Delta SkyMiles® Gold American Express Card or American Express Platinum (Morgan Stanley)?
American Express Platinum (Morgan Stanley) returns $2,081 over its fee and Delta SkyMiles® Gold American Express Card returns $50, so the fee difference comes down to which categories you use.
| CATEGORY | DELTA SKYMILES® GOLD AMERICAN EXPRESS CARD | PLATINUM (MORGAN STANLEY) |
|---|---|---|
| 🌎Travel | $100 | $1,009 |
| ✨Lifestyle | — | $967 |
| 🍽️Food & Dining | — | $580 |
| 🎭Entertainment & Media | — | $300 |
| 🚗Transportation | — | $300 |
| Total credits | $100 | $2,976 |
| Annual fee | $150 | $895 |
| Net value | -$50 | +$2,081 |
You use travel, lifestyle, food & dining, or any of its 5 winning categories. Lifestyle and Food & Dining and Entertainment & Media and Transportation alone are worth $2,147 here and nothing on the Delta SkyMiles® Gold American Express Card.
Where to use each card
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Frequently asked questions
Which is better, Delta SkyMiles® Gold American Express Card or American Express Platinum (Morgan Stanley)?
The American Express Platinum (Morgan Stanley) is better with $2,081 net annual value compared to the Delta SkyMiles® Gold American Express Card at -$50. The American Express Platinum (Morgan Stanley) wins by $2,131/year.
What's the difference between Delta SkyMiles® Gold American Express Card and American Express Platinum (Morgan Stanley)?
The key differences: American Express Platinum (Morgan Stanley) has a $895 annual fee and $2,976 in annual benefits, while Delta SkyMiles® Gold American Express Card has a $150 annual fee and $100 in annual benefits. The annual fee difference is $745.
Which has a lower annual fee, Delta SkyMiles® Gold American Express Card or American Express Platinum (Morgan Stanley)?
The Delta SkyMiles® Gold American Express Card has a lower annual fee at $150 compared to the American Express Platinum (Morgan Stanley) at $895. However, the American Express Platinum (Morgan Stanley) offers $2,976 in total annual benefits.
Is the American Express Platinum (Morgan Stanley) worth it compared to the Delta SkyMiles® Gold American Express Card?
Yes, the American Express Platinum (Morgan Stanley) offers better value with $2,081 net annual value compared to -$50 for the Delta SkyMiles® Gold American Express Card. Even though it has a higher annual fee ($895 vs $150), the American Express Platinum (Morgan Stanley) provides more total benefits.
Which card is better for lifestyle?
The American Express Platinum (Morgan Stanley) is better for lifestyle with $967 in annual lifestyle benefits compared to $0 for the Delta SkyMiles® Gold American Express Card.
Should I get the American Express Platinum (Morgan Stanley)?
If you're deciding between the Delta SkyMiles® Gold American Express Card and American Express Platinum (Morgan Stanley), the American Express Platinum (Morgan Stanley) is the better choice with $2,081 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.