Two premium travel credit cards from Amex, the Delta SkyMiles Reserve Card and The Platinum Card from American Express, offer elite benefits like airport lounge access and bonus points. The Delta Reserve Card has a $650 annual fee, while the Platinum Card has an $895 annual fee, making the Delta Reserve the more cost-effective option. Both cards offer high welcome bonuses, with the Delta Reserve offering 125,000 bonus miles and the Platinum Card offering up to 175,000 Membership Rewards points.

The Delta Reserve Card earns 3x miles on Delta purchases, while the Platinum Card earns 5x points on flights booked directly with airlines or through Amex Travel. Both cards lack everyday bonus categories like groceries and gas, but the Platinum Card offers a higher 5x rewards rate on eligible travel spending.

Annual benefits for both cards include airport lounge access, free checked bags, and more. The Delta Reserve Card is ideal for frequent Delta flyers, offering SkyClub access and accelerated elite status qualification. The Platinum Card is a luxury travel card with a broader range of benefits, including credits for hotel stays, dining, and more.

With an annual fee of $895, the Platinum Card offers a range of flexible benefits and credits, making it a top choice for luxury travel. The Membership Rewards points earned with the Platinum Card offer flexibility for various redemption options, including travel, gift cards, and more. The Platinum Card also includes benefits like Marriott and Hilton elite status and special perks through Fine Hotel & Resorts.

The Delta SkyMiles Reserve Card, with an annual fee of $150 after the first year, is a great choice for Delta loyalists who want benefits like free checked bags and priority boarding. This card offers an intro $0 annual fee for the first year, making it a low-risk choice for Delta flyers.

Read more at Yahoo Finance: How to best maximize perks as a frequent traveler