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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Platinum American Express Hilton Honors Aspire

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 Platinum

American Express

Delta SkyMiles Platinum

Annual fee
$350
Network
amex
Welcome value
—
Min spend
$4,000 / 6mo

Top earning rates

  • 3×Delta purchases · Delta SkyMiles
  • 3×Hotels · Delta SkyMiles
  • 2×Restaurants · Delta SkyMiles
  • 2×Supermarkets · Delta SkyMiles

Key benefits

  • $150 Delta Stays Credit · $150
  • Global Entry or TSA PreCheck fee credit · $120
  • $120 Resy Credit · $10
  • $120 Rideshare Credit · $10
  • MQD Boost · $0
Full American Express Delta SkyMiles Platinum review

American Express

Hilton Honors Aspire

Annual fee
$550
Network
amex
Welcome value
~$600
Min spend
$6,000 / 6mo

Top earning rates

  • 14×Hotels and resorts within the Hilton Portfolio · Hilton Honors
  • 7×Flights and car rentals · Hilton Honors
  • 7×U.S. Restaurants · Hilton Honors
  • 3×All other eligible purchases · Hilton Honors

Key benefits

  • Free Night Reward at $30k (Spend Tier) · $350
  • Annual Free Night Reward · $350
  • $219 CLEAR+ Credit · $219
  • $200 Flight Credit · $50
  • Complimentary Hilton Honors Diamond Status · $0
Full American Express Hilton Honors Aspire 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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