Who it's for
Airline loyaltyPremium travel
Delta Platinum
Best ROI of the Delta cards for most travelers. Companion cert alone ($500-$1,200 value) plus $390 in credits more than offsets the $350 fee even before earning any miles.
$1,133/yrest. value at typical spending
$350annual fee
$390yearly credits
−$40fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 2x | $600/mo |
| Flights & hotels | 1.8x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 1 transfer partner
- Annual companion certificate — Main Cabin round-trip within U.S., Caribbean & Central America (often $400-$800 value)
- $120 Resy credit + $120 Rideshare credit + $150 Delta Stays credit
- $2,500 MQD Headstart + $1 MQD per $20 spent (MQD Boost)
- First AND second checked bag free for cardholder + 8 companions (NEW June 2026)
- 15% off SkyMiles award redemptions on Delta flights
- 3x SkyMiles on Delta purchases
- 2x at restaurants worldwide and U.S. supermarkets
- 1x everywhere else
Transfer partners
Delta SkyMiles
Similar cards
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- Alaska Atmos Rewards Ascent$95 annual fee$859est. value/yr
- United Club Infinite$695 annual fee$1,201est. value/yr
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