A card we have carrried and love. The American Express Platinum Card® is chock full of benefits and credits. 

You’ll also have access to Priority Pass lounges (enrollment required), Amex’s own uber lux Centurion Clubs, earn 5x points on airfare purchased directly with the airlines or Amex Travel ( up to $500,000 on these purchases per calendar year, then 1x ), access to Amex’s own Fine Hotels and Resorts program for upgrades, breakfast, and credits with a massive $600 annual hotel credit, earn $200 a year in Uber credits (enrollment required), $400 annual Resy credit (enrollment required), and their Membership Rewards are some of the best points you can possibly earn.

I love using their points to transfer to programs like Aeroplan, Singapore Airlines, Air France, Emirates, Avianca, Qantas, and many, many more.

• Earn 5X Membership Rewards® points
  • All flights and prepaid hotel bookings through American Express Travel®, Including Fine Hotels + Resorts® and The Hotel Collection bookings.
  • Flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
• $200 Uber Cash + $120 Uber One Credit:
  • You can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction.
  • Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit:
  • Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners.
    • Now includes Paramount+, YouTube Premium, and YouTube TV alongside Disney+, a Disney+ bundle, ESPN, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required
  • Enrollment required.
• $600 Hotel Credit:
  • Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®.
  • *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights by Resy:
  • When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter 
  • Platinum Nights by Resy,
    • you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• $209 CLEAR® Plus Credit:
  • CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit:
  • Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• $300 lululemon Credit:
  • Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit:
  • Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit:
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Up to $200 ŌURA Credit: (enrollment required )
  •  Up to $200 back in statement credits each calendar year when Card Members use the Platinum Card to purchase an ŌURA Ring through OURAring.com. Enrollment required. 
• Lounge Access
  • Global Lounge Collection®,
  • Access to Centurion Lounges,
  • 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations),
  • Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• Rental Car Status (enrollment required ) 
  • Hertz President’s Circle
  • Avis Preferred Plus
  • National Executive
• Hotel Status (enrollment required ) 
  • Marriott Bonvoy Gold
  • Hilton Honors Gold
  • Leading Hotels of the World Sterling Status
• $895 annual fee.
• Terms Apply.
• See Rates & Fees

• Full Review of Amex Platinum
• 17 things to do when you get your Amex Platinum 
• Best Uses of Amex Points
• How to Populate an Amex Referral Link
• Guide to Amex Offers
• How to earn Amex points from Rakuten

150k after $6k spend in 6 months along with 15x worldwide dining ( up to $25k ) was the best we ever have seen publicly through Resy. However, the 150k referral without the dining is pretty hard to beat imo.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Ever since American Express revamped the Gold card in 2018 it’s been in my wallet getting a lot of swipes. 

Earning 4x points on restaurants worldwide ( up to $50k, then 1x ), 4x on U.S. supermarkets ( up to $25k, then 1x ), 3x points on airfare purchased via Amex Travel and directly with airlines 

The Amex Gold card also earns Membership Rewards and I love using their points to transfer to programs like Aeroplan, Singapore Airlines, Air France, Emirates, Avianca, Qantas, and many, many more to access those super fancy cabins everyone loves. This is one of the absolute workhorses of my wallet.

• Earn 4X Membership Rewards(R) points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards(R) points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards(R) points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards(R) points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards(R) point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards(R) points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at U.S. Dunkin’ locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express(R) Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
• Rates and Fees;Terms Apply

• Full Review of Amex Gold
• Best Uses of Amex Points
• How to Populate an Amex Referral Link
• Guide to Amex Offers
• How to earn Amex points from Rakuten

 The best ever public has been 90k after $4k spend in 6 months + the $250 dining credit ( this was on Resy ); however, some people have gotten targeted 100k offers, but those are extremely rare.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The annual fee on the American Business Platinum Card® is very steep so you want to make sure you take a look at the benefits/credits and confirm you’ll use them every year. 

I’ve found that I earn more points from the American Express® Business Gold , but I’m able to take advantage of  a lot of statement credits, lounge access, and 35% points back on your select airline travel booked via the Amex Travel Portal. The new hotel credits, Hilton credits, and incidental airline credit outweigh the fee for me, but this will be a card that I’ll have to keep an eye on since the fee is so high.

• Enhanced! Earn 2X points on purchases 
  
  • at U.S. construction material & hardware suppliers,
  • electronic goods retailers
  • software & cloud system providers,
  • shipping providers,
  • eligible purchases of $5,000 or more,
  • up to $2 million of these purchases per calendar year.
  • Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus
• Up to $300 in statement credits semi-annually
  
  • UP to $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®.
  • The Hotel Collection requires a minimum two-night stay.
• Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe.
  
  • Benefit enrollment required.
• $200 Airline Fee Credit. 
  
  • Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
• Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies
  
  • Additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card.
  
  • That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card.
  
  • That’s up to $120 back per year. Enrollment required.
•  
  Get 35% points back
  • after you use points for flights booked through Amex Travel with your selected qualifying airline, up to 1,000,000 points back per calendar year. Terms apply
• The American Express Global Lounge Collection® 
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
•  Over 20 transfer partners: like Singapore Air, Air Canada, Air France, British Airways
• Read about our best uses of Amex Points
• Hotel Status
  
  • Marriott Gold status (enrollment required )
  • Hilton Honors Gold status (enrollment required )
  • Leaders Club Sterling Status from The Leading Hotels of the World® ( enrollment required )
• Access to Fine Hotels and Resorts
  • Amazing benefits such as free breakfast, resort credits, room upgrades, early check in, late check out, etc
    • Using Amex FHR has earned me $100s per stay each time I use it.
• Access to The Hotel Collection
  • slightly different than Fine Hotels and Resorts, but provides great benefits, credits, and upgrades
• Priority Pass Select membership  (enrollment required )
• Cell Phone Insurance
  • $800 per claim, 2x per 12 month period
  • $50 deductible per approved claim
• $895 Annual Fee.
  
  • Terms Apply.
  • See Rates & Fees

• Full Review
• Best Uses of Amex Points
• How to Populate an Amex Referral Link
• Guide to Amex Offers
• How to earn Amex points from Rakuten

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

A lot of people overlook the Amex Green card as it falls in the shadow of its premium siblings the Amex Gold and Amex Platinum. But this is a bad mammajamma earning 3x on travel, transit, dining, and has a very liberal interpretation of travel compared to other Amex cards.

Travel with the Amex Green card is defined as the following:

• Flights
• Hotels
• Tours
• Vacation Rentals
• Rideshares like Uber and Lyft
• Busses
• Taxi
• Subways and Metros
• Tolls

• Earn 40,000 Membership Rewards(R) Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership.
  • *Rates and Fees; terms apply
• Earn 3X Membership Rewards(R)
  • points on travel including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
  • transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
  • eligible purchases at restaurants worldwide, including takeout and delivery in the US.
• Up to $199 CLEAR Plus Credit:
  • Receive up to $199 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express(R) Green Card.
• No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express(R) Green Card there are no foreign transaction fees.
• $150 annual fee.
• *Rates and Fees; terms apply

• Full Review of Amex Green
• Best Uses of Amex Points
• How to Populate an Amex Referral Link
• Guide to Amex Offers
• How to earn Amex points from Rakuten

60k Membership Rewards + 20% back on travel and transit, up to $200, after $3k spend in the the first 6 months is best ever

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The American Express® Business Gold is a Membership Rewards earning machine with its 4x category bonuses.

I use this card to buy gas when on business trips, purchase online advertising to help Monkey Miles grow, and occasionally I’ll even purchase airline tickets direct from the airline. 

You can get up to $20 per month as a statement credit at FedEx, GrubHub, or Office Supply Stores and I typically use this up with GrubHub…that’s $240 of the annual fee recouped right there.

• Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com. 
• *Terms Apply
• See Rates & Fees

• Full Review
• Best Uses of Amex Points
• How to Populate an Amex Referral Link
• Guide to Amex Offers
• How to earn Amex points from Rakuten

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

This is hands down the best hotel card available. 

Not only do you get top tier Hilton Honors Diamond status, but you get an free night certificate that you can use anywhere in the world, $200 Hilton Resort credit Jan through June and another July through Dec, $200 airline credit broken into $50 quarterly credits, and the list goes on. 

If you’re at all thinking of staying at International Hilton properties, get this card ahead of time to enjoy the executive lounge access and free breakfast that comes along with Diamond Status.

This is a card we’ve had since it debuted and we get a lot from the annual night cert and top tier status to recoup the $550 annual fee.

• Free night certificate after hitting minimum spend + on your account anniversary every year
• Diamond status, top tier, as long as you maintain the card
• Up to $400 resort credit
  
  • ( not good on prepaid rates)
  • Semi Annual – $200 January to June another $200 July to December
  • Complete List of Eligible Resorts
• Up to $199 Clear® Plus Credit
• Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through amextravel.com using your Hilton Honors American Express Aspire Card
• Book a 2 night minimum stay at hiltonhonorsaspirecard.com and get up to $100 in credits for qualifying charges at participating Waldorf Astoria^® Hotels & Resorts and Conrad^® Hotels & Resorts
• 14x points at Hilton Hotels
• 7x points
  
  • U.S. restaurants,
  • airfare booked directly with the airline/Amex travel, select car rental agencies
• Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
• $550 *Rates and Fees; terms apply

• Full Review
• Compare all Hilton credit cards
• Should you buy Hilton points

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

This would be an advantageous card to hold if you’re planning on taking any international trips. Why? 

Outside the U.S., Hilton Honors Gold, which comes as a perk of this card, is valued much higher than in the U.S. You’ll often get a decent upgrade or even executive lounge/breakfast. 

• Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
• Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
• Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• Earn 3X Points for all other eligible purchases on your Card.
• Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors American Express Surpass® Card.
• Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
• As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $150 annual fee.
• Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.
• See Rates & Fees

• Compare all Hilton Credit Cards
• Should you buy Hilton Points

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

This card is for the Delta customer who flies a few times a year with a checked bag, but doesn’t hit elite status. You could easily recoup those fees with this card and enjoy 15% award flights on Delta. Make sure you look at the Amex Application Rules here 

• Enjoy a $0 introductory Annual Fee for the first year, then $150.
• Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
• When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
• Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
• Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.
• See Rates & Fees.

• Compare Delta credit cards + see about targeted offers here
• Review of Delta One Business Class

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

There are a few ways I can see keeping this card in your wallet if you’re a Delta loyalist that can recoup the $350 annual fee. Make sure you look at the Amex Application Rules here 

• You take advantage of the domestic main cabin companion certificate for flights that price over $350
• You can make use of the new statement credits that went into effect 2/1/24
• You don’t have status that wavies bag fees, but fly enough with checked bags to recoup a few first checked bag fees a year 
• You’re sitting on a lot of Delta miles and the 15% savings comes in handy when redeeming Delta award tickets

• Receive a Companion Certificate on a Delta Main round-trip flight to select destinations each year after renewal of your Card.
  • The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • Delta Basic experiences are not eligible for this benefit.
• Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year 
• Earn $1 MQD for each $20 in purchases on your Delta SkyMiles® Platinum American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• Earn 1X Miles on all other eligible purchases.
• $120 Resy Credit:
  • Get up to $10 in statement credits each month after you pay with your enrolled Delta SkyMiles® Platinum American Express Card to dine at U.S. Resy restaurants or make other eligible Resy purchases.
• $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
• Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles® Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• No Foreign Transaction Fees.
• $350 Annual Fee.
• Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.
• See Rates & Fees

• Compare Delta Amex cards + targeted offers

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

I think most people are attracted to this card because of the SkyClub access when traveling on Delta and access will change come 2/1/25. Make sure you look at the Amex Application Rules here 

However, you can get that via the Amex Platinum card which I’d argue is a much better card dollar for dollar.

The biggest reason I’d take a closer look at this card is 

You purchase at least 2 first class tickets every year for more than $650 a piece. This card comes with a domestic companion certificate that you can use on first class. You’d still need to pay taxes on that extra ticket, but that could pretty easily recoup the annual fee right there.

• Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
• Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
• Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
• $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
• Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $650 Annual Fee.
• Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.
• See Rates & Fees

Compare Amex Delta cards + see targeted offers

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

If you utilize the free first checked bag + 15% off award flights enough you could offset the ongoing annual fee. 

• Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
• Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
• Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
• Earn 1 Mile on every eligible dollar spent on other purchases.
• Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding on Delta flights.
• Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
• Pay no foreign transaction fees when you travel overseas.
• Terms and limitations apply.
• See Rates & Fees

Compare Delta Amex cards + targeted offers

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The main focus of supporting cards is to yield benefits on hotels and airlines you frequent the most or prefer. 

If you’re taking a Delta flight with someone once a year, you could probably offset the annual fee with the main cabin companion certificate. Add in some checked bags, 15% off award flights, and there is a pathway to extracting more value than the annual fee.

Honestly, after the recent Delta program changes, this card is hard to justify paying the annual fee on an ongoing basis

• Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
• Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
• Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Terms and limitations apply.
• See Rates & Fees

Compare Delta Amex cards + targeted offers

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Most people give this card a second look because of the Delta SkyClub + Centurion Lounge access when flying Delta. Personally, at this price point, the The Platinum Card® from American Express is a harder hitting card dollar for dollar even though the annual fee is more…you get more.

Where this card can actually make sense is in the free domestic roundtrip on account renewal. These are good for first class tickets, so if you’re taking at least one trip a year where you’d either want to, or normally, pay for 2 first class domestic flights, you could recoup the fee pretty easily.

Add in the 15% off Delta award flights, priority boarding, free first checked bag, etc and you’ll be ahead on the annual fee.

• Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
• Earn 3 miles per dollar on eligible Delta purchases.
• Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
• Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.  Delta Basic experiences are not eligible for this benefit.
• With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
• Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a group of four that’s a potential savings of up to $280 per round-trip flight.
• When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
• Terms and limitations apply.
• See Rates & Fees

Compare Delta Amex cards + targeted offers

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.