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 Palladium
Both are travel travel cards. The Delta SkyMiles Platinum Amex comes from American Express at $350/yr; the Bilt Palladium from Bilt / Cardless at $495/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Delta SkyMiles Platinum Amex | Bilt Palladium |
|---|---|---|
| Annual fee | $350 | $495 |
| Sign-up bonus | 90,000 miles | 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status |
| Bonus value (est.) | $990 | $1,125 |
| Min spend to unlock bonus | - | $4,000 in 3 mo |
| Issuer | American Express | Bilt / Cardless |
| 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 Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Editorial take: Bilt Palladium
Bilt 2.0's top tier ($495 AF), launched February 7, 2026 by Cardless. Stacks $400 hotel + $200 Bilt Cash + the Obsidian benefit set + Priority Pass with 2 guests. For Bilt loyalists who already hit the rent-day game hard, the math works; for everyone else, Obsidian is plenty.
Common questions
- Which card has the bigger sign-up bonus, Delta SkyMiles Platinum Amex or Bilt Palladium?
- The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 90,000 miles (~$990) on the Delta SkyMiles Platinum Amex.
- Is the Delta SkyMiles Platinum Amex's $350 annual fee worth it compared to the Bilt Palladium?
- 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 Palladium's, pick the one whose perks you'll actually use.
- Can I have both the Delta SkyMiles Platinum Amex and Bilt Palladium?
- Yes, since they're from different issuers (American Express and Bilt / Cardless) 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 Palladium first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Amex: no published min spend. Bilt Palladium: $4,000 in 3 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.