American Express / Delta · card facts

Delta SkyMiles Platinum

Best viewed as a Delta benefits card rather than a lounge card.

WELCOME BONUS60k milesSpend $3,000

ANNUAL FEE$350First year: $350

CREDITSHard$270/yr advertised

LOUNGE ACCESSNo lounge access

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$1,223

Welcome bonus · TPG est.+$720

Full advertised annual credits+$270

Rewards on $36,000 benchmark spend+$583

First-year annual fee−$350

Keep / year · best case credits

+$503

Definitely keep

This recurring estimate uses the full advertised credit amount. The Hard label tells you how realistic it may be to capture all $270 of those credits.

Advertised credits$270

Credit difficultyHard

TPG Aug. 2026 value1.20¢

Annual fee$350

Fee minus advertised credits$80 cost

Credit details

$270 advertised per year · Hard to use fully

Card creditsVaries · Varies difficulty

$270 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

No lounge access

No lounge access included in the current dataset.

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.