I’d like a Delta credit card, but I’m... - Travel with Credit Cards Questions


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Credit Card Applications » Questions » User Questions » Travel with Credit Cards » I’d like a Delta credit card, but I’m torn between the Platinum and Gold....

I’d like a Delta credit card, but I’m torn between the Platinum and Gold. Which one is better?

Answered on | Updated on June 5th, 2017
The content is accurate at the time of publication and is subject to change.

If you shared with us the specifics of your Delta spendings, it would be much easier for us to suggest something. Platinum and Gold versions of American Express and Delta Airlines co-branded cards are different in sign-up bonuses, rewards and annual fees. The Gold version has 50,000 miles sign-up bonus after $2,000 spent on purchases in the first three months. The Platinum version has 60,000 miles and 10,000 after the same amount spent on purchases. The Platinum version also has a free annual companion ticket and a Miles Boost feature, which gives you 10,000 bonus miles and 10,000 MQMs after $250,000 spent in a calendar year. However, these goodies come at a price of $195 annually.

What this means is that the Platinum card pays off if you spend over $25,000 a year or you are likely to get an economy coach ticket for a friend. It is far less likely to pay off if you fly once or two a year, then the annual fee makes it not worth it.

However, there are also cards that won’t make you choose anything. For example, the Discover it® Miles credit card lets you earn easily without any hassle and there is no annual fee at all.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
  • Paul H. Barnard

    Why spend $250,000 on a Delta credit card when you could direct that spend to a Discover card that math your miles after one year. If you spend $250k, you’ll earn 375k miles. And after first usage year they turn into 750k miles! Amazing offer :-)

    • Timothy

      WOW. You’re right. I have applied for this card already, but I didn’t think that it can be so profitable

    • William K.

      WOW. I have applied for this card already, but I didn’t think that it can be so profitable

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