4 reasons why the Amex Platinum may be the ideal card for Delta flyers

The Platinum Card® from American Express is one of our favorite cards for booking flights.

Beyond earning, though, there are various other reasons why the Amex Platinum Card is a great option for all sorts of air travelers, especially Delta frequent flyers.

Thanks to Delta’s close partnership with Amex, regular travelers on the carrier have more reasons than most to consider adding this card to their wallets. Here’s what to know.

Maximize your airfare purchases

Few other cards can match the Amex Platinum when it comes to the return you’ll get on airfare spending.

The card earns 5 points per dollar on airfare purchases made directly with the airline or through American Express Travel^® on up to $500,000 spent on these purchases per calendar year (then 1 point per dollar thereafter). According to TPG’s June 2025 valuations, American Express Membership Rewards are worth 2 cents apiece, so that’s like getting 10% back on your spending.

In the case of Delta specifically, remember that Amex points transfer to Delta SkyMiles instantly on a 1:1 basis. So, earning 5 Membership Rewards points per dollar is like earning 5 Delta SkyMiles per dollar on airfare spending.

That beats what you can earn on Delta purchases with a cobranded Delta credit card.

Earn valuable points

The Amex Platinum earns Membership Rewards points that can be transferred to a wide range of airline and hotel loyalty programs.

You can transfer your Membership Rewards points at a 1:1 ratio to Delta SkyMiles. However, you don’t necessarily have to exclusively focus on the program like you would if you were simply earning Delta SkyMiles with one of the airline’s cobranded credit cards.

It offers the best of both worlds — you can still use your Amex points for Delta flights but you have many options beyond that.

While Delta might be your preferred airline, having transferable points helps you for a few reasons:

• It gives you numerous options to book airlines and hotels you normally might not have on your radar.
• It protects you from loyalty program devaluations.
• It minimizes the risk of airline bankruptcies and program suspensions.

Transferable points, such as Membership Rewards points, can even serve as a financial safety net for unplanned expenses and emergencies.

As long as you have Membership Rewards, you have Delta miles whenever you need them. But if a different opportunity arises, you’re ready for that, too.

Related: Some of our favorite ways to use Delta SkyMiles

Transfer to Delta (and its partners)

As mentioned, you can instantly transfer the Amex Membership Rewards points you earn with the Amex Platinum (and other eligible cards) to Delta at a 1:1 ratio. This is a great way to top off your Delta SkyMiles balance if you need extra miles for a particular redemption.

American Express is also Delta’s exclusive partner for its lineup of cobranded credit cards, so you’ll likely be able to enjoy this benefit for years to come.

However, one of the main reasons to accumulate points with Amex rather than exclusively with Delta is that you can leverage the power of airline partnerships beyond Delta’s SkyMiles program. For instance, you can transfer Membership Rewards points not only to Delta but also to Virgin Atlantic. This is especially useful because you can often book Delta One business-class seats through Virgin Atlantic Flying Club for far fewer points than Delta charges.

As with any transferable currency, you should only transfer when you’re confident that there is available award inventory. Transfers only go one way: You can’t convert Delta miles back into Membership Rewards points if you change your mind.

Lounge access

Aside from earning, the Amex Platinum has several day-of-travel perks that can save you time and money.

Many Delta loyalists will opt for the airline’s top-tier personal card, the Delta SkyMiles® Reserve American Express Card, to access Sky Clubs when flying Delta. The Delta Reserve gets you access to Delta Sky Club lounges. Cardmembers are limited to 15 visits per year, unless you spend $75,000 on your card in a calendar year.

By contrast, with the Amex Platinum, you’ll get 10 visits per year (five fewer), unless you spend $75,000 on your card in a calendar year.

You can also access Centurion Lounges with both cards. The difference is that you’ll only get access to them with the Delta Reserve if you are flying Delta and you purchased your ticket with a U.S. Amex-issued card; the Amex Platinum gets you access, regardless of the carrier you fly with.

Finally, the Amex Platinum offers an up to $200 in airline fee statement credits per calendar year, which can cover checked bag fees on the airline you select each calendar year. Enrollment required; terms apply.

If you’re flying Delta (or another U.S.-based airline) and don’t want to get one of the airline’s cobranded cards with a free checked bag, you can offset the cost through your Platinum card.

Related: Best credit cards for airport lounge access

A reason to still consider Delta cobranded cards

While the Amex Platinum is an excellent all-around choice for Delta flyers, there’s one area where four Delta cobranded cards have the advantage.

If you’re working toward Delta Medallion elite status, you can accrue Medallion Qualification Dollars by spending on one of the following cards:

You’ll also receive an annual MQD Headstart that gives you 2,500 MQDs automatically deposited each year on all these cards.

Those are benefits that the Amex Platinum can’t provide, so if earning Delta elite status is a top priority, you might want to consider one of its cobranded offerings.

Bottom line

The Amex Platinum has a hefty $695 annual fee (see rates and fees), but the cost can be easily justified if you take advantage of the many perks available.

The Platinum card earns our top spot as the best luxury card for Delta flyers thanks to benefits including Sky Club access when flying Delta, earning points that can be transferred to SkyMiles (or one of Delta’s partners) and a useful airline fee credit.

However, if you specifically want to earn MQMs toward elite status through spending and a welcome offer, you’ll still want to consider one of Delta’s cobranded cards.

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Apply here: American Express Platinum — but first check the CardMatch Tool to see if you’ve been selected for an elevated welcome offer.

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For rates and fees of the Amex Platinum card, click here.