Delta SkyMiles® Platinum Business American Express Card
BEST FOR
Frequent Delta flyers who want to access premium business Delta features
- Welcome Offer: Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in the first 3 months. Plus, earn a $100 Statement Credit after your first Delta purchase on your new Card in the first 3 months.
- 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.
- Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding
- Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
- Get closer to status with Status Boost™. Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion® Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
- Terms and limitations apply.
Pros
- Check your first bag for free on Delta flights
- Receive priority boarding
- Eligible for a Delta companion certificate
Cons
- $250 annual fee
- No free access to Delta Sky Club
- No interest-free financing period on purchases or balance transfers
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
The Delta SkyMiles® Platinum Business American Express Card is an excellent travel rewards card designed for business owners who frequently fly with Delta Air Lines. This business credit card offers several benefits like access to priority boarding, travel perks, and entertainment access.
Who the Delta SkyMiles® Platinum Business American Express Card Is Best For
- Owners who are frequent flyers of Delta Air Lines: This business credit card offers premium miles on Delta flights and free checked-in baggage, making it a great option for businesses that often travel with Delta Air Lines and want to use rewards for free Delta Air Lines flights.
How We Evaluate Travel Rewards Business Credit Cards
When grading a travel rewards business credit card like the Delta SkyMiles® Platinum Business American Express Card, we weigh ongoing rewards, introductory rewards, and additional card benefits heaviest. We also take into consideration the card’s annual fee and introductory and ongoing annual percentage rates (APRs).
| Grading Criteria | ||
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Ongoing Rewards | ||
Introductory Rewards | ||
Additional Features | ||
Annual Fee | ||
Introductory APR | ||
Ongoing APR | ||
Total Score |
Delta SkyMiles® Platinum Business American Express Card Fees
- Introductory APR: None
- Ongoing APR: 15.74% to 24.74% variable, which changes with the prime rate
- Annual fee: $250
- Balance transfer fee: $5, or 3% of the amount of each transfer, whichever is higher
- Foreign transaction fee: None
- Cash advance fee: $10, or 5%, whichever is higher; cash advance APR is 25.24%
Delta SkyMiles® Platinum Business American Express Card Rewards
- 3x miles on Delta flights and Delta Vacations®
- 3x miles on purchases made directly with hotels
- 2x miles at restaurants, including takeout and delivery, and United States supermarkets
- 1 mile per dollar for all other purchases you make, including everyday purchases like gas, and monthly purchases like phone bills
- Receive a companion certificate for a domestic main cabin round-trip each year upon renewal of your card.
Welcome offer: Earn 5,000 Medallion® Qualification Miles (MQMs) and 45,000 bonus miles after you spend $3,000 in purchases in your first three months from account opening. You can also earn a $100 statement credit after you make a Delta purchase with your new card within your first three months.
You can redeem your miles by booking travel on Delta and Delta Connection carrier-operated and ticked flights booked through the Delta rewards portal. Your miles redemption must be in increments of 5,000 miles with a minimum of 5,000 miles per redemption. The redemption value for SkyMiles is $50 for every 5,000 miles.
Delta SkyMiles® Platinum Business American Express Card Features
Roadside Assistance Hotline
The Delta SkyMiles® Platinum Business American Express Card provides a 24-hour dispatch hotline that can send a tow truck or locksmith to help with an emergency. Although the roadside assistance hotline is available at no additional charge, card owners will be charged for any services or goods provided. Rental vehicles, taxis, unlicensed vehicles, tractors, and trucks weighing 10,000-plus pounds are covered by these services.
Purchase Protection
Purchased items damaged or stolen up to 120 days from the date of purchase, or 90 days for New York residents, are covered up to $1,000 per item, maximum of $50,000 for all incidents in a year. Items that are excluded from this coverage are animals, living plants, consumables, permanent household fixtures, rented items, tickets, traveler’s checks, motorized vehicles, and items for resale.
Return Protection
The issuer may refund the purchase price of an item if you try to return an eligible item within 90 days from the purchase date and the store won’t accept it. American Express limits the refund amount to $300 per item and $1,000 each year. Items are only eligible if they’re in original condition and can’t be returned to the original store. Items that are not covered include motorized vehicles, personal hygiene items, tickets, computer software, jewelry, books, and perishable items.
Extended Warranty Protection
American Express provides two additional years of warranty if the warranty is between two and five years long, or it will double the warranty if it’s less than two years. This extended warranty protection covers items purchased using American Express business credit card with an original manufacturer warranty of five years or less.
Travel Accident Insurance
Card owners will have travel accident insurance up to $100,000. Claims are only eligible if the entire fare was charged to your American Express card. Incidents that are not covered include self-inflicted injuries, certain ailments, physical or mental infirmity, and injuries that occur while driving, riding as a passenger in, boarding or exiting from a rental or personal vehicle.
Baggage Insurance Plan
Baggage insurance coverage ranging from $250 to $1,250 is available on any lost bags while in transit, carry-on baggage, checked baggage, or high-risk items. High-risk items generally include jewelry, sporting equipment, or electronic equipment. Cash, tickets, documents, animals, living plants, consumables, and properties shipped as freight are not included in the coverage.
Car Rental Loss and Damage Insurance
American Express provides car rental loss and damage insurance throughout your rental period. The Delta SkyMiles® Platinum Business American Express Card offers coverage up to $50,000 per car rental agreement for the first 30 consecutive days of a car rental. American Express will cover the actual cost to repair the rental vehicle, the wholesale book value of the rental vehicle or the purchase invoice price of the rental vehicle, whichever is the least.
Global Assist Hotline
When you travel more than 100 miles from home, the Delta SkyMiles® Platinum Business American Express Card provides cardholders with 24 hours a day access to medical, legal, financial, or other select emergency and assistance services. It’s important to note that this is just a concierge service, and the card owners will be responsible for any fees third-party service providers charge.
Account Management Tools
American Express provides some of the most robust account management tools to help account holders pay their bills, check card balances, and view employee card transactions. You can also connect your account to QuickBooks to have your transaction data transferred automatically. What’s more, you can set custom account alerts, receive year-end summaries, and online credit card statements to view your purchase history and prepare reports.
Delta Sky Club
The Delta SkyMiles® Platinum Business American Express Card allows you to receive a reduced fee for Delta Sky Clubs. Delta Sky Club exclusive per-visit rate of $29 per person is available to Delta SkyMiles® Platinum Business American Express Card Members and up to two guests. It may be used only in conjunction with a same-day boarding pass on a Delta Air Lines flight.
Delta SkyMiles® Platinum Business American Express Card Alternatives
Chase Ink Business Preferred®
Ink Business Preferred® Credit Card
BEST FOR
Maximizing travel rewards at a lower annual fee
- New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- 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
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
- Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
- No foreign transaction fees
- Employee cards at no additional cost
- $95 Annual Fee
Note: The information related to the Chase Ink Business Preferred® Credit Card has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.
Pros
- Opportunity to boost the value of reward points
- Offers cellphone protection and trip cancellation insurance
Cons
- Does not offer an interest-free financing period
- Charges an annual fee
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
- Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
- Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.
Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
BEST FOR
Unlimited 2x miles with every swipe
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA Pre✓® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA Pre✓® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12 month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assitance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Southwest Rapid Rewards® Premier Business Credit Card
Southwest Rapid Rewards® Premier Business Credit Card
BEST FOR
Receiving rewards on Southwest purchases
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
- 1 point per $1 spent on all other purchases.
- Earn points on employee spending
- Employee cards at no additional cost
- No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees
- No foreign transaction fees
Pros
- Aids in qualifying for elite status with Southwest
- Helps owners earn the Southwest Companion Pass
Cons
- Rewards program is tailored to Southwest-related purchases
- Lacks premium Southwest Airlines perks
- Lost luggage reimbursement: Receive coverage up to $3,000 if you or your immediate family members’ checked or carry-on bags are damaged or lost.
- Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours; up to $100 a day for 3 days.
- Purchase protection: Covers purchases for 120 days against damage or theft. Coverage is capped at $10,000 per claim and $50,000 per account.
Bottom Line
The Delta SkyMiles® Platinum Business American Express Card is a great option for business owners who travel frequently with Delta Air Lines and want to enjoy travel rewards and perks. It’s also ideal for those who typically check a bag as it offers the first checked bag for free when traveling with Delta Air Lines. Compare top credit cards to find out which business credit card suits you.
