Delta SkyMiles® Reserve vs Robinhood Platinum Card
Side-by-side comparison
| Delta SkyMiles® Reserve | Robinhood Platinum Card | |
|---|---|---|
| Annual fee | $650 | $695 |
| Welcome offer | No current offer | |
| Dining | 1x | 5x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $292 | $412 |
| Points type | Locked to Delta SkyMiles | Cash back only |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Delta SkyMiles® Reserve | Robinhood Platinum Card |
|---|---|---|
| Welcome bonus | 125,000 SkyMiles | None |
| To earn it | $15,000 in 6 months | No minimum spend |
| Est. first-year value* | $892 | $417 |
| Est. ongoing value / yr* | $-358 | $417 |
This one splits by time horizon. In year one the Delta SkyMiles® Reserve is ahead by roughly $475, thanks largely to its welcome offer. But the Robinhood Platinum Card earns more every year after, so if you keep it, it overtakes the Delta SkyMiles® Reserve after about 2 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Delta SkyMiles® Reserve. Planning to keep it for years? The Robinhood Platinum Card pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Delta SkyMiles® Reserve | Robinhood Platinum Card |
|---|---|---|
| Lounge access | Yes — Centurion, Delta Sky Club | None |
| Annual credits | 3 listed credits | ~$700/yr (3 credits) |
| Points & redemptions | Locked to a single program | Cash back only |
On perks and redemptions, only the Delta SkyMiles® Reserve gets you into airport lounges; the Robinhood Platinum Card carries the heavier credit stack (about $700 a year). Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Delta SkyMiles® Reserve earns about $292 a year in rewards and the Robinhood Platinum Card about $412, valuing every point at a flat 1 cent. The Delta SkyMiles® Reserve charges $650, which you clear through its rewards and perks. The Robinhood Platinum Card charges $695, but carries about $700 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Robinhood Platinum Card delivers more total value, about $425 a year more for a typical spender, mostly because it earns more where you spend most, on dining. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Delta SkyMiles® Reserve currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Robinhood Platinum Card if your spending leans toward dining.