TheAmerican Express Platinum Card®is one ofour favorite cards for booking flightsand a beast at earning in this category.
Beyond that, the Platinum Card is an excellentpremium travel rewards card, especially for frequent Delta flyers. It offers many statement credits and perks that elevate the travel experience.
DeltaandAmexhave a close partnership, so frequent flyers have some compelling reasons to consider adding this card to their wallets. Here's what you should know as a Delta flyer when considering applying for the Platinum Card.
Maximize your airfare purchases
ThePlatinum Cardis at the top of the mountain when it comes to earning rewards whenbooking flights, with only a few other cards offering comparable earning rates.
It earns 5 points per dollar spent on airfare purchases made directly with the airline or throughAmerican Express Travel®on up to $500,000 spent on these purchases per calendar year (then 1 point per dollar thereafter). Based on TPG's October 2025valuations, American Express Membership Rewards are worth 2 cents apiece, making this a 10% return.
Delta SkyMiles is a 1:1 transfer partner of Amex. So, if you transfer your points to Delta, earning 5 Membership Rewards points per dollar spent is effectively like earning 5 SkyMiles per dollar spent on airfare.
This is better than what you can earn on Delta flight purchases with acobranded Delta credit card, as the maximum you can earn is just 3 miles per dollar spent.
Earn valuable points
ThePlatinum CardearnsMembership Rewards pointsthat can be transferred to a wide range ofairlineandhotel loyalty programs, including Delta.
The Platinum Card shines by offering travelers flexibility. You don't have to focus exclusively on the Delta SkyMiles program like you would if you were only earning SkyMiles with one of the airline's cobranded credit cards.
The Platinum Card offers the best of both worlds as you can still use your Amex points for Delta flights, but you have many other options to choose from.
Delta may be your preferred airline, but having a stash of transferable points is beneficial for the following reasons:
- It gives you more options to book airlines and hotels that you normally might not consider
- You can sometimes book tickets on your preferred airline through a partner at a lower rate than booking directly with that airline. Additionally, partners sometimes offertransfer bonuses,which can make these award tickets even cheaper.
- Flexible points protect you fromloyalty program devaluations, which Delta tends to do frequently.
- It minimizes the risk of airline bankruptcies and program suspensions.
Transferable points, such as Membership Rewards points, can even serve as afinancial safety netfor unplanned expenses and emergencies, as you could redeem your points for cash back, although at a poor redemption rate.
As long as you have Membership Rewards points, you have SkyMiles whenever you need them. But if a different opportunity arises, you're ready for that, too.
Related:How to redeem your Delta SkyMiles for maximum value
Transfer to Delta (and its partners)
As mentioned above, you can instantly transfer theAmex Membership Rewardspoints you earn with thePlatinum Card(and other eligible cards) to Delta at a 1:1 ratio. This is a great way to top off your Delta SkyMiles balance if you need extra miles for a particular redemption.
American Express is also Delta's exclusive partner for its lineup of cobranded credit cards, so you'll likely enjoy this benefit for years to come.
However, one of the main reasons to accumulate points with Amex rather than miles exclusively with Delta is that you can leverage the power of airline partnerships beyond Delta's SkyMiles program.
With the Platinum Card, you can transfer your points to 16 other airline partners. However, with a Delta cobranded card, you'd be limited to redeeming miles for flights operated only by Delta and its partners.
As an example, you can transfer Membership Rewards points toVirgin Atlantic Flying Club. This is especially useful because you can often bookDelta One business-class seatsthrough Virgin Atlantic for far fewer points than Delta charges.
As with any transferable currency, you should only transfer when you're confident that there's available award inventory and you are ready to book your ticket. Transfers only go one way: Once you transfer Amex points out, you can't convert them back into Membership Rewards points.
Related:How (and why) you should earn transferable credit card points
Airport benefits
Aside from the excellent earning rates on flights, thePlatinum Cardhas several day-of-travel perks that can save you time and money and elevate your travel experience.
Many Delta loyalists will opt for the airline's top-tier personal card, theDelta SkyMiles® Reserve American Express Card, to accessSky Clubswhen flying Delta. Cardmembers are limited to 15 visits per year, unless you spend $75,000 on your card in a calendar year.
By contrast, with the Platinum Card, eligible cardmembers get 10 visits per year (five fewer), unless you spend $75,000 on your card in a calendar year to unlock unlimited access.
With both cards, eligible cardmembers can also accessCenturion Lounges. The key difference is that you can only access them with the Delta Reserve card if you're flying on Delta and purchased your ticket with a U.S. Amex-issued card. Meanwhile, with the Platinum Card, you can enter the Centurion Lounge regardless of which airline you're flying with.
Additionally, the Platinum Card offers an up to $200airline fee statement creditper calendar year, which cancover checked bag feesorseat selectionon the airline you select each calendar year. (Enrollment required)
If you're flying Delta (or another U.S.-based airline) and don't want to get one of the airline's cobranded cards with a free checked bag, you can offset the cost through your Platinum card.
Lastly, the Platinum offers an up to $209Clear Plusstatement credit each calendar year (subject to auto-renewal; enrollment required). Clear Plus is an expedited biometric security program that lets you skip to the front of the TSA line.
When paired with the$120 statement creditforGlobal Entryevery four years or an up to $85 fee credit forTSA PreCheckevery 4½ years that the Platinum card offers, you'll breeze through security in no time.
Related:Best credit cards for airport lounge access
A reason to still consider Delta cobranded cards
While thePlatinum Cardis a solid all-around choice for Delta flyers, select Delta cobranded cards have a distinct edge.
If you want to earnDelta Medallion elite status, holding a Delta cobranded credit card can get you there faster. You can earn Medallion Qualification Dollars by spending on one of the following cards:
- Delta SkyMiles® Platinum American Express CardandDelta SkyMiles® Platinum Business American Express Card: Earn 1 MQD per $20 spent in a calendar year.
- Delta SkyMiles Reserve American Express CardandDelta SkyMiles® Reserve Business American Express Card: Earn 1 MQD per $10 spent in a calendar year.
You'll also receive an annual MQD Headstart that automatically deposits 2,500 MQDs on all these cards each year. If you spend enough annually on a cobranded card, you could earn status without even stepping on a Delta jet. Additionally, if you hold a combination of any two of the cards above, you'll receive 5,000 MQDs, which will automatically grant you Silver Medallion status.
The Platinum Card can't help you earn elite status without flying, so if status is a top priority, you'll be better suited with a Delta cobranded option.
Bottom line
ThePlatinum Cardhas a steep $895 annual fee (seerates and fees), but the cost can be easily justified if you take advantage of even just half of the perks available.
The Platinum Card earns our top spot as thebest premium card for Delta flyers, thanks to benefits including Sky Club access when flying Delta, earning flexible points that can be transferred to Delta and a useful up to $200 per calendar year airline fee incidental statement credit.
However, if you specifically want to earn MQDs toward elite status through spending and a welcome offer, you'll still want to consider one ofDelta's cobranded cards.
To learn more, check out ourfull review of the Amex Platinum.
Apply here:American Express Platinum Card
For rates and fees of the Amex Platinum, clickhere.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
