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.

	The Platinum Card® from American Express	Delta Reserve® Credit Card from American Express

	Personal Charge Card	Personal Credit Card

	Card Interest Rates & Fees
Purchase APR	N/A	17.24% to 26.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	17.24% to 26.24% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	No 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 Offer	Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Travel Rewards	Travel Rewards
Airline Rewards	5X 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 Rewards	5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Point Rewards	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. 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 Status	Enroll 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.
Airline Transfer Partners	Airline 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 & Cons	Pros: Travel benefits 60,000 bonus points after you spend $5000 in first 3 months Concierge service Cons: $550 annual fee
Bottom Line	Excellent charge card for frequent travelers... Read full review

What Others View		Chase Sapphire Reserve Gold Delta SkyMiles
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

American Express Platinum Charge Card

Is the Platinum Card® from American Express worth it? Read this in-depth review to help you decide.

Benefits of Amex Platinum

Are the benefits of the Platinum Card® from American Express worth it? Read this in-depth guide to make the best use of the perks.

Amex Platinum Credit Score

The average The Platinum Card® from American Express cardholder has a great credit score. But credit requirements may not be as tough as you think. Find out how to improve your odds.

American Express Platinum Credit Score Needed

The Platinum Card® from American Express requires great credit, which usually means 720+. But some can be approved with a lower credit score. Learn what it takes to improve your approval odds.

American Express Platinum

Here are 10 steps to take immediately after you get the Platinum Card® from American Express. Don't overlook these perks.

Which Do You Like and Why?

Compare American Express Platinum to:

American Express® Gold Card



Terms Apply \| Read Review \| See Rates & Fees
Annual Fee
$250

Chase Sapphire Preferred® Card


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

The Business Platinum® Card from American Express



Terms Apply \| Read Review \| See Rates & Fees
Annual Fee
$595

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Compare Delta Reserve to:

Chase Sapphire Reserve®
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	18.49% - 25.49% Variable	$550

Gold Delta SkyMiles® Credit Card from American Express

Terms Apply \| Read Review \| See Rates & Fees
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	17.24% - 26.24% Variable	$0 introductory annual fee for the first year, then $95


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The Platinum Card® from American Express vs Delta Reserve