Editorial take: Delta SkyMiles Platinum Amex
The companion certificate alone usually covers the annual fee on a single trip. If you fly Delta domestically at least once a year with a partner, this is worth it.
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Side-by-side
Delta SkyMiles Platinum Amex vs Bilt Blue
Both are travel travel cards. The Delta SkyMiles Platinum Amex comes from American Express at $350/yr; the Bilt Blue from Bilt / Cardless at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Delta SkyMiles Platinum Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($890 more in estimated value) than the Bilt Blue's. Get the Delta SkyMiles Platinum Amex first; revisit the Bilt Blue after you've earned that bonus.
| Feature | Delta SkyMiles Platinum Amex | Bilt Blue |
|---|---|---|
| Annual fee | $350 | $0 |
| Sign-up bonus | 90,000 miles | $100 Bilt Cash |
| Bonus value (est.) | $990 | $100 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | American Express | Column N.A. |
| Card category | travel | travel |
| Best earning category (Delta) | 3x | 1x |
| Transfer partners | None | bilt |
| Headline benefits |
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Read the full review
Delta SkyMiles Platinum Amex
$350/yr · 90,000 miles
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Editorial take: Bilt Blue
The no-fee entry tier of Bilt 2.0, launched February 7, 2026. 1X base earn on everything else, with 3X on Lyft, up to 4X at Bilt dining partners, and 3X hotels / 2X flights through the Bilt Travel portal. Best for renters who want the no-fee anchor plus full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day doubles everyday earn on the 1st up to 1,000 bonus points.
Common questions
- Which card has the bigger sign-up bonus, Delta SkyMiles Platinum Amex or Bilt Blue?
- The Delta SkyMiles Platinum Amex has the bigger bonus, 90,000 miles, worth roughly $990, versus $100 Bilt Cash (~$100) on the Bilt Blue.
- Is the Delta SkyMiles Platinum Amex's $350 annual fee worth it compared to the Bilt Blue?
- At $350/yr, the Delta SkyMiles Platinum Amex is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Blue's, pick the one whose perks you'll actually use.
- Can I have both the Delta SkyMiles Platinum Amex and Bilt Blue?
- Yes, since they're from different issuers (American Express and Column N.A.) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Delta SkyMiles Platinum Amex or the Bilt Blue first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Amex: no published min spend. Bilt Blue: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.