May 7, 2024

Gold Delta SkyMiles Credit Card from American Express vs. The Platinum Card from American Express: Which is Best?

Which Card Offers the Best Rewards?

The Delta SkyMiles Gold American Express Card earns 2 miles per dollar on Delta purchases, at restaurants worldwide and at U.S. supermarkets and 1 mile per dollar on all other eligible purchases. New Cardholders can earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months. Terms apply.

Based on how the average American consumer spends*:

Annual rewards value: $229
First-year value: $579
Total two-year value: $808

With The Platinum Card from American Express, earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. New Cardholders can earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Terms apply.

Based on how the average American consumer spends*:

First-year rewards value: $512
First-year value: $1,262
Total two-year value: $1,486

Best two-year value: The Platinum Card from American Express

*Rewards value is based on data from the 2017 U.S. Bureau of Labor Statistics’ Consumer Expenditure Survey, rounded to the nearest $100 for annual expenditures. That amounts to $500 for flights, $500 for hotels, $3,400 for dining, $4,400 for groceries, $2,000 for gas, $3,000 for entertainment, $1,800 for apparel and services, $800 for personal care products and services, and $2,000 for all other expenditures, earned and redeemed at the highest value available.

Which Card Has the Lowest Fees?

The Delta SkyMiles Gold American Express Card has a $0 introductory annual fee for the first year, then $99.
(See Rates & Fees)

The Platinum Card from American Express has an annual fee of $695.
(See Rates & Fees)

Lowest fees: Delta SkyMiles Gold American Express Card

Which Card Has the Lowest APR?

The Delta SkyMiles Gold American Express Card has an APR of 20.24% – 29.24% Variable.

See Pay Over Time APR for the The Platinum Card from American Express.
(See Rates & Fees)

Which Card Has the Most Valuable Benefits?

Delta SkyMiles Gold American Express Card’ most valuable benefits:

  • 20% discount on eligible in-flight purchases in the form of a statement credit
  • Enjoy your first checked bag free on Delta flights
  • Priority boarding
  • Car rental loss and damage insurance
  • Global Assist hotline access
  • Purchase protection
  • Extended warranty protection
  • Entertainment access
  • Fraud protection

The Platinum Card from American Express’ most valuable benefits:

  • Uber VIP status available
  • Up to a $200 airline fee credit
  • Fee credit for Global Entry or TSA Precheck
  • The Global Lounge Collection
  • Platinum Travel service
  • Marriott Bonvoy Gold Elite Status
  • Hilton Honors Gold Status
  • Car rental loss and damage insurance
  • Premium Global Assist Hotline
  • Platinum concierge service
  • Return protection


Enrollment Required for Select Benefits.

Most valuable benefits: The Platinum Card from American Express

Which Card Is the Best For You?

The Delta SkyMiles Gold American Express Card offers Delta loyalists the chance to rack up miles with the airline, plus get some perks every time they fly, including a free checked bag, priority boarding and in-flight discounts.

The Platinum Card from American Express offers a suite of luxury travel perks, including fee credits, airport lounge access, elite hotel status and more. You also have the ability to transfer points to several airline and hotel partners.

For rates and fees of the Delta SkyMiles Gold American Express Card, please click here
For rates and fees of The Platinum Card from American Express, please click here

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