Is the Delta SkyMiles Platinum (Amex) worth it in 2026?

Keep it+$1,700 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 1.4¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus90,000 pts × 1.4¢: +$1,260
Recurring credits (if fully used): +$790
Annual fee: −$350
Year-one value: +$1,700
Ongoing (year 2+, no bonus)credits − fee: +$440

Recurring credits

Domestic Companion Certificate (anniversary)$400/yr
Delta Flight Credit ($150 after $10k spend)$150/yr
Resy Credit$120/yr
Rideshare Credit$120/yr

Apply for the Delta SkyMiles Platinum (Amex)

The application happens on Delta's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for Delta SkyMiles Platinum (Amex)iOS app coming soon

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FAQ

Is the Delta SkyMiles Platinum (Amex) worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 1.4¢ — adjust both in the calculator for your own situation.

Should I cancel my Delta SkyMiles Platinum (Amex)?

Probably not on the numbers alone — the recurring credits ($790/yr) already cover the $350 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.