At typical spending, the Amex Platinum comes out ahead by about $1,851 a year ($2,674 vs $823). The Amex Platinum earns more on flights & hotels. Which one wins for you depends on where your money actually goes.
| Delta Reserve | Amex Platinum | |
|---|---|---|
| Est. value/yr at typical spending | $823 | $2,674 |
| Annual fee | $650 | $895 |
| Yearly credits | $560 | $2,484 |
| Fee after credits | $90 | −$1,589 |
| Dining | 1x | 1x |
| Groceries | 1x | 1x |
| Flights & hotels | 1.8x | 5x |
| Rent | 1x | 1x |
| Gas & transit | 1x | 1x |
| Streaming | 1x | 1x |
| Online shopping | 1x | 1x |
| Everything else | 1x | 1x |
| Transfer partners | 1 | 13 |
| Lounge access | Yes | Yes |
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.
They share 1 partner. Only the Amex Platinum: Air Canada Aeroplan, ANA Mileage Club, British Airways Avios, Cathay Pacific AsiaMiles, Emirates Skywards, Etihad Guest, Air France-KLM Flying Blue, Qantas Frequent Flyer, Singapore KrisFlyer, Turkish Miles&Smiles, Hilton Honors, Marriott Bonvoy.