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Platinum Delta SkyMiles American Express: Full benefits guide

by on Wed October 10, 2012 • 4 Comments

We’ve waded through the fine print and here is a comprehensive list of benefits  associated with the Platinum Delta SkyMiles® Credit Card from American Express. They are subject to change — and please check the fine print at for the latest details before making decisions based on the coverage. We assume no liability for decisions made based upon information on this site.

Click here for a secure link to the application

Delta and reward benefits

Medallion Qualification miles. Receive 10,000 Medallion Qualification Miles (MQMs) each year you reach $25,000 in eligible purchases during a calendar year. Get an additional 10,000 MQMs when you reach $50,000 in spending in a calendar year.

2 miles per dollar on Delta purchases, 1 mile per dollar on all others. Includes Delta flights, fees, and vacation package purposes. Fees, interest charges, balance transfers, cash advances, purchases of traveler’s checks, the purchase or reloading of prepaid cards and purchases of other cash equivalents do not earn miles.

First checked bag free. You can save the $25 each way first checked bag fee for you and up to 9 people in the same reservation. Just make sure your reservation has your SkyMiles frequent flyer number listed and the benefit will apply, you don’t need to use the card to purchase the ticket. Only works when your first flight is operated by Delta or Delta Connections (partners like Alaska Airlines don’t waive the bag fee). The benefit is only active for the SkyMiles account of the primary (not additional) card holder.

Priority boarding. Receive Zone 2 priority boarding on Delta and Delta Connection flights for you and up to 9 people on your reservation. The benefit is tied to your SkyMiles number and you don’t need to use the card to purchase the ticket.

20% discount on in-flight purchases. Save 20% on food, beverage and entertainment purchases made in-flight with your card. Excludes duty free purchases.

‘Pay with miles’ option. Use your card to use miles as cash toward flight purchases – one mile is worth $0.01 to flights, so you can get for example $100 in savings for 10,000 miles.

SkyClub entry fee discount. Enter the Delta SkyClubs for $25 per visit, and bring up to two companions for $25 per guest.

Protection benefits

Baggage insurance (not available with Gold Delta SkyMiles Credit Card). This is an enhancement to the benefits not found with the base Gold Delta SkyMiles credit card. You get $500 in reimbursement for damage to or loss of checked baggage when you use the card to pay for the flight in full. Coverage also applies to your spouse / domestic partner and dependent children under 23 years old.  There is a $250 maximum benefit for high risk items like jewelry, sporting equipment, photo equipment, and computers.

Purchase protection. If a purchase you make on the card is stolen or damaged within 90 days of the purchase, you can receive up to $1,000 for any one incident, and up to $50,000 for all incidents in a year. You must file a claim within 60 days of the incident.

Return protection. If you try to return a designated item within 90 days from the date of purchase and the merchant won’t take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling, and up to a maximum of $1,000 annually per Cardmember Account.

Exclusions include  animals and living plants; one-of-a-kind items (including antiques, artwork, and furs); limited edition items; going-out-of-business sale items; consumable or perishable items with limited life spans (such as perfume, light bulbs, non-rechargeable batteries); jewelry (including, but not limited to, loose gems, precious stones, metals, and pearls); watches; services and additional costs (such as installation charges, warranties, shipping, or memberships); rare and precious coins; used, altered, rebuilt and refurbished items; custom-built items, cellular phones; pagers; compact discs; digital video discs; mini discs; audiotapes; videotapes; computer software; firmware (such as console games, Nintendo, etc.); maps; books of any kind; health care items (such as blood pressure machines and diabetes equipment); formal wear; tickets of any kind; motorized vehicles (such as cars, trucks, motorcycles, boats, or airplanes) and their parts; land and buildings; firearms; ammunition; negotiable instruments (such as promissory notes, stamps and travelers checks); cash and its equivalent; and items permanently affixed to home, office, vehicles, etc., (such as garage door openers, car alarms).

Extended warranty. American Express will extend a warranty for up to one additional year, for a maximum of five years of total warranty coverage. Claims can have a value of up to $10,000 with up to $50,000 in losses per year.

Global assist hotline. 1-800-333-AMEX gives you access to medical, legal, and travel information. Use it for help with lost luggage, finding a doctor, and more. While there is no charge for advice, any services referred will incur a charge.

Roadside assistance. This is a dispatch service only…you will incur a charge for services. Through Roadside Assistance, American Express may arrange for basic emergency roadside services to be provided to Cardmembers including: towing to nearest available repair shop or preferred destination depending provider availability, winching, jumpstarts when a battery is dead, delivery of up to two (2) gallons of gas, locksmith service if keys are locked in the car and, changing of a flat tire if the car has a workable spare.

Car rental loss and damage insurance reimburses a Cardmember for payments for damage to or theft of a Rental Auto that the Cardmember is required to make, up to the lesser of: 1) the actual cost to repair the Rental Auto, 2) the wholesale Book value minus salvage and depreciation costs, or 3) the purchase invoice price of the Rental Auto minus salvage and depreciation costs.

The coverage also reimburses the Cardmember for reasonable charges (those charges incurred at the closest facility that are usual and customary in the vicinity in which the loss or disablement took place) imposed by the Rental Company, such as towing or storage and Loss of Use.

Rentals in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand are excluded. Vehicles with a new value of $50,000 or more and full size SUVs like the GMC Yukon and Ford Expedition are also excluded among others. The coverage is SECONDARY to your existing insurance, so your personal deductible will apply.

Travel accident insurance. If you or your spouse / domestic partner, or child under 23 dies, is dismembered, or loses sight during travel where the transportation is paid in full using the American Express card, you will be eligible for up to $100,000 in coverage. Note that tickets using frequent flyer miles where you use the card to pay for taxes and fees are not covered. However tickets using Membership Rewards points directly are eligible.

Click here for a secure link to the Platinum Delta SkyMiles American Express application

Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author\’s alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser\’s affiliate programs.


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4 thoughts on Platinum Delta SkyMiles American Express: Full benefits guide

  1. Peter

    I booked a cruise vacation for my the family on our Amex including delta flights and a cruise on Carnival over Spring Break in the middle of March. At the beginning of Feb my daughter had a serious ski accident and fractured her pelvis in 5 places. She lives 2 plane rides away or 6 hours of flying. We had to cancel the trip because the doctor said she cannot fly that long only one month later. My daughter is now recovering well but still needs a wheel chair and cannot sit long. I called delta and they refunded everything with the doctors note. I called carnival and the best they would do is take half my money. even with over a month notice they still took half my money. Does Amex cover me for this or can I dispute the charge? They wouldn’t even give me a credit on a future cruise. For more info I also booked this directly with Carnival from their website. I think it is disgusting that they would not even give a credit for future use.


  2. terry

    I am planning a round trip flight to Rome for 2 people from JFK to Rome in November 2014
    . I am looking to pay with a credit card and would like to know the best option from the list of Delta cards.
    The cost per ticket in is about $1,000 r/t per person
    I would like to be able to use my points from this purchase to upgrade or apply some of the points for payment. i will also be using the card for other travel related purposes,
    You may reach me at 917-488-6572
    Thank you.

    1. MileCards


      For an Economy class ticket it looks like odds are good you can get one for almost free. November has good availability of seats for 60,000 miles from JFK to Rome plus small taxes. To get those miles, the fastest way to earn them is to take advantage of the 50,000 mile Gold Delta SkyMiles credit card offer. You can get it by calling Amex at 877 621 2639 and mention offer code B9080003. Once you spend $1,000 on the card, the 50,000 miles will be deposited into your account. You’ll then have 51,000 miles to play with. Next step if you don’t already have another 9,000 Delta miles in your account is to apply for another card – the Amex Everyday has no annual fees and gives you 10,000 points when you spend $1,000 within 90 days. That will get you to over 60,000 total.

      You can then book one of your tickets entirely with miles, saving you the $1,000. The other ticket you can pay for with your Delta Gold card and earn double miles for the price of the ticket.

      Afterward, you can decide which card you want to keep or just keep both. The Everyday has no annual fees so few reasons not to keep it open.

      As for upgrading – it’s expensive. Business Class seats start at 125,000 miles each. If you want to upgrade a coach ticket, Delta requires that you buy a very expensive coach fare first – an ‘M’ class fare that’s usually over $2,500 roundtrip. Then you can apply 25,000 miles for each person and flight. So it’s 50,000 miles a person to upgrade one person roundtrip. Availability is limited though and you need to call Delta to check space before buying your ticket.


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