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COMPARE/DELTA SKYMILES® PLATINUM AMERICAN EXPRESS CARD VS THE RITZ-CARLTON CREDIT CARD
FIRST CARD
SECOND CARD

Delta SkyMiles® Platinum American Express Card or The Ritz-Carlton Credit Card?

Delta SkyMiles® Platinum American Express Card returns $40 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Platinum American Express CardAmerican Express · $350 fee · 3 credits
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE+$40$390 credits
NET VALUE-$120$330 credits
BEST NET VALUE
Delta SkyMiles® Platinum American Express Card
AMERICAN EXPRESSDelta SkyMiles® Platinum American Express Card
FEE$350
CREDITS$390
NET+$40
Category wins2 of 3
ADDITIONAL BENEFITS
AIRLINE COMPANION CERTIFICATES
Delta Main Cabin Companion Certificate
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins1 of 3
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE DELTA SKYMILES® PLATINUM AMERICAN EXPRESS CARD IF

You use food & dining, transportation. Food & Dining and Transportation alone are worth $240 here and nothing on the The Ritz-Carlton Credit Card.

TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel.

Where to use each card

DELTA SKYMILES® PLATINUM AMERICAN EXPRESS CARD
🍽️
Resy Credit Restaurants10830 LOCATIONS
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THE RITZ-CARLTON CREDIT CARD
🛫
Airport Lounges48 LOCATIONS
Browse →
Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

Which is better, Delta SkyMiles® Platinum American Express Card or The Ritz-Carlton Credit Card?

The Delta SkyMiles® Platinum American Express Card is better with $40 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Delta SkyMiles® Platinum American Express Card wins by $160/year.

What's the difference between Delta SkyMiles® Platinum American Express Card and The Ritz-Carlton Credit Card?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $390 in annual benefits, while Delta SkyMiles® Platinum American Express Card has a $350 annual fee and $330 in annual benefits. The annual fee difference is $100.

Which has a lower annual fee, Delta SkyMiles® Platinum American Express Card or The Ritz-Carlton Credit Card?

The Delta SkyMiles® Platinum American Express Card has a lower annual fee at $350 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the Delta SkyMiles® Platinum American Express Card worth it compared to the Ritz-Carlton Credit Card?

Yes, the Delta SkyMiles® Platinum American Express Card offers better value with $40 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Amex vs Chase: which issuer is better?

For these specific cards, Amex's Delta SkyMiles® Platinum American Express Card offers better value with $40 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for travel?

The Ritz-Carlton Credit Card is better for travel with $300 in annual travel benefits compared to $150 for the Delta SkyMiles® Platinum American Express Card.

Should I get the Delta SkyMiles® Platinum American Express Card?

If you're deciding between the Delta SkyMiles® Platinum American Express Card and The Ritz-Carlton Credit Card, the Delta SkyMiles® Platinum American Express Card is the better choice with $40 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE DELTA SKYMILES® PLATINUM AMERICAN EXPRESS CARD COMPARISONS

MORE THE RITZ-CARLTON CREDIT CARD COMPARISONS