$150/yrDelta SkyMilesNo foreign feeAmexUsually needs 670+
View issuer offerComparison brief
Delta SkyMiles Gold vs. Delta SkyMiles Platinum
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Both cards share the same 2x rate on dining and groceries — the $200 gap between Gold ($150) and Platinum ($350) mostly buys a 3x direct-hotel rate and a companion certificate after renewal, not a bigger everyday multiplier. Gold's credits (hotel bookings, a spend-threshold flight credit, rideshare) are all modeled as hard to use; Platinum has no flight credit, but swaps in a hard-to-use Resy dining credit plus an easy-to-use Global Entry/TSA PreCheck credit worth about $30/year, so the decision comes down to hotel spend and how much a companion certificate is worth to you.
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Overview
$350/yrDelta SkyMilesNo foreign feeAmexUsually needs 670+
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Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Delta Airfare
- Delta SkyMiles Gold
- 2x
- Delta SkyMiles Platinum
- 3xHighest
Dining
- Delta SkyMiles Gold
- 2x
- Delta SkyMiles Platinum
- 2x
Groceries — in store
- Delta SkyMiles Gold
- 2x
- Delta SkyMiles Platinum
- 2x
Groceries — online
- Delta SkyMiles Gold
- 2x
- Delta SkyMiles Platinum
- 2x
Hotels outside issuer portals
- Delta SkyMiles Gold
- 1x
- Delta SkyMiles Platinum
- 3xHighest
Other Delta Purchases
- Delta SkyMiles Gold
- 2x
- Delta SkyMiles Platinum
- 3xHighest
Everything else
- Delta SkyMiles Gold
- 1x
- Delta SkyMiles Platinum
- 1x
| Category | Delta SkyMiles Gold | Delta SkyMiles Platinum |
|---|---|---|
| Delta Airfare | 2x | 3xHighest |
| Dining | 2x | 2x |
| Groceries — in store | 2x | 2x |
| Groceries — online | 2x | 2x |
| Hotels outside issuer portals | 1x | 3xHighest |
| Other Delta Purchases | 2x | 3xHighest |
| Everything else | 1x | 1x |
Highest marks the highest listed rate, on each card that ties for it; a row where every card ties is not marked. Muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Delta Stays Credit
- Delta SkyMiles Gold
- $0/yr estimated usableUp to $100/yrConditional
- Delta SkyMiles Platinum
- —
Delta Flight Credit
- Delta SkyMiles Gold
- $0/yr estimated usableUp to $200/yrConditional
- Delta SkyMiles Platinum
- —
Rideshare Credit
- Delta SkyMiles Gold
- $0/yr estimated usableUp to $120/yrConditional
- Delta SkyMiles Platinum
- —
Delta Stays Credit
- Delta SkyMiles Gold
- —
- Delta SkyMiles Platinum
- $0/yr estimated usableUp to $150/yrConditional
Rideshare Credit
- Delta SkyMiles Gold
- —
- Delta SkyMiles Platinum
- $0/yr estimated usableUp to $120/yrConditional
Resy Credit
- Delta SkyMiles Gold
- —
- Delta SkyMiles Platinum
- $0/yr estimated usableUp to $120/yrConditional
Global Entry / TSA PreCheck
- Delta SkyMiles Gold
- —
- Delta SkyMiles Platinum
- $30/yr estimated usableEasy to use
Estimated usable credit value
- Delta SkyMiles Gold
- $0/yr
- Delta SkyMiles Platinum
- $30/yr
Maximum face value
- Delta SkyMiles Gold
- $420/yr
- Delta SkyMiles Platinum
- $420/yr
| Credit | Delta SkyMiles Gold | Delta SkyMiles Platinum |
|---|---|---|
| Delta Stays Credit | $0/yr estimated usable Up to $100/yr Conditional | — |
| Delta Flight Credit | $0/yr estimated usable Up to $200/yr Conditional | — |
| Rideshare Credit | $0/yr estimated usable Up to $120/yr Conditional | — |
| Delta Stays Credit | — | $0/yr estimated usable Up to $150/yr Conditional |
| Rideshare Credit | — | $0/yr estimated usable Up to $120/yr Conditional |
| Resy Credit | — | $0/yr estimated usable Up to $120/yr Conditional |
| Global Entry / TSA PreCheck | — | $30/yr estimated usable Easy to use |
| Estimated usable credit value | $0/yr | $30/yr |
| Maximum face value | $420/yr | $420/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
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