Rental car insuranceGetting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.Carried by 186 of 581 cards in the catalog
American Express
Delta SkyMiles® Platinum American Express
$350 a yearEverything this card owes you
3statement credits
$390at face value, a year
13protections included
4spend categories that earn extra
2 of those 3 credits pay nothing until they are activated.
Delta Stays credit$150
Rideshare credit$120
Resy dining credit$120
What the number is made of
Your card carries $390 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
CreditJFMAMJJASONDWould you use it?
Delta Stays credit$150face value$0you get backresets once a yearshared
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$350Charged in full, every year, whether you collect or not.
Your effective annual fee$350What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
How to activate each credit
Rideshare creditsteps not documented$120
Steps for this credit haven't been documented yet — check the issuer's app to activate it.
Resy dining credit3 steps$120
- Enroll the card in the dining benefit
- Link the card inside your Resy account
- Pay at a participating restaurant with this card
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
6 protections included on this card
Rental car insuranceGetting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.Carried by 186 of 581 cards in the catalog
Purchase protectionSometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits.Carried by 146 of 581 cards in the catalog
Extended warrantyWhat if the color fades on your new flat-screen TV? Or your food processor starts rattling instead of slicing and dicing? Chances are it will happen right after the Manufacturer's Warranty runs out. Fortunately, when you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories.Carried by 178 of 581 cards in the catalog
Travel & emergency assistanceWhenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.Carried by 342 of 581 cards in the catalogWhat you get in
Access and status
7 access and status perks on this card
Hertz Five Star® StatusTransform your car rental experience with Hertz Five Star Status, compliments of your Delta Platinum Card.Not tracked across the catalog yetBefore the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 2 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 3 credit values on this page reconcile to the published catalog total of $390. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.
Put it against another card