Delta SkyMiles Blue vs Platinum (Morgan Stanley)
Delta SkyMiles Blue
$0/yr
7.0/10
VS
Platinum (Morgan Stanley)
$895/yr
5.5/10
Quick Answer
Delta SkyMiles Blue charges no annual fee with 1X base rewards. Platinum (Morgan Stanley) charges $895/yr with 1X base rewards. Delta SkyMiles Blue offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Delta SkyMiles Blue
Lower annual fee ($0 vs $895)
Rewards Earning
Delta SkyMiles Blue
3 earning categories
Benefits & Protection
Delta SkyMiles Blue
0 benefits vs 0
Statement Credits
Platinum (Morgan Stanley)
$1439 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Delta SkyMiles Blue wins for most people
The $895 fee difference is hard to justify unless you maximize premium benefits.
Apply for Delta SkyMiles BluePREMIUM PICK
Platinum (Morgan Stanley) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Morgan Stanley)Rewards Earning: Detailed Comparison
Delta SkyMiles Blue
| Delta purchases | 2.0X |
| Dining (including takeout & delivery) | 2.0X |
| Everything else | 1.0X |
Platinum (Morgan Stanley)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |