Credit cards are some of modern life's most unique and useful parts. It offers a convenient way for us to make purchases, build our credit score, and get access to a myriad of benefits and perks. Some of the few examples are the Delta SkyMiles Gold American Express Card and the Amex Platinum Card.
Both credit cards offer a very similar list of features and perks. They are great examples of credit cards that let you use funds for daily transactions and reward you for your travels.
Which one offers the best features and perks? Check out the article below for the differences between the Delta SkyMiles Gold and vs Amex Platinum Card.
Major Differences Between Delta SkyMiles Gold American Express Card vs Amex Platinum Card
Delta SkyMiles Gold American Express Card and Amex Platinum Card are popular travel rewards credit cards.
Both of them have similarities and differences that make them very unique.
It all depends on what you need from the specific credit card and how you can take full advantage of the perks and features of your choice.
Annual Fee
The Delta SkyMiles Gold American Express Card has zero annual fees for the first year and will charge you a $150 yearly fee afterward. Meanwhile, the Amex Platinum Card has a whopping $695 annual fee, which may be very expensive for many people.
While there are key differences between the annual charges for both cards, other benefits also outweigh the other cards.
It is best to keep reading the entire guide to decide which one fits your lifestyle and budget the most.
Getting Rewards
With the Delta SkyMiles Gold American Express Card, it is very easy to accumulate rewards by simply purchasing at your favorite supermarkets and restaurants.
You get 2x miles when you make transactions using the card and 1x miles for all other eligible purchases made with the card.
Here is where the Amex Platinum Card makes a huge leap. You get 5x Membership Rewards Points for flight and hotel bookings made through the American Express Travel portal and 1x points for other transactions.
Welcome Offers
The Delta SkyMiles Gold American Express Card takes the cake on how easy it is to unlock the welcome bonus.
You can earn 50,000 bonus miles once you spend $2,000 on transactions and purchases with your new card within the first 6 months of opening your account.
On the other hand, the Amex Platinum Card requires you to spend at least $8,000 before you're rewarded with 80,000 Membership Rewards Points for the first 6 months.
Interest Rates and Introductory APR
Interest rates vary from one cardholder to the next, however, the Delta SkyMiles Gold American Express Card charges you with a variable APR of 19.99% to 28.99% for purchases while the Amex Platinum Card will have a pay-over-time APR of up to 28.24% depending on your creditworthiness.
This will be further discussed with you when you apply for the card. Currently, neither credit card offers an introductory APR period.
Other Perks and Features You'd Like to Know
There are so many perks and features that you can enjoy with the Delta SkyMiles Gold American Express Card. You get a 20% discount on eligible in-flight purchases using the card, plus you can enjoy your first checked bag free on your Delta Airlines flights.
There is also purchase protection, car rental loss damage insurance, extended warranty protection, and fraud protection.
The Amex Platinum Card offers very high-end perks such as Uber VIP status, up to $200 airline fee credit, access to Global Lounge Collection, Platinum Travel Service, Marriot Bonvoy Hilton Honors Gold Status, and so much more.
How to Apply for the Delta SkyMiles Gold American Express Card and Amex Platinum Card
Applying for the Delta SkyMiles Gold American Express Card and Amex Platinum Card is very similar since they are from the same company.
All you need to do is visit their official website and head over to the specific credit card of your choice.
Click Apply Now, and you will know if you're eligible for your chosen card. This will not affect your credit score.
It will also determine how much of the welcome offer will be provided to you. Fill out the online application form, review the form and the terms and conditions then submit. Wait for their approval,l and you should receive your card in no time.
Contact Details
If you need assistance with your credit card, call the American Express customer service hotline at 1-800-528-4800. A representative will assist you with your concerns and inquiries.
You can also visit their main office at 200 Vesey Street, New York, NY 10285-3106.
Delta SkyMiles Gold American Express Card vs Amex Platinum Card Verdict
There is a clear distinction between the Delta SkyMiles Gold American Express Card and the Amex Platinum Card.
If you're a frequent flyer and you want to take full advantage of the Amex experience, you might want to get the Amex Platinum Card. The perks that you receive when traveling will all be worth it.
If you're not planning on flying anytime soon but still want to leave the door open for the perks, the Delta SkyMiles Gold American Express Card is the ultimate choice. You can use the card for your day-to-day transactions and then use the miles to travel occasionally.
Conclusion
It all boils down to how much you want to pay for the charges. The Delta SkyMiles Gold American Express Card wins by a margin with its lower annual fee; however, the Amex Platinum Card, with its high-end perks and features, makes the $695 annual fee more worthwhile. Frequent flyers should get the most out of this amazing credit card. Both have unique features and strong suits to cater to your credit card needs.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
