Be the Traveler You Always Wanted to be with Platinum Delta SkyMiles® Credit Card: Review

Nov 01, 2016 | 2 Comments

Delta Platinum Skymiles Credit Card

The Platinum Delta SkyMiles® Credit Card is designed to help Delta fans earn miles and save money on travel. Its most defining feature is a rewards program that offers annual mileage bonuses and a free companion ticket each year. Furthermore, it provides convenient benefits like no foreign transactions fees, additional insurance coverage, and priority boarding.

The Platinum Delta SkyMiles® Credit Card is ideal for someone who can pay off their credit card bill in full every month and can help them lower their travel costs and get rewarded for their loyalty to Delta Airlines. Let’s take a look at the main card features and benefits.

SkyMiles Best Features

If you’re thinking of applying for a Platinum Delta SkyMiles credit card, the first thing you should know is this card has a $195 annual fee. However, for most customers, the bonus miles and annual companion certificate outweigh the cost of the annual fee.

  • Sign up bonus: Right now, new cardholders get 5,000 Medallion Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases in the first three months. New cardholders also get a $100 statement credit after you make a Delta purchase within the first three months.
  • Companion Certificate: Each year you renew your card you get a free companion certificate for a domestic, main cabin round-trip ticket. For many customers, this free annual ticket alone makes up for the $195 annual fee.
  • Annual Miles Boost: Each year, cardholders get 10,000 Medallion Qualification Miles (MQMs). If you spend 25,000 on purchases in a calendar year, you can get 10,000 additional bonus miles. And if you send $50,000 in a year, you’ll get 10,000 more.

TIP: Use your Platinum Delta SkyMiles® Credit Card to book entertainment for your next trip. Customers are treated to exclusive access to ticket presales for Broadway shows, concerts, sporting events, and more.

Still not Convinced?

If the bonus miles and free annual companion ticket aren’t enough to entice you, the Platinum Delta SkyMiles® Credit Card comes with a host of other perks that make travel a luxurious and rewarding experience.

  • No foreign transaction fees: No foreign transaction fees for purchases made while traveling outside of the United States
  • Double miles on Delta purchases: Get 2 miles for every dollar you spend on Delta purchases
  • Free first checked bag: Save up to $50 on each round trip
  • Priority boarding: No more stressing about snagging space for your carry-ons
  • In-flight purchase and Sky Club discounts: Get access to Delta Sky Club at a reduced cost and 20% savings on certain in-flight purchases
  • Extra insurance: Get additional coverage for rental cars, travel accidents, and lost baggage

TIP: Use your Platinum Delta SkyMiles® Credit Cardto make large purchases. Customers get extended warranties above the manufacturer’s warranty, in addition to coverage if something breaks or gets stolen.

Platinum Delta SkyMiles Fees Explained

Before signing up for any credit card, it’s important to read the fine print first. Here’s what you need to know about the Platinum Delta SkyMiles credit card fees.

  • Annual fee: The annual fee for this card is $195, but it includes valuable perks like a free annual companion ticket, free first checked bag, and no foreign transaction fees
  • Late fee or returned payment: Up to $37, plus a penalty APR increase
  • Balance transfer and cash advance: Either $5 or 3% of the amount of each transfer or cash advance, whichever is greater

TIP: Sign up for a free service like Mint to track your credit card spending and cash balances. It will be easier to pay your credit card balance off in full each month if you always know where you stand.

Should You Go Delta?

While this card hosts an impressive line up of rewards and perks, let’s take a closer look to make sure this is the right card for you.

Who this card is for:

  • People who fly Delta and travel often
  • People who pay off their credit card balance each month
  • People who have high enough incomes to meet bonus mile spending requirements
  • People who plan on using their credit card often

Who this card isn’t for:

  • People with limited or bad credit
  • People who are looking for a low APR and balance transfer rate
  • People who are trying to pay off debt
  • People who usually carry a credit card balance

Airline Credit Cards Compared

Airline Credit Cards Annual Fee Free Checked Bags Lounge Access Companion Ticket Foreign Transaction Fee Priority Boarding Other
Gold Delta SkyMiles® Credit Card from American Express $95 First checked bag waived for you and up to 8 guests Discounted single-visit passes of $29 each for you and two guests None None Yes In-flight discounts
Platinum Delta SkyMiles® Credit Card $195 First checked bag waived for you and up to 8 guests Discounted single-visit passes of $29 each for you and two guests Yes, one domestic economy class ticket per year None Yes In-flight discounts and easier to obtain elite status
Delta Reserve® Credit Card from American Express $450 First checked bag waived for you and up to 8 guests Free membership for you and discounted pass for 2 guests Yes, one domestic First or Main Cabin class ticket per year None Yes Upgrade priority, in-flight discounts, easier to obtain elite status, and priority check-in
Alaska Airlines Visa Signature® Credit Card $75 First checked bag waived for you and up to 6 guests None Yes, one economy class ticket per year None No -
JetBlue MasterCard® $0 None None None None No In-flight discounts
JetBlue Plus MasterCard® $99 First checked bag waived for you and up to 3 guests None None None No In-flight discounts, easeier to obtain elite status, and $100 annual statement credit toward Jetblue Getaways package
British Airways Visa Signature® Card $95 None None Yes, when you make $30,000 in annual purchases None None -
Southwest Airlines Rapid Rewards® Plus Credit Card $69 (All checked bags are already free) None None 3% of each transaction No Anniversary points bonus
Southwest Rapid Rewards® Premier Credit Card $99 (All checked bags are already free) None None None No Anniversary points bonus
United MileagePlus® Explorer Card $95 First checked bag waived for you and 1 guest Two free one-time United Club passes None None Yes -
United MileagePlus® Club Card $450 First and second checked bag waived for you and one guest Free membership for you and access for 2 guests None None Yes Priority check-in, priority security lanes, priority baggage handling, and Hyatt Platinum status
Citi® / AAdvantage® Gold MasterCard® $50 None None None 3% of each transaction No In-flight discounts
Citi® AAdvantage® Platinum Select® MasterCard® $95 First checked bag waived for you and 4 guests None None None Yes In-flight discounts
Citi® AAdvantage® Executive World Elite™ MasterCard® $450 First checked bag waived for you and up to 8 guests Free membership for you and access for 2 guests None None Yes Statement credit for Global Entry/TSA Precheck, in-flight savings, priority check-in, and priority airport screening

Platinum Delta SkyMiles Credit Card is Made for Travelers

For customers who travel often and like to do so in luxury, this credit card offers ways to enjoy the perks of elite status without the cost. Ultimately, this card is best for someone who already flies Delta Airlines and wants to be rewarded for their loyalty.

In order to reap all the rewards, cardholders should also be comfortable using the card regularly and paying it off in full each month. Since the annual bonus miles are based off annual spending, it’s also best if the cardholder has a high enough income to be able to meet the $25,000 or $50,000 annual spending requirements to get the bonus miles. If this sounds like you, then the Platinum Delta SkyMiles® Credit Card could be an excellent choice for your next credit card.

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MyBankTracker
Tuesday, 14 Jun 2016 5:23 PM
<p>Do you use a different airline or travel credit card?</p>
kelly_sheldrick
Sunday, 12 Jun 2016 10:09 AM
<p>My brother has this credit card and he loves all the benefits - free checked luggage, no overseas charges (which is great for him as he spends more time travelling then at home) and good insurance cover. I don't fly delta that often, but I could definitely see the benefits if you are a Delta frequent flyer.</p>