Delta SkyMiles Gold vs Platinum (Morgan Stanley)
Delta SkyMiles Gold
$150/yr
6.0/10
VS
Platinum (Morgan Stanley)
$895/yr
5.5/10
Quick Answer
Delta SkyMiles Gold charges $150/yr with 1X base rewards. Platinum (Morgan Stanley) charges $895/yr with 1X base rewards. Delta SkyMiles Gold 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 Gold
Lower annual fee ($150 vs $895)
Rewards Earning
Delta SkyMiles Gold
4 earning categories
Benefits & Protection
Delta SkyMiles Gold
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 Gold wins for most people
The $745 fee difference is hard to justify unless you maximize premium benefits.
Apply for Delta SkyMiles GoldPREMIUM 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 Gold
| Delta purchases | 2.0X |
| US supermarkets | 2.0X |
| Dining worldwide | 2.0X |
| Everything else | 1.0X |
Platinum (Morgan Stanley)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |