Compare the Features and Benefits of Delta SkyMiles® Platinum American Express Card and
United Quest℠ Credit Card

The Delta SkyMiles Platinum Amex card sits squarely between the ultra-premium (Reserve) and base-level annual-fee (Gold) Delta cards. While the $350 annual fee is still a sizable sum to consider, there’s a mile-long list of benefits for Delta loyalists.

With the Delta Platinum card, it’s not only easy to rack up thousands of SkyMiles from card spend alone, but you could spend your way to the finish line of Medallion status.

You’ll earn 3x bonus miles on Delta purchases and hotel bookings; 2x miles at restaurants worldwide and U.S. supermarkets; and 1x miles on all other eligible purchases.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns 1 MQD (Medallion Qualifying Dollars) for every $20 spent on eligible purchases with your Card plus $2,500 MQDs each year – just for holding the card!

With your growing balance of Delta SkyMiles, you can book Delta award flights — and enjoy a 15% discount for being a cardholder. Beyond earning and redeeming miles, there are great ways to save money through the a Global Entry or TSA PreCheck application fee credit every 4.5 years, a first free checked bag on Delta flights, cell phone protection, trip coverage, and purchase protections.

Another key benefit that may move the needle for you is the annual roundtrip companion certificate, good for domestic, Caribbean, or Central American roundtrip flights in the Main Cabin. You’ll receive this reward after paying your card’s annual fee every account anniversary (after account opening). This allows you to book a second flight for a friend or family member for the cost of government imposed taxes and fees. Pick your route wisely, as you can easily save hundreds of dollars (and pay for the $350 annual fee) with the certificate alone. (Terms apply.)

And you’ll also receive up to $390 in statement credits each year with up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card (Enrollment Required) and up to $150 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

In summary, if you like flying Delta but don’t think you can justify the cost of the higher annual fee for the Reserve level card, the Delta Platinum card may be the perfect fit for your travel needs.

Rates and fees for the Delta SkyMiles® Platinum American Express Card

The United Quest Card is a fantastic option for United flyers that travel with the airline at least several times per year. There are also a number of unique perks that you don’t see on other airline credit cards. Let’s take a closer look.

First, $200 in United® TravelBank cash after account opening and annually on your account anniversary, is easy to use since it’s sitting in your TravelBank account waiting for you to use it! You’ll also automatically get 10,000 United miles back into your account after you redeem United miles for an award flight once per year.

Finally, this card also benefits those that overpack when they travel — the Quest card provides not one, but two free checked bags for the primary card holder and one companion traveling on the same reservation. That’s a potential luggage reimbursement savings of up to $320 per round trip.

Two of the perks, the $200 United credit and up to 10,000 mileage reimbursement, already go far in making the $350 annual fee worth it, especially since these are unique benefits that aren’t duplicated on other United credit cards.

In addition to offering a generous United Quest Card bonus, the card also includes a 25% discount on food and beverages on United operated flights and a wide array of travel and purchase protections. On the bonus category front, there’s a wide array including the ability to earn 3X miles on United Airlines purchases (after the $200 United credit is applied), 2X miles on the broad category of travel, 2X miles on dining, including eligible delivery services, and 2X miles on select streaming services.

There are also a huge range of both Unique Card Benefits and Annual Statement credits as described in the sections above, like up to $100 in credits on rideshare purchases annually, up to $80 in Avis/Budget credits annually, up to $150 in JSX statement credits annually, and up to $180 of Instacart credits annually.

And don’t forget the ability to earn PQPs towards elite status from spend. Earn up to 18,000 Premier qualifying points per calendar year (1 PQP for every $20 you spend on purchases) plus the bonus 1,000 Card Bonus PQP each qualification year, starting in 2026.

More frequent United Airlines flyers may want to consider the $695-per-year United Club Infinite card, a more premium card that offers airport lounge access. Meanwhile, those United travelers who travel a bit less frequently may want to consider the $150-per-year United Explorer card.