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Delta SkyMiles Platinum Business American Express Card review

Written by Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, Aug. 4, 2022 Edited by Credit Cards Editor Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards Aug. 4, 2022

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4.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon on American Express's secure site

Best for airline-specific perks

Delta SkyMiles® Platinum Business American Express Card

Rewards rate Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels. Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases. Annual fee Intro offer Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Regular APR Recommended Credit Score A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Delta SkyMiles® Platinum Business American Express Card Overview

The Delta SkyMiles Platinum Business American Express Card is a fantastic middle-ground option for frequent Delta flyers that want SkyMiles top-tier airline rewards and loyalty benefits but aren't worried about the $250 annual fee or lack of luxury airport lounge access. The Platinum Business is without a doubt one of the , but many cardholders might want to consider other for rewards that aren't as context-sensitive-even within Delta.

What are the pros and cons

Pros

The welcome bonus, Status Boost and MQD waiver give you a head start toward Medallion Status An impressive array of travel features and discounts as the middle-ground SkyMiles card Purchases over $5,000 earn 1.5X miles

Cons

$250 annual fee The rewards aren’t very useful outside airfare Miles must be redeemed in intervals of 5,000, and mile values vary across Delta flights since there is no award chart

A deeper look into the current card offer

Quick highlights

Rewards rate: 3X miles on Delta and hotel purchases; 1.5X miles on purchases over $5,000 (up to 50,000 additional miles per year); 1X miles on all other purchases Welcome offer: 60,000 miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in your first 3 months. Annual fee: $250 Purchase intro APR: N/A Balance transfer intro APR: N/A Regular APR: 19.49 percent to 28.49 percent variable

Current welcome offer

If you value (MQMs) that get you closer to elite status more than bonus miles, the SkyMiles Platinum Business card's new bonus is a nice step up from its previous offer. You can now earn 60,000 miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in your first three months (versus the card's previous limited-time offer, which came with 85,000 miles after a $4,000 spend, but no MQMs). Based on , which give Delta SkyMiles a value of 1.3 cents each on average, we estimate the new bonus is worth around $780 in Delta flights. The spending requirement is also easily accessible for a , considering the ticket price for one Premium Select seat on an international Delta flight.

Rewards

Delta cards earn miles. These travel rewards work like normal airline credit card miles, but there are a few more reward currencies to keep track of if you want to reach elite Medallion Status.

Earning rewards

You'll earn 3 miles per dollar on purchases made directly with hotels and eligible Delta spending-including flights, seat upgrades, in-flight purchases and more. Like most , you'll earn 1 mile per dollar on all other purchases. However, your eligible large purchases over $5,000 will earn 1.5 miles per dollar, which is a solid bump for non-travel business expenses. There are a few other ways to earn miles as well. In case Delta isn't offering the best deal, you can also earn miles on flights with any of . When you're on the ground, the Delta SkyMiles Dining program is a handy way to earn frequent flyer miles on business meals. You can earn 1 mile per $2 spent-or up to 5 miles per dollar depending on your membership level. The most valuable way to earn extra miles is to obtain Medallion Status-granting you 7 to 11 miles per dollar on Delta purchases and additional travel benefits. To qualify, you'll need to earn a set number of Medallion Qualification Miles (MQMs), Medallion Qualification Dollars (MQDs) and/or Medallion Qualification Segments (MQSs) .

Redeeming rewards

Of course, redeeming your SkyMiles to book travel is the optimal choice. Choosing "Pay with Miles" lets you upgrade seats or book flights with Delta and partner airlines to over 1,000 destinations with no blackout dates. Miles can also book vacation packages, hotels, rental cars and more. You can also "Pay with Miles + Cash" if you're just shy of the required points. There are a few other redemption methods, but they aren't as useful or versatile as general-purpose travel card rewards, such as . For example, you can't transfer miles to partner airlines. However, you can use Delta miles outside travel for charitable donations or gifts, magazine subscriptions, travel experiences and merchandise.

How much are miles worth

When you use "Pay with Miles" toward flights, Delta allows you to redeem in 5,000-point intervals for $50 discounts. Delta considers SkyMiles to be worth 1 cent in this case, but they don't use an award chart like other airlines-meaning your point value varies based on the cost of the flight. To get a better idea of your rewards' value before choosing a card, keep in mind that Bankrate gives Delta SkyMiles a 1.3 cent-per-mile market value when booking flights -which is on the low side when compared to some of the top airline and credit card rewards programs.

Benefits

The Amex Delta Platinum Business card delivers a considerably higher number of valuable benefits than its little sibling, the , including standout travel insurance, annual companion certificate and Status Boost features.

Status Boost

Business cardholders aiming for Medallion status elite rewards and benefits can earn earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status with Status Boost®. Plus, throughout 2022 earn an additional 2,500 MQMs after making $25,000 in purchases, up to 2x. That's in addition to the 10,000 MQMs that you would earn with Status Boost.

Companion certificate

You'll receive a companion certificate for a complimentary main cabin domestic round-trip flight each year upon renewing your card. This can be an especially valuable perk when you use it on more expensive flights. Keep in mind that you'll still owe taxes, baggage fees and similar exclusions on the ticket cost.

Travel perks

On top of "Main Cabin 1" priority boarding, the Delta Platinum Business card offers a wide array of premium travel benefits to justify its annual fee: when you pay with your card: Trip-delay insurance (up to $300 per trip, two claims per card annually, for eligible 12+-hour delays), baggage insurance (up to $1,250 for carry-on, $500 for checked luggage) and car rental loss and damage insurance. Other savings and credits: First checked bag free (up to $60), up to $100 application fee credit for Global Entry (every four years) or up to $85 for TSA Precheck (every five years), 20 percent savings on eligible in-flight purchases (as a statement credit) and an exclusive $39 per-visit rate for you and up to two guests to the Delta Sky Club.

Rates and fees

The biggest kicker when considering the Amex Delta Platinum Business card is its $250 annual fee. There is also no 0 percent intro APR offer to offset the 19.49 percent to 28.49 percent variable APR, if necessary. However, there are no annual employee card fees and no foreign transaction fees, along with plenty of other travel discounts to help offset the cost. In fact, the companion certificate may be enough to offset the annual fee, depending on the flight. Otherwise, you'd need to spend over $6,300 each year on Delta travel or hotel bookings to recoup your annual fee (based on Bankrate's 1.3-cent-per-mile estimated value).

How the Amex Delta Platinum Business card compares to other business cards

The Delta Platinum Business card's value cements it as the middle-of-the-road SkyMiles business option. For instance, it beats the $99 annual fee ($0 introductory annual fee for the first year,) SkyMiles Gold Business card, mainly thanks to its trip delay insurance, Global Entry or TSA Precheck fee credit and Medallion Status-related perks. But if you're more concerned about reaching Medallion Status each year, the Delta SkyMiles Reserve card has stronger Medallion Status-earning features and excellent . You should if you'd rather earn more MQMs from your business spending.For those not loyal to a Delta co-branded card, one of these alternate business travel cards might offer better rewards value, flexibility and non-travel bonus categories based on your business' spending.

Delta SkyMiles® Platinum Business American Express Card

star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on American Express's secure site Annual fee Intro offer Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Rewards rate Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels. Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Ink Business Preferred® Credit Card

on Chase's secure site Annual fee Intro offer Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards Rewards rate Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

American Express® Business Gold Card

on American Express's secure site Annual fee Intro offer Welcome Offer: Earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* Rewards rate Get 4X Membership Rewards points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. ** Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Best cards to pair with the Amex Delta Platinum Business card

business cards are likely the best partners, thanks to the partnership between the issuer and Delta Air Lines. Amex Membership Rewards points can be transferred to Delta SkyMiles at a 1:1 ratio, and you can find special deals on Delta flights through the . The American Express Business Gold Card provides great bonus category coverage for business expenses outside travel (like eligible U.S. gas station, U.S. shipping and U.S. tech purchases), as well as airfare through the Amex travel portal if you need to fly outside the SkyTeam alliance partners. business travel rewards cards or other non-American Express cards could also be a great match to earn miles on your non-travel business expenses. Issuers like and are known for their versatile rewards, for instance. Chase's provides fantastic support if you need a larger pool of categories to draw from at once.

Bankrate s Take Is the Amex Delta Platinum Business card worth it

The Delta SkyMiles Platinum Business American Express Card offers the best value to dedicated Delta flyers, especially businesses that can make the most of the hotel purchase rewards and the myriad travel benefits. But if your business operations don't lean on Delta airline benefits, other business travel cards-even other American Express cards-may provide more flexible rewards and bonus categories.For rates and fees of the Delta SkyMiles Platinum Business, please click .
For rates and fees of the Delta SkyMiles Platinum Business, please click .

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Written by Garrett Yarbrough Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. Edited by Credit Cards Editor

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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.