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Last Updated: 10/08/2025

Delta SkyMiles® Platinum American Express Card

in Credit Cards from American Express® National Bank

Last Updated: 10/08/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
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Highlights

Purchase APR (Variable APR)

19.99% - 28.99%(Verified 09/19/2025)
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Balance Transfer APR (Variable APR)

20.99% - 29.99%(Verified 11/24/2024)
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Credit Score Range

N/A

Annual Fee

$350
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Delta SkyMiles® Platinum American Express Card Review

This is a travel card issued by American Express® National Bank. If you're wondering whether Delta SkyMiles® Platinum American Express Card is the right card for you, read on.

Key Takeaways

  • Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
  • APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.99%.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Accepts cosigners. American Express® National Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.

Pros & Cons of Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card FAQ

Does Delta SkyMiles® Platinum American Express Card have a cash back or rewards program?

Delta SkyMiles® Platinum American Express Card is a travel rewards card.

Does Delta SkyMiles® Platinum American Express Card have a signup bonus?

Yes. Earn 90,000 Bonus Miles after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.

Does Delta SkyMiles® Platinum American Express Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Delta SkyMiles® Platinum American Express Card benefits?

Delta SkyMiles® Platinum American Express Card provides the following benefits:
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Delta SkyMiles® Platinum American Express Card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.
Delta SkyMiles® Platinum American Express Card has a variable purchase APR that ranges from 19.99% up to 28.99%. The card has a variable balance transfer APR that ranges from 20.99% up to 29.99%. It also has a variable cash advance APR of 29.24% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Delta SkyMiles® Platinum American Express Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Delta SkyMiles® Platinum American Express Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Delta SkyMiles® Platinum American Express Card?

This card charges an annual fee of $350*$350 .

Does Delta SkyMiles® Platinum American Express Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Delta SkyMiles® Platinum American Express Card?

The customer service number for Delta SkyMiles® Platinum American Express Card is (800) 528-4800.

What is the support contact email for Delta SkyMiles® Platinum American Express Card?

The support contact email for Delta SkyMiles® Platinum American Express Card is info@americanexpress.com.

What is the login page for Delta SkyMiles® Platinum American Express Card?

You can access the login page of Delta SkyMiles® Platinum American Express Card here.

How do people rate the customer service and user experience of Delta SkyMiles® Platinum American Express Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Delta SkyMiles® Platinum American Express Card report your account activity to credit bureaus?

Yes, Delta SkyMiles® Platinum American Express Card reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does American Express® National Bank perform a hard credit pull?

Yes, Delta SkyMiles® Platinum American Express Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Delta SkyMiles® Platinum American Express Card

  • Visit the website of Delta SkyMiles® Platinum American Express Card.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

Delta SkyMiles® Platinum American Express Card Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. All information about Delta SkyMiles® Platinum American Express Card has been collected independently by SuperMoney. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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