate Rewards points per dollar for other Travel purchases
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 60,000 bonus points after spending $4,000 on purchases in the first 3 months
Key Features
  • 10% annual point bonus: Get a 10% bonus on all points earned in the past year; awarded on your account anniversary.
  • 25% redemption point bonus: Get 25% more value when redeeming for travel expenses through Chase Ultimate Rewards; that means each point is worth 1.25 cents. Chase may give a 25% bonus for other redemption types as well.
  • Point transfer: Transfer points at a 1:1 rate to leading airline and hotel loyalty programs, like Marriott Bonvoy and United MileagePlus.
  • DoorDash membership: Get a free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12.
  • $60 Peloton credit: Enroll to get up to $60 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
  • Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers shopping portals.
  • Visa Signature Concierge: Call to speak with your Visa Signature Concierge any time, day or night.
  • Primary Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
  • Travel protections: Roadside Dispatch; Trip Delay Reimbursement; Trip Cancellation / Trip Interruption Insurance; Baggage Delay Insurance; Lost Luggage Reimbursement; Travel Accident Insurance; Travel and Emergency Assistance Services
  • Shopping protections: Purchase Protection; Extended Warranty Protection
  • No foreign transaction fee
  • Annual fee: $95
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Delta SkyMiles® Platinum American Express Card
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  • Min. credit levelGood
  • Annual Fee$250
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

Do you fly with the Platinum Delta SkyMiles Card? How do you like it? Leave a comment below, we’d love to hear from you!

Looking for other card options to make your flights cheaper and more comfortable? See our picks for the Best Airline Credit Cards.

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of the Delta SkyMiles® Platinum American Express Card, please click here.

For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.

For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.

Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

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