Delta Platinum vs. Delta Reserve: Shootout at the Credit Card Corral

The Travel Architect

Oct 28

I don't know 'bout you, but I'm the kind of person who insists on having two credit cards—a main and a backup. If you're tempted to roll your eyes and call me "Head Safety" as the husband does, read this to see how my prudent policy saved our asses while traveling abroad:

Near Misses and a Direct Hit: Driving in France

And incidentally, our backup card doubled as a life preserver this past summer when fraudulent activity shut down our main card for almost two weeks before a replacement card arrived.

What the . . . I didn't spend $72.55 at Paunch Burger! Photo by Mikhail Nilov on Pexels.com

Anyhow, our backup card was netting us a few bucks a year to a retailer whose products we haven't needed in over a decade. It had outlived its usefulness, so we decided it was time to get a new backup card and make it work for us.

Enter Delta.

Since our closest airport is a Delta hub, it made sense to consider their offerings. Delta does offer a Gold card for an easily recoupable $99 annual fee, but its relatively paltry perks rendered it unworthy of inclusion in my Tom Haverford-approved exclusive, high-end, VIP chart below.

Note: words in italics denote perks I have deemed superior to those of the opposing credit card. You are permitted to disagree.

Card Feature	Delta Platinum SkyMiles® Amex	Delta Reserve SkyMiles® Amex
Annual Fee	$250	$550
One-Time Bonus Miles	80,000 (after spending $4K in 6 months)	95,000 (after spending $6K in 6 months)
Foreign Transaction Fees?	Of course not.	Of course not.
Overlimit Fee	Nope, so go nuts!	Nope, so go nuts!
Airmiles earned on purchases	Hotels & all Delta purchases: 3 miles/dollar Groceries: 2 miles/dollar Restaurants: 2 miles/dollar All else: 1 mile/dollar	All Delta purchases: 3 miles/dollar All else: 1 mile/dollar
First Bag Free	For basic member only, but also up to 8 other people traveling on the same reservation with basic member	For basic member only, but also up to 8 other people traveling on the same reservation with basic member
Priority Boarding	For basic member only, but also up to 8 other people traveling on the same reservation with basic member	For basic member only, but also up to 8 other people traveling on the same reservation with basic member
Sky Club Lounge Access (3 hours max prior to flight departure; limitless on layovers)	$39 per person (for basic member, additional member, and up to 2 others on same reservation	Free for basic and additional member + 2 free guest passes annually
Centurion Lounge & Escape Lounge access	No lounge for you!	Free for basic member and additional member
Free domestic companion airfare each year upon renewal (48 contiguous states only)	main cabin only for basic member only *companion must pay for first bag	any cabin for basic member only *companion must pay for first bag
Global Entry* or TSA Pre-Check** fee comped	$100/$75* statement credit every 4 years for either basic or additional member, not both	$100/$75* statement credit every 4 years for either basic or additional member, not both
Eligible for complimentary upgrades?	'Fraid not.	Yes, but only with domestic US travel and you're in the queue behind those smug Medallion members.
Trip Insurance Included	Trip delay insurance only and the delay must be > 12 hours	Trip delay (> 6 hours), interruption, and cancellation insurance¹
Car Rental Coverage	Yep!²	Yep!²
Cellphone Protection	Yep!²	Yep!²
Extended Warranty Protection	Yep!²	Yep!²
Purchase Protection	Yep!²	Yep!²

There are actually more perks than those shown here, but these are the ones whose legalese I could make the most sense of.

¹Cancelling for illness or death only works if it happens to a "family member" [you or spouse/domestic partner or kid(s)], so if anyone else in your immediate family falls ill or dies and you have to cancel your trip, you won't be covered. Other insurance providers often have a broader definition of "family member." ² I'd reached my brain's limit of legalese for the year and thus didn't have the stamina to study the details.

All these perks made me wonder what boons and benefits I'd failed to take advantage of all these years on our main no-annual-fee credit card, so I did some research and came up with . . .

. . . a big fat goose egg. As in zero. Zip, zilch, nada.

Suddenly, Delta's annual fees looked less like a bilking from a slimy airline and more like fees for services rendered. This begs the question, "Hey, Travel Architect, since your main credit card clearly has little going for it, why don't you just use the Delta card as your main card?"

Well, you see, our main card—Bank of America Travel Rewards Visa—which regularly gets high marks in the travel credit card rankings, has something no Delta card can match: free money. Just in the last ten months alone, we've had nearly $1300 taken off our credit card bills. So as much as I like earning air miles, I really like saving money. (Aside from the British accent, the blind devotion to Arsenal FC, and the ability to quickly grasp arcane scientific concepts, it's the main way you can tell the difference between the husband and me.)

Your reign of total dominance is ending, B of A Visa!

At the moment we're leaning toward the Reserve card, even though the annual fee makes me gulp in a dramatic, badly-acted-movie kind of way. The trick, we've decided, is to save so much money with the perks that we come out even each year:

Saved baggage fees
No money spent at overpriced airport restaurants (because we'll be lounging—and eating—in the lounge)
Not purchasing additional travel insurance (Reserve card only)
Free annual companion fare (Though, in fare-ness—get it?—if we didn't have that perk, we'd probably just stay home. The perk will send us on an extra domestic trip each year and actually cost us more money. Damn those sly bankers!)
Free flights once enough airmiles have accumulated

Curse those dastardly bankers and their irresistible domestic companion fare perk! Photo by Andrea Piacquadio on Pexels.com

The plan is to use it strategically: on all travel purchases and on any big purchases where the cellphone, extended warranty, or purchase protection might come into play. So, like, not on donuts.

There's one final thing to consider if, like the husband and me, you and your partner sometimes travel solo. In case it isn't clear from the chart, when traveling alone—whichever card you choose—it's the basic member who reaps all the rewards. Naturally, I have already decreed that it is I who shall be the exalted Basic Member and the husband who shall be the lowly Additional Member. So when he goes on a spring break bikepacking trip or back to the UK to visit family? No free bags. No priority boarding. Nor can he use the companion fare to bring a friend.

It pays to be the Household Finance Minister.

A final word to cover my ass: the information contained herein is as accurate as I can make it at the time of publication. Banks regularly change their terms and conditions, so please forgive me when this inevitably falls out of date. Further, although I used that fancy "herein" a moment ago, I have no law degree, no interest in the law (aside from following it, of course), and even less natural ability at understanding legalese, so do your own research before committing. Finally, I've seen some contradictory information out there, so all the details in my chart are straight from Delta's credit card site.