Delta SkyMiles<sup>®</sup> Platinum Business American Express Card Review

Reviewed By:
Aug 19, 2024
9 minute read

Editorial and Partnership Disclosure

The Delta SkyMiles® Platinum Business American Express Card is ideal for business owners who prefer to fly with Delta Air Lines and want to enjoy access to priority boarding and a free checked bag. You can also earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.

Intro APRN/A
Regular APR19.49% - 28.49% Variable
Annual Fee$350
Credit NeededExcellent, Good

How We Evaluate Travel Rewards Business Credit Cards

When rating a travel rewards business credit card like the Delta SkyMiles® Platinum Business American Express Card, we consider the ongoing and introductory rewards, additional card benefits, annual fee, and introductory and ongoing annual percentage rates (APRs).

Grading CriteriaCard ScoreHighest Possible Score
Ongoing Rewards2225
Introductory Rewards2525
Additional Features2020
Annual Fee710
Introductory APR010
Ongoing APR810
Total Score82100

Who the Delta SkyMiles® Platinum Business American Express Card Is Best For

  • Business owners who are Delta Air Lines frequent flyers: Earn premium miles on Delta flights that can be used toward free flights, and enjoy perks like free checked-in baggage and priority boarding.
  • Businesses that spend at least $5,000 on single eligible purchases: You’ll earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

Delta SkyMiles® Platinum Business American Express Card Rewards

  • Welcome Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 4/1/26.
  • Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • Receive $2,500 Medallion Qualification Dollars: Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • Save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $120 Resy Credit: earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
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Use the following rewards calculator to compute the potential rewards you can earn with the Delta SkyMiles® Platinum Business American Express Card. Just input your projected annual spending based on the categories, and let our calculator do the rest. Miles are worth around 1 cent each, though the value may vary depending on how miles are redeemed.

Delta SkyMiles® Platinum Business American Express Card Rewards Calculator

Your potential annual reward earnings are:

Miles Earned:0
Rewards Value:$0

How to Redeem Rewards

Redeem your miles by booking travel with Delta and Delta Connection carrier-operated flights; visit the Delta rewards portal. You can also redeem your miles to get a seat upgrade, pay for a Delta Sky Club membership, book Delta Vacations®, bid on exclusive events, access SkyMiles Experiences, check bags, or pay for magazine subscriptions. You can even transfer your miles to your friends and family or donate them to Delta’s charitable organization partners.

Your miles redemption must be in increments of 5,000 miles with a minimum of 5,000 miles per redemption. Miles don’t expire, and there are no limits to how many miles you can earn.

Delta SkyMiles® Platinum Business American Express Card Features

Travel Features

  • Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • Earn 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • $2,500 Medallion Qualification Dollars: Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
  • Save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

Protection Coverage

  • 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.
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Delta SkyMiles® Platinum Business American Express Card Fees

APR

  • Introductory APR: None
  • Ongoing APR on purchases and balance transfers: 19.49% to 28.49% variable, which adjusts with the Prime Rate
  • Penalty APR: 29.99% variable, applies to your account if you do the following:
    • Make late payments twice in 12 consecutive months.
    • Fail to pay at least the minimum by its due date.
    • Make a payment that’s returned.

Fees

  • Annual: $350
  • Balance transfer: Transfers aren’t allowed.
  • Foreign transaction: $0
  • Cash advance: $10 or 5%, whichever is higher
  • Late payment: Up to $40
  • Overlimit: $0
  • Returned payment: $40

How To Make Payments

  • Phone: Call (800) 472-9297, state your card information when prompted, then follow the prompts.
  • Online: Log in to your online account.
  • Amex app: Log in to your Android or iOS mobile app, select your card, and then click “Make a Payment”
  • AutoPay: Log in to your online account and click “Payments,” located in the blue navigation bar, then choose “Manage AutoPay”
  • BillDesk: Follow the prompts that require you to fill out relevant credit card information.
  • Mail: Send either a check or money order to American Express, including your credit card details, to the following address:

American Express
PO Box 650448
Dallas, TX 75265-0448

If you send your payment via mail, send it early enough so that it arrives on or before the due date.

Delta SkyMiles® Platinum Business American Express Card Alternatives

Delta SkyMiles® Gold Business American Express Card

Intro APRN/A
Regular APR19.49% - 28.49% Variable
Annual Fee$0 introductory annual fee for the first year, then $150
Credit NeededExcellent, Good
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If you prefer to fly on Delta Air Lines but don’t want to pay a high annual fee, the Delta SkyMiles® Gold Business American Express Card charges a $0 annual fee for the first year, then you’ll only pay $150 every year after. Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.

Bank of America Business Advantage Travel Rewards World Mastercard®

Intro APR0%
9 billing cycles
Regular APR18.49% - 28.49% Variable APR on purchases
Annual Fee$0.00
Credit NeededExcellent

Earn 3× points when you book your travel through the Bank of America® Travel Center and 1.5× points on all other purchases. You can redeem your points for travel with no blackout dates in the Bank of America Travel Center as a statement credit, cash back, or gift card. It has $0 annual and foreign transaction fees, as well as 0$ APR on purchases for the first nine billing cycles. Plus, you’ll receive 30,000 points as a welcome offer when you meet the spending requirements.

Ink Business Preferred® Credit Card

Intro APRN/A
Regular APR17.74% - 26.74% Variable
Annual Fee$95
Credit NeededExcellent, Good
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With the Ink Business Preferred® Credit Card, your rewards are worth 25% more when you redeem them for travel. It lets you earn up to 5× points per dollar on your purchases, depending on the expense category. Plus, it comes with a high welcome offer and possibly a high credit limit.

Frequently Asked Questions (FAQs)

How can I apply for a Delta SkyMiles® Platinum Business American Express Card?

Account application is available online or by phone at (877) 673-6758. Prepare the following information:

  • Business’s legal name, address, phone number, and email address
  • Federal tax identification number (TIN) or Social Security number
  • Type of industry your business is engaged in
  • Company structure
  • Number of years your company has been in business
  • Number of employees
  • Annual business revenue
  • The name you would like to appear on the card
Does ​​Delta SkyMiles® Platinum Business American Express Card offer complimentary access to Delta Sky Club?

No, it does not offer complimentary access to Delta Sky Club lounges. However, cardholders and up to two guests get to enjoy an exclusive per-visit rate of $50 per person to access Delta Sky Club. To be eligible, you need to use your Delta SkyMiles® Platinum Business American Express Card to pay for the access.

How can I view my Delta SkyMiles® balance?

To view your Delta SkyMiles® balance, log in to your online account, and you can find the details at the top right of the page. You can also visit delta.com or call Delta Air Lines toll-free at (800) 323-2323 to find out how many Delta SkyMiles® you have.

What is Medallion® Qualification Dollars (MQD)?

MQD is a reward system that helps you get closer to Medallion Status. Four Medallion tiers offer benefits to Medallion members, including complimentary upgrades, waived fees, and other exclusive offers.

What are the available Medallion Status tiers?

There are four Medallion Status tiers, and you need to meet certain MQD requirements to reach each status.

  1. Silver: $5,000 MQDs
  2. Gold: $10,000 MQDs
  3. Diamond: $15,000 MQDs
  4. Platinum: $28,000 MQDs
How to earn MQDs?

Delta SkyMiles® Platinum Business American Express Card helps you reach Medallion Status through the following programs:

  • MQD Headstart: You’ll receive $2,500 MQDs each Medallion Qualification Year.
  • MQD Boost: For every $20 in purchases, you’ll earn $1 MQD.

Bottom Line

The Delta SkyMiles® Platinum Business American Express Card is a great card for business owners who travel with Delta Air Lines frequently 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 with Delta. Note that it has an annual fee of $350 and doesn’t allow balance transfers and cash advances. Also, it doesn’t come with a 0% APR offer.

Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.


To see rates & fees for the American Express cards mentioned in this article, reference the following links below:
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Gold Business American Express Card

Benilyn Formoso

Benilyn Formoso-Suralta is a staff writer at Fit Small Business focusing on finance, accounting, and Small Business Loans. She brings with her 12 years of experience as a banking officer with the Bank of the Philippine Islands with expertise in consumer banking, real estate sales, and foreign exchanges.

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