Delta SkyMiles Platinum Amex vs Delta SkyMiles Reserve Amex — which is worth it to you?
The Delta SkyMiles Platinum American Express Card ($350/yr) and the Delta SkyMiles Reserve American Express Card ($650/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
The Delta SkyMiles Reserve Amex charges $650 a year against the Delta SkyMiles Platinum Amex's $350, so it starts $300 behind. Both earn Delta SkyMiles, and a point from one is worth the same as a point from the other. What separates them is rates and credits.
The Delta SkyMiles Platinum Amex also has a bonus on dining (2x) and groceries (2x), with nothing to match it on the Delta SkyMiles Reserve Amex.
The Delta SkyMiles Platinum Amex comes with 4 statement credits, the biggest being $150 Delta Stays Credit, $120 Rideshare Credit and $120 Resy Dining Credit, plus 1 more. The Delta SkyMiles Reserve Amex has 4 statement credits: $240 Resy Dining Credit, $200 Delta Stays Credit and $120 Rideshare Credit, plus 1 more. All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry cell phone protection, elite status, extended warranty, First Checked Bag Free, lost luggage, no foreign transaction fees, purchase protection, rental car collision coverage, Second Checked Bag Free (Domestic), TakeOff 15, trip delay and Zone 5 Priority Boarding. The Delta SkyMiles Platinum Amex alone has 20% Back on In-Flight Purchases; the Delta SkyMiles Reserve Amex alone has lounge access and trip cancellation.
Delta SkyMiles Platinum American Express Card
American Express · $350 annual fee · earns Delta SkyMiles
Earning rates
- 3x Delta purchases
- 3x Hotels booked directly
- 2x Restaurants (incl. takeout/delivery)
- 2x U.S. supermarkets
- 1x Everything else
Statement credits (4)
- $150 Delta Stays Credit — Up to $150 back per year as a statement credit on prepaid hotels or vacation rentals booked through Delta Stays on delta.com.
- $120 Rideshare Credit — Up to $10 back each month on U.S. rideshare purchases with select providers — $120 a year.
- $120 Resy Dining Credit — Up to $10 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants.
- Global Entry / TSA PreCheck Credit — $120 Global Entry credit every 4 years (~$30/yr) or up to $85 TSA PreCheck credit every 4.5 years.
Full Delta SkyMiles Platinum American Express Card breakdown — 16 more benefits on the full page.
Delta SkyMiles Reserve American Express Card
American Express · $650 annual fee · earns Delta SkyMiles
Earning rates
- 3x Delta purchases
- 1x Everything else
Statement credits (4)
- Global Entry / TSA PreCheck Credit — $120 Global Entry credit every 4 years (~$30/yr) or up to $85 TSA PreCheck credit every 4.5 years.
- $240 Resy Dining Credit — Up to $20 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants.
- $120 Rideshare Credit — Up to $10 back each month on U.S. rideshare purchases with select providers (Uber, Lyft, Curb, Alto) — $120 a year.
- $200 Delta Stays Credit — Up to $200 back per year as a statement credit on prepaid hotels or vacation rentals booked through Delta Stays on delta.com.
Full Delta SkyMiles Reserve American Express Card breakdown — 16 more benefits on the full page.
Card data verified against issuer sources: Delta SkyMiles Platinum American Express Card on 2026-08-21, Delta SkyMiles Reserve American Express Card on 2026-08-21.
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