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 Mastercard (legacy, Wells Fargo)
Both are travel travel cards. The Delta SkyMiles Platinum Amex comes from American Express at $350/yr; the Bilt Mastercard (legacy, Wells Fargo) from Bilt / Wells Fargo 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 ($990 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Delta SkyMiles Platinum Amex first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.
| Feature | Delta SkyMiles Platinum Amex | Bilt Mastercard (legacy, Wells Fargo) |
|---|---|---|
| Annual fee | $350 | $0 |
| Sign-up bonus | 90,000 miles | Closed to new applicants |
| Bonus value (est.) | $990 | $0 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | American Express | Bilt / Wells Fargo |
| Card category | travel | travel |
| Best earning category (Travel) | 3x | 2x |
| 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 Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Editorial take: Bilt Mastercard (legacy, Wells Fargo)
Closed to new applicants. Bilt launched its 2.0 portfolio (Blue / Obsidian / Palladium) on February 7, 2026 with Cardless as the new issuer. Existing Wells Fargo Bilt Mastercard holders are being migrated; new applicants should apply for one of the Bilt 2.0 tiers via biltrewards.com.
Common questions
- Which card has the bigger sign-up bonus, Delta SkyMiles Platinum Amex or Bilt Mastercard (legacy, Wells Fargo)?
- The Delta SkyMiles Platinum Amex has the bigger bonus, 90,000 miles, worth roughly $990, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
- Is the Delta SkyMiles Platinum Amex's $350 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
- 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 Mastercard (legacy, Wells Fargo)'s, pick the one whose perks you'll actually use.
- Can I have both the Delta SkyMiles Platinum Amex and Bilt Mastercard (legacy, Wells Fargo)?
- Yes, since they're from different issuers (American Express and Bilt / Wells Fargo) 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 Mastercard (legacy, Wells Fargo) first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Amex: no published min spend. Bilt Mastercard (legacy, Wells Fargo): $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.