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Side-by-side

Delta SkyMiles Reserve Amex vs The Platinum Card from American Express Exclusively for Charles Schwab

Both are travel travel cards. The Delta SkyMiles Reserve Amex comes from American Express at $650/yr; the The Platinum Card from American Express Exclusively for Charles Schwab from American Express at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

Both cards come from American Express and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The The Platinum Card from American Express Exclusively for Charles Schwab costs $45 more per year, only worth it if you'll actually use the upgraded perks.

FeatureDelta SkyMiles Reserve AmexThe Platinum Card from American Express Exclusively for Charles Schwab
Annual fee$650$695
Sign-up bonus100,000 milesUp to 80,000 Membership Rewards points
Bonus value (est.)$1,100$1,440
Min spend to unlock bonus-$8,000 in 6 mo
IssuerAmerican ExpressAmerican Express
Card categorytraveltravel
Best earning category (Travel)3x1x
Transfer partnersNoneamex-mr
Headline benefits
  • SkyClub access
  • First/Comfort+ companion cert
  • 100k miles bonus
  • Centurion access
  • Invest with Rewards 1.1c/pt into Schwab
  • Centurion + Priority Pass + Delta Sky Club
  • 5X flights, 5X prepaid hotels
  • $1,500+ in annual credits
Read the full review
Delta SkyMiles Reserve Amex
$650/yr · 100,000 miles
Read the full review
The Platinum Card from American Express Exclusively for Charles Schwab
$695/yr · Up to 80,000 Membership Rewards points

Editorial take: Delta SkyMiles Reserve Amex

Only worthwhile if you actually use Delta SkyClubs, the access alone is worth the fee for frequent Delta flyers. The upgraded companion cert (can be used on First/Comfort+) is a big perk over the standard Platinum version.

Editorial take: The Platinum Card from American Express Exclusively for Charles Schwab

The premium Platinum for Schwab brokerage customers. Same lounge access, FHR, and credit suite as the Personal Platinum, but the killer feature is Invest with Rewards at 1.1 cents per point cash-into-brokerage — the highest fixed-value MR redemption in the program. Best for cardholders who don't max out airline transfer partners.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Amex or The Platinum Card from American Express Exclusively for Charles Schwab?
The The Platinum Card from American Express Exclusively for Charles Schwab has the bigger bonus, Up to 80,000 Membership Rewards points, worth roughly $1,440, versus 100,000 miles (~$1,100) on the Delta SkyMiles Reserve Amex.
Is the Delta SkyMiles Reserve Amex's $650 annual fee worth it compared to the The Platinum Card from American Express Exclusively for Charles Schwab?
Premium cards like the Delta SkyMiles Reserve Amex ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The The Platinum Card from American Express Exclusively for Charles Schwab at $695/yr trades some perks for a lower commitment.
Can I have both the Delta SkyMiles Reserve Amex and The Platinum Card from American Express Exclusively for Charles Schwab?
Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Reserve Amex or the The Platinum Card from American Express Exclusively for Charles Schwab first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Amex: no published min spend. The Platinum Card from American Express Exclusively for Charles Schwab: $8,000 in 6 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.