Amex Delta Platinum & Reserve Cards: Ride-Share Credit [2024]

When American Express recently added new benefits to its family of Delta credit cards, one of them was a new set of monthly credits that can be used with various ride-sharing services (upon enrollment). While not everyone uses ride-shares on a regular basis, it’s important to take advantage of as many of these new perks as possible, especially since the annual fees on Delta’s credit cards also recently increased.

But you can’t just start charging rides to your Delta credit card and expect to get them free. It’s a little more complicated than that. Let’s take a look at how to use these new credits so you can be sure you’re getting your money’s worth.

Which Delta Cards Have Monthly Ride-Share Credits?

This new ride-share perk doesn’t extend to the entire family of Delta co-branded credit cards — here’s the list of cards that now feature up to $10 in monthly ride-share credits:

Since all 4 of these cards have the identical ride-share benefit, you’ll want to explore the other differences across the cards if you’re trying to decide which may be right for you.

Delta Platinum Card and Delta Platinum Business Card

The Delta Platinum card and the Delta Platinum Business card are similar to each other, with 1 geared toward personal use and the other toward small businesses.

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Learn More(at Amex’s secure site)

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

UP’s Bonus Valuation*:

$1,200

APR

20.99% – 29.99% Variable

Good to Excellent (670-850)

Why We Like This Card

As a small business owner and frequent Delta flyer, the Delta SkyMiles^® Platinum Business American Express Card is your go-to credit card.

You like knowing you’re earning 3x SkyMiles per dollar for purchases with Delta; benefits like no foreign transaction fees, priority boarding, and a free checked bag each flight only sweeten the deal.

Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!

Card Highlights

• Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
• Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles^® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
• Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles^® Platinum Business American Express Card.
• Delta SkyMiles^® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
• Get your first checked bag free along with Main Cabin 1 Priority Boarding for you and up to 8 traveling companions booked under the same reservation on your next Delta flight. The reservation needs to include your SkyMiles number. Limitations apply.  For example, oversized and overweight bags are not eligible. Also, these benefits don’t apply to Delta flights operated by other airlines.
• Receive a fee credit for TSA PreCheck^® or Global Entry (which includes TSA PreCheck) by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge.
• Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles^® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Terms and limitations apply.

Financial Snapshot

• APR: 20.99% – 29.99% Variable
• Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta Air Lines SkyMiles Frequent Flyer Program

The 2 cards each feature a free checked bag when flying Delta, priority boarding, up to $120 in Resy credits each year, up to $150 in annual Delta Stays credits (up to $200 for the Delta Platinum Business card), cell phone protection, a Global Entry/TSA PreCheck application fee credit, and the ability to earn Medallion Qualification Dollars (MQDs) just by spending on the card.

The Delta Platinum card has a $350 annual fee (rates & fees), and the Delta Platinum Business card also has a $350 annual fee (rates & fees).

Delta Reserve Card and Delta Reserve Business Card

If you’re looking for a Delta credit card with all the VIP features you could ever want, the Delta Reserve card and the Delta Reserve Business card are built with high-end perks.

NEW OFFER

Terms Apply / Rates & Fees

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Learn More(at Amex’s secure site)

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

UP’s Bonus Valuation*:

$1,200

APR

20.99%-29.99% Variable

Good to Excellent (670-850)

Pros & Cons

Pros

• 3x SkyMiles per $1 on Delta purchases
• 1x SkyMile per $1 on all other eligible purchases
• Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Complimentary Delta Sky Club and Amex Centurion Lounge access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• New! Receive $2,500 Medallion^® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• New! Earn $1 Medallion^® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles^® Reserve American Express Card in a calendar year
• Enhanced! Receive a Companion Certificate on First Class, Delta Comfort+^®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card.  See terms and conditions for details.
• New! $240 Resy Credit: With the Delta SkyMiles^® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• New! $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles^® Reserve American Express Card. Enrollment Required.
• New! Delta SkyMiles^® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
• Fee Credit for Global Entry or TSA PreCheck^®: Receive $100 back for Global Entry or $85 back for TSA PreCheck^®
• New! $200 Delta Stays Statement Credit: Delta SkyMiles^® Reserve American Express Card Members can earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com.
• New! Transform your car rental experience with Hertz President’s Circle Status, compliments of your Delta SkyMiles^® Reserve American Express Card. Enrollment in the Hertz Gold Plus Rewards program is required.
• Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Access to Complimentary Upgrades and Upgrade Priority
• Free checked bag
• 20% back on inflight purchases

Cons

• $650 annual fee (rates and fees)
• No bonus categories other than Delta purchases

Card Highlights

• Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
• Enjoy complimentary access to the Delta Sky Club^® when traveling on a same-day Delta-marketed or Delta-operated flight. You will receive four Delta Sky Club One-Time Guest Passes each year. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• Enjoy complimentary access to The Centurion^® Lounge when you book a Delta flight with your Reserve Card.
• NEW! Receive $2,500 Medallion^® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• NEW! Earn $1 Medallion^® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles^® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
• ENHANCED! Receive a Companion Certificate on First Class, Delta Comfort+^®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• NEW! $240 Resy Credit: With the Delta SkyMiles^® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• NEW! $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles^® Reserve American Express Card. Enrollment Required.
• Eligible Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
• NEW! Not a Medallion Member? Delta SkyMiles^® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
• Fee Credit for Global Entry or TSA PreCheck^®: Receive $100 back for Global Entry or $85 back for TSA PreCheck^® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Earn 3X Miles on Delta purchases.
• Earn 1X Miles on all other eligible purchases.
• NEW! $200 Delta Stays Statement Credit: Delta SkyMiles^® Reserve American Express Card Members can earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com.
• NEW! Transform your car rental experience with Hertz President’s Circle Status, compliments of your Delta SkyMiles^® Reserve American Express Card. Enrollment in the Hertz Gold Plus Rewards program is required. To receive the benefit, you must add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card, register at delta.com/mypromos/eligible, and “Enroll in Promotion” at delta.com/hertz.
• No Foreign Transaction Fees.
• Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Enjoy your first checked bag free on Delta flights.
• $650 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 20.99%-29.99% Variable
• Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta SkyMiles Airline Loyalty Program

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Learn More(at Amex’s secure site)

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

UP’s Bonus Valuation*:

$1,320

APR

20.99% – 29.99% Variable

Good to Excellent (670-850)

Pros & Cons

Pros

• 3x miles per dollar on Delta purchases
• 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
• Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
• Complimentary Delta Sky Club® access and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• Complimentary Amex Centurion Lounge access when flying Delta
• MQD Headstart and MQD Boost: Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your card
• Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. See terms and conditions for details.
• Access to complimentary flight upgrades and priority boarding (Main Cabin 1)
• $240 Resy Credit: Earn up to $20 per month [in statement credits] on eligible Resy purchases using your enrolled card.
• Earn up to $10 back each month after using your enrolled card for U.S. rideshare purchases with select providers.
• Up to $250 annual statement credit after using your card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

Cons

• High annual fee
• Does not earn many miles for purchases outside of Delta spend
• Rewards are not transferable

Card Highlights

• Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
• Enter Delta Sky Club^® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• Earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
• Enjoy 3x miles per dollar on Delta purchases.
• Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles^® Reserve Business American Express Card.
• Receive a Companion Certificate on First Class, Delta Comfort+^®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• With the $240 Resy Credit, earn up to $20 per month [in statement credits] on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
• Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight.
• When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion^® Lounge or Escape Lounge – The Centurion^® Studio Partner.
• Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $250  after using your Delta Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Pay no foreign transaction fees when you travel overseas.
• Terms and limitations apply.

Financial Snapshot

• APR: 20.99% – 29.99% Variable
• Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta SkyMiles Frequent Flyer Program

With either card, you’ll get complimentary access to both Amex Centurion Lounges (when you book your same-day Delta flight with your Delta Reserve card or Delta Reserve Business card) and Delta Sky Clubs (when flying on Delta), up to $240 in annual Resy credits, eligibility for complimentary upgrades on Delta, a first checked bag free and priority boarding, and starting on your first cardmember anniversary and each year thereafter, a Companion Certificate that can be used in first class, Comfort+, or Main Cabin for just the cost of taxes and fees.

The Delta Reserve card has a $650 annual fee (rates & fees), and the Delta Reserve Business card also has a $650 annual fee (rates & fees).

How To Enroll for the Ride-Share Credits

If you have one of the 4 Delta cards with these new monthly ride-share credits, it’s extremely important that you enroll your card in this benefit before attempting to use it. Any ride-share charges made to your Delta credit card won’t earn any credits if you haven’t first enrolled the card.

Fortunately, enrollment is relatively simple, and you only have to do it once. Log into your American Express account online and scroll to the Benefits Dashboard, where you’ll find the option to enroll in various features of your Delta credit card, including the ride-share credits.

Or, if you prefer, you can also enroll by calling the number on the back of your card. Just keep in mind that regardless of which method you use, enrollment may take up to 24 hours to take effect, so plan accordingly.

Which Ride-Share Services Count for the Credits?

The good news is you don’t have to guess whether a specific ride-share service will count toward earning the monthly credits. That’s because, according to the terms and conditions of this benefit, there are exactly 5 ride-share services that are eligible: Alto, Curb, Level, Revel, and Uber.

Most people are already familiar with Uber and Lyft, but the other services might be new to you.

Curb is an app that lets you request and pay for taxis — it’s available in over 30 cities, including Boston, Chicago, Los Angeles, Miami, New York City, Philadelphia, and Washington, D.C.

Revel is a company that owns and operates a fleet of all-electric vehicles in New York City and some of the surrounding area.

Alto features luxury vehicles with service in Dallas, Houston, Los Angeles, and Miami.

Ride-Sharing Overseas

Of the 5 eligible ride-share services, only Uber operates outside of the U.S. and Canada. However, the monthly credits can only be earned on rides in the U.S., so don’t plan to try and use them when you’re overseas or across the border.

Food Delivery and Other Ride-Share Services

In addition to ride-shares, some of these companies offer other services, such as Uber Eats for food delivery and Lyft’s scooters and bike rentals. However, the terms of the monthly credits specifically note that:

“Eligible purchases do not include delivery services (for example, food, packages, groceries, pet food, toys or retail clothing), bikeshare, scooter, car rental, transit, membership, or any other non-rideshare services offered by the rideshare providers.”

So you’ll likely be out of luck if you try to use these credits for anything but ride-shares. But if you’re able to take advantage of one of these ride-share services regularly, either in your home city or when you travel, these credits should save you some money.

Hot Tip:

How To Use the Ride-Share Credits

Once you’ve enrolled your card in the ride-share benefit and chosen one of the eligible services from the list, using the credits is very easy. All you need to do is add your Delta credit card to the ride-share app and then pay for your ride with it. After the charge is posted to your account, you’ll automatically see a credit of up to $10 for it.

According to American Express, it may take up to 6 to 8 weeks after an eligible purchase is charged to the enrolled account for the statement credit to post. However, in reality, these credits usually appear on your account relatively quickly, within a few days or a week at most. But if the credit doesn’t appear, you’ll likely have to wait the full 8 weeks before you can file a complaint with Amex.

What if your ride costs less than $10? You’ll only get a credit up to the amount of your ride-share cost, but you’re able to use these credits over multiple purchases. So, if you take another ride-share in the same month, you can earn the rest of the credit that way. However, these monthly credits don’t “roll over” from month to month — you’ll need to use it or lose it.

Authorized Users

If you have an authorized user on your card, can they use the ride-share credit as well? Yes, they can, as long as the primary cardmember has enrolled their own account in the benefit.

However, you only get 1 set of credits per account — there aren’t any extra credits each month for having an authorized user. The credits are shared across all cards tied to a single account. So, if your authorized user takes a ride-share and uses up the $10 credit in a particular month, you won’t be able to use the credit that month on your own card.

Are the Ride-Share Credits Worth It?

Since these credits are effectively restricted to actual rides and can’t be used on any of the other related ride-share services, whether you typically utilize ride-shares will determine if the credits are worth it.

Many people use ride-shares multiple times a month, while others rarely need them. It’s also not unusual nowadays to rely on ride-shares when traveling to easily get around a new area instead of renting a car.

If you already use ride-shares regularly, either at home or on the road, these credits will be easy to use each month and help offset your card’s annual fee. On the other hand, if you never use ride-shares, you’ll want to ensure you’re taking advantage of the other perks of your Delta credit card to get as much value from it as possible.

Hot Tip:

Final Thoughts

While it’s never fun to have the annual fee on your credit card go up, at least Delta and American Express have added more benefits, like the new monthly ride-share credits, to help offset the extra cost. As with all credit cards, when changes happen, you should consider whether the new perks fit your lifestyle. If they don’t, it’s time to consider changing things up and looking at some new credit card options.

These Delta ride-share credits are relatively simple to use for those who take ride-shares even once or twice a month. They can easily earn you up to $120 a year in money that goes right back into your pocket, making them one of the easier new perks to take advantage of each month.

For the cell phone protection benefit of the Delta SkyMiles^® Platinum American Express Card and Delta SkyMiles^® Platinum Business American Express Card, eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For rates and fees of the Delta SkyMiles^® Platinum American Express Card, click here.
For rates and fees of the Delta SkyMiles^® Platinum Business American Express Card, click here.
For rates and fees of Delta SkyMiles^® Reserve American Express Card, click here.
For rates and fees for the Delta SkyMiles^® Reserve Business American Express Card, click here.