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The Platinum Card® from American Express vs Delta Reserve

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Platinum is an excellent charge card for frequent travelers. How does it compare to Delta Reserve from American Express, an airline credit card? Read our comparison chart below.

Charge Card vs Credit Card: The Platinum Card® from American Express is a charge card while Delta Reserve® Credit Card from American Express is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

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The Platinum Card® from American Express

Delta Reserve® Credit Card from American Express

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint Rewards
Introductory Bonus Airline RewardsAirline RewardsBonus Airline Rewards
 

Card Interest Rates & Fees

Purchase APRN/A17.24% to 26.24% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A17.24% to 26.24% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$550 annual fee$450 Annual Fee ($550 if application is received on or after 1/30/2020)
Terms Apply. See Rates & Fees 
 

Card Rewards & Benefits

Introductory Bonus Airline Rewards Earn 40,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
Introductory Bonus OfferEarn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. 
Travel RewardsTravel Rewards 
Airline Rewards5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
Bonus Airline Rewards Enjoy a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal of your card.
Hotel Rewards5X Membership Rewards points on prepaid hotels booked on amextravel.com. 
Point RewardsEarn 1 point for virtually every dollar spent. 
Airline Status$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit.
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Check your first bag free on Delta flights -that's a savings of up to $240 per round trip for a family of four.
Hotel StatusEnroll for complimentary Marriott Bonvoy Gold Status.
Enroll for complimentary Hilton Honors Gold Status.
Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property. Terms Apply.
 
Airline Transfer PartnersAirline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
Cons:
  • $550 annual fee
Bottom LineExcellent charge card for frequent travelers... Read full review
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What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.

    Disclaimer: The information for the Delta Reserve® Credit Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Delta Reserve: Pricing information including interest rates, benefits and fees was obtained on October 31, 2019 from published websites and is believed to be accurate, but not guaranteed.

    Still need help deciding which airline card is better? Read the in-depth reviews below. You may also be interested in comparing American Express Platinum or Chase Sapphire Preferred.


    Articles on The Platinum Card® from American Express


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    Compare American Express Platinum to:

    American Express Gold

    American Express® Gold Card

    Introductory Bonus OfferAirline RewardsPoint RewardsGrocery Rewards
    Annual Fee
    $250
    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.49% - 24.49% Variable
    Annual Fee
    $95
    American Express Business Platinum

    The Business Platinum® Card from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline Rewards
    Annual Fee
    $595

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    Compare Delta Reserve to:

    Chase Sapphire Reserve
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    18.49% - 25.49% Variable
    $450

    Gold Delta SkyMiles
    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.24% - 26.24% Variable
    $0 introductory annual fee for the first year, then $95

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    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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