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All comparisons
Head-to-head, 2026

American Express Delta Reserve American Express Delta SkyMiles Platinum

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Delta SkyMiles PlatinumBigger welcome offer: American Express Delta Reserve

American Express

Delta Reserve

Annual fee
$650
Network
amex
Welcome value
$1,140
Min spend
$6,000 / 6mo

Top earning rates

  • 3×Delta purchases · Delta SkyMiles
  • 1×all other purchases · Delta SkyMiles

Key benefits

  • Companion Certificate · $500
  • Delta Sky Club & Centurion Lounge Access · $325
  • Delta Sky Club Access · $300
  • Unlimited Delta Sky Club Access (Spend Tier) · $300
  • $2,500 MQD Headstart · $250
Full American Express Delta Reserve review

American Express

Delta SkyMiles Platinum

Annual fee
$350
Network
amex
Welcome value
$1,000
Min spend
$8,000 / 6mo

Top earning rates

  • 3×Delta purchases · Delta SkyMiles
  • 3×hotels · Delta SkyMiles
  • 2×dining · Delta SkyMiles
  • 2×grocery · Delta SkyMiles

Key benefits

  • Annual Companion Certificate · $250
  • Free First Checked Bag · $140
  • MQD Headstart · $125
  • $1 MQD for $20 Spend · $100
  • Global Entry / TSA PreCheck Credit · $100
Full American Express Delta SkyMiles Platinum review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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