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All comparisons
Head-to-head, 2026

American Express Delta Reserve American Express 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 ReserveBigger welcome offer: American Express Platinum

American Express

Delta Reserve

Annual fee
$650
Network
amex
Welcome value
$720
Min spend
$5,000 / 6mo

Top earning rates

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

Key benefits

  • Companion Certificate · $300
  • $200 Delta Stays Credit · $200
  • First Bag Free and NEW Second Bag Free · $140
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $240 Resy Credit · $20
Full American Express Delta Reserve review

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
$1,750
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Flights booked directly with airlines or Amex Travel · Membership Rewards
  • 5×Prepaid hotels booked through Amex Travel · Membership Rewards
  • 1×All other purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $600 Hotel Credit · $300
  • $300 Equinox Credit · $300
  • American Express Venue Collection™ · $250
Full American Express 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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