At a credit card fee of 1.98%, that's a non-trivial amount of money to have to spend on fees depending on how much you pay in taxes (looks like IRS charges based on processor but it is between 1.86-1.98%)
In practice that fee works out to at most a $500 buy-in for Platinum status on Delta. You can also immediately opt for a $200 travel voucher as your Platinum benefit. I could see why some might think it's worth it.
Starting in 2023, mere platinum doesn’t get you lounge access on international flights, but the affiliate credit cards do. That’s worth $20+ in real value on each international segment (the sticker price is higher, but there’s at least $20 of convenience and comfort to wait in the club over the boarding area).
