Delta SkyMiles Reserve vs Platinum
Delta SkyMiles Reserve
$650/yr
5.5/10
VS
Platinum
$895/yr
7.0/10
Quick Answer
Delta SkyMiles Reserve charges $650/yr with 1X base rewards. Platinum charges $895/yr with 1X base rewards. Delta SkyMiles Reserve 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 Reserve
Lower annual fee ($650 vs $895)
Rewards Earning
Delta SkyMiles Reserve
3 earning categories
Benefits & Protection
Platinum
9 benefits vs 0
Statement Credits
Platinum
$1429 in annual credits
Flexibility
Platinum
Transferable points to airline/hotel partners
OUR PICK
Delta SkyMiles Reserve wins for most people
The $245 fee difference is hard to justify unless you maximize premium benefits.
Apply for Delta SkyMiles ReservePREMIUM PICK
Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for PlatinumRewards Earning: Detailed Comparison
Delta SkyMiles Reserve
| Delta purchases | 3.0X |
| Everything else | 1.0X |
| 15% off award travel | 1.5X |
Platinum
| Flights booked directly or via Amex Travel | 5.0X |
| Hotels via Amex Travel | 5.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Delta SkyMiles Reserve (0 benefits)
See full review for benefits details.
Platinum (9 benefits)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Baggage Insurance Plan (up to $3,000)
- Premium Car Rental Protection
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
- Centurion Lounge + Priority Pass + Airline Lounges
- Global Entry/TSA PreCheck Fee Credit (up to $120)
- Hotel Elite Status