The Delta SkyMiles® Platinum Business American Express Card is designed for business owners who frequently fly with Delta Airlines. This travel rewards business credit card offers several benefits like access to priority boarding and travel perks. You can earn unlimited miles on purchases which you can use toward flights, seat upgrades, Delta gift cards, and more.
Delta SkyMiles® Platinum Business American Express Card
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
- Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your 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.
- 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.
- With Status Boost®, 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.
- Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- 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.
- Welcome Offer: Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your 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.
- 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.
- With Status Boost®, 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.
- Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- 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.
Want to compare the features of one card to another? We’ve made it easy for you to do just that! Simply check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
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 first consider the ongoing rewards, introductory rewards, and additional card benefits. Then we take into account the card’s annual fee, as well as the introductory and ongoing annual percentage rates (APRs).
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Who the Delta SkyMiles® Platinum Business American Express Card Is Best For
- Business owners who are frequent flyers on Delta Airlines: 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 on Delta Airlines and want to use rewards for free Delta Airlines flights.
- Businesses that spend at least $5,000 on single eligible purchases: You can earn 1.5 miles, which is an extra half mile per dollar, on single eligible purchases of $5,000 or more, up to 50,000 additional miles per calendar year.
Delta SkyMiles® Platinum Business American Express Card Fees
- Introductory annual percentage rate (APR): None
- Ongoing APR: 15.74% to 24.74% variable—changes with the prime rate
- Annual fee: $250
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is higher—cash advance APR is 25.24%
Delta SkyMiles® Platinum Business American Express Card Rewards
- Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases within the first three months of opening an account
- 3x miles on purchases made directly with Delta
- 3x miles on purchases made directly with hotels
- 1.5x miles on single eligible purchases of $5,000 or more, up to 50,000 additional miles per calendar year
- 1 mile per dollar on all other purchases
- Receive a companion certificate for a domestic main cabin round-trip each year upon renewal of your card
You can redeem your miles by booking travel on Delta and Delta Connection carrier-operated and 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. However, you may receive less value per mile if the cost of a ticket you choose to cover entirely with miles isn’t a multiple of $50. Miles don’t expire, and there are no limits to how many you can earn.
Delta SkyMiles® Platinum Business American Express Card Additional Features
Status Boost®
Status Boost® allows you to get closer to Medallion® Status by earning 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases in a calendar year, up to two times per year. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
Priority Boarding & Free Checked Bag
Delta SkyMiles® Platinum Business American Express Card owners can enjoy early boarding on Delta flights. You can board your flight when Main Cabin 1 priority boarding is called. Additionally, you can check your first bag for free and save up to $60 on a round-trip Delta flight.
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, credit card owners may be charged for any services or goods provided. Rental vehicles, taxis, unlicensed vehicles, tractors, and trucks weighing 10,000-plus pounds aren’t covered by these services.
Purchase Protection
Purchased items that are damaged or stolen up to 120 days from the date of purchase―90 days for New York residents―are covered up to $1,000 per item, with a 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 but 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 that sold them. Items that aren’t 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’ll double the warranty if it’s less than two years. This extended warranty protection covers items purchased using your American Express business credit card with an original manufacturer warranty of five years or less.
Travel Accident Insurance
Card owners have travel accident insurance up to $100,000. Claims are only eligible if the entire fare was charged to your American Express credit card. Incidents that aren’t covered include self-inflicted injuries, certain ailments, physical or mental infirmity, and injuries that occur while driving, riding as a passenger in, and boarding or exiting from a rental or personal vehicle.
Trip Delay Insurance
If a round trip is paid for entirely with your eligible American Express credit card and a covered reason delays your trip more than 12 hours, you’ll be reimbursed for certain additional expenses―including but not limited to meals, lodging, toiletries, medication, and other personal use items―purchased on the same eligible card. This covers up to $300 per trip, with a maximum of two claims per account for every 12-consecutive-month period.
Baggage Insurance Plan
Baggage insurance coverage ranging from $250 to $1,250 is available on any bags lost while in transit, carry-on baggage, checked baggage, or high-risk items. High-risk items generally include jewelry, sporting equipment, or electronic equipment. Certain items aren’t covered, such as cash, tickets, documents, animals, living plants, consumables, and properties shipped as freight.
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 24/7 access to medical, legal, financial, or other select emergency and assistance services. It’s important to note that this is only a concierge service, and the card owner will be responsible for any fees charged by third-party service providers.
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 access 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’s exclusive per-visit rate of $39 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.
Pros & Cons Explained
Pros of Delta SkyMiles® Platinum Business American Express Card
- No foreign transaction fees: You can use your Delta SkyMiles® Platinum Business American Express Card to make purchases outside of the United States without having to worry about foreign transaction fees.
- In-flight savings: Receive a 20% savings in the form of a statement credit on all eligible in-flight purchases, such as food, beverages, and audio headsets, when you use your card to pay for these purchases.
- Business management tools: American Express provides expense management tools, such as QuickBooks integration, American Express® Business App, and Vendor Pay by Bill.com. It also allows you to assign a trusted team member as an account manager to handle tasks like making payments, reviewing transactions, and adding employee cards.
Cons of Delta SkyMiles® Platinum Business American Express Card
- No free annual fee: The Delta SkyMiles® Platinum Business American Express Card charges an annual fee of $250, without offering an introductory zero annual fee period.
- No interest-free financing: This card doesn’t offer an introductory 0% APR, which is a disadvantage if you need to make a large purchase.
- Balance transfers aren’t allowed: The Delta SkyMiles® Platinum Business American Express Card doesn’t offer balance transfers—if you need to transfer a balance from another credit card, this card may not be right for you.
Delta SkyMiles® Platinum Business American Express Card Alternatives
Chase Ink Business Preferred®
The Chase Ink Business Preferred® is a great alternative if you don’t need travel perks like airport lounge access or free expedited airport security screening. Your points are worth 25% when you redeem for travel through Chase Ultimate Rewards®. This card only charges a $95 annual fee and allows balance transfers.
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
- 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®
- 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Opportunity to boost the value of reward points
- Offers cellphone protection and trip cancellation insurance
Cons
- Doesn’t 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.
- 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®
- 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Opportunity to boost the value of reward points
- Offers cellphone protection and trip cancellation insurance
Cons
- Doesn’t 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
The Capital One® Spark® Miles for Business offers unlimited 2x miles on every business-related purchase and is an excellent alternative if you want a fixed-rate travel rewards card with a zero introductory annual fee. This card doesn’t charge foreign transaction fees and allows balance transfers without charging a balance transfer fee.
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
- 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.
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- 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
If you prefer to fly on Southwest Airlines instead of Delta Air, you might want to consider getting a Southwest Rapid Rewards® Premier Business Credit Card. This card offers rewards for purchases made directly with Southwest Airlines that can be redeemed for free flights. It charges a low annual fee of $99, allows balance transfers, and offers travel perks, such as upgraded boardings, free checked-in baggage, and baggage delay insurance.
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.
- 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.
You may also want to check our guide to the best American Express business credit cards to see other options from American Express.
Bottom Line
The Delta SkyMiles® Platinum Business American Express Card is a great option for business owners who travel frequently with Delta Airlines and want to enjoy premium 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 on Delta Airlines.
If this card isn’t what you’re looking for, visit our Credit Card Marketplace or check out our list of the best small business credit cards to see other options.
