Delta SkyMiles® Platinum Business American Express Card Review for 2022
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
The Delta SkyMiles® Platinum Business American Express Card is designed for business owners who fly with Delta Airlines frequently. 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.
If you wish to compare one card over another, choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Delta SkyMiles® Platinum Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
17.24% - 26.24% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 100,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/3/2022.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 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. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
- Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
- 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.
- 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.
Intro APR
N/A
Regular APR
17.24% - 26.24% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 100,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/3/2022.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 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. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
- Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
- 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.
- 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.
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 and the introductory and ongoing annual percentage rates (APRs).
| Grading Criteria | ||
|---|---|---|
Ongoing Rewards | ||
Introductory Rewards | ||
Additional Features | ||
Annual Fee | ||
Introductory APR | ||
Ongoing APR | ||
Total Score |
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
APR
- Introductory APR: None
- Ongoing APR: 17.24% (prime rate + 12.49%) to 26.24% (prime rate + 21.49%) variable
- Cash advance APR: 26.74% (prime rate + 21.99%)
- Penalty APR: 29.99% variable
Fees
- Annual fee: $250
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is higher
- Late payment fee: Up to $39
- Overlimit: None
- Returned payment fee: $39
Penalty APR will apply to your account if you meet at least one condition:
- Has two or more late payments in a 12-month period.
- Minimum payment due isn’t paid by the closing date of the billing period when it’s due.
- Returned payment is made.
The grace period for cardholders of the Delta SkyMiles® Platinum Business American Express Card is at least 25 days after the close of each billing period.
Delta SkyMiles® Platinum Business American Express Card Rewards
- Welcome offer: Earn 60,000 bonus miles and 5,000 MQMs after spending $4,000 in purchases on your new Card in your first three months.
- 3x miles on every dollar spent on eligible purchases either made directly with Delta or with hotels
- 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. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X)
- 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 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 a lower value per mile if the ticket cost you 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.
How to Make Payments on the Delta SkyMiles® Platinum Business American Express Card
- Via phone: Call (800) 472-9297, state your card information when prompted, then follow the prompts to pay your credit card bills
- Online: Log in to your online account and click “Make Payment”
- Via Amex app: Log in to your mobile app account, select your card, then tap “Make a Payment”
- Autopay: Log in to your online account and click Payments located in the blue navigation bar, then click “Manage AutoPay”
- Via BillDesk: Make sure to follow the prompts that require you to fill out relevant credit card information to pay your credit card bills
- Via mail: Send either a check―don’t forget to include your credit card number―or money order to American Express, using the following address:
American Express
PO Box 650448
Dallas, TX 75265-0448
Ensure to send it early enough so that it arrives by the due date.
Delta SkyMiles® Platinum Business American Express Card Features
The Delta SkyMiles® Platinum Business American Express Card offers various benefits and features best suited for frequent flyers and those who spend a minimum of $5,000 on single eligible purchases. Here are some of the features that you’ll be getting, which are divided by travel, expense management, and insurance protection:
Travel Features
- Status Boost®: This feature allows you to get closer to Medallion® Status by earning 10,000 MQMs after spending $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, and Main Cabin 1 priority: 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 and enjoy early boarding on Delta flights when Main Cabin 1 priority boarding is called.
- In-flight savings and Delta Sky Club per-visit rate: Cardholders can get a 20% savings in the form of a statement credit for all eligible in-flight purchases of food, beverages, and audio headsets when using the card. In addition, you and up to two traveling companions can enjoy complimentary snacks and beverages, Wi-Fi access, satellite TV, newspapers and magazines, personalized flight assistance, private restrooms, and more for an exclusive per-visit rate of $39 per person when traveling through Delta.
- Free credit for Global Entry or TSA Pre✓®: You can either receive a $100 statement credit for Global Entry or up to an $85 statement credit for TSA Pre✓®. Getting a TSA Pre✓® can help expedite security screening, while Global Entry helps reduce wait time at US Customs at selected airports. Note that only one credit will be given in a four-year period for Global Entry, or in a 4.5-year period for TSA Pre✓® for a five-year plan only, depending on the application fee charged to your card first.
Expense Management
- Connection to QuickBooks: You can save time with auto-expense categorization in QuickBooks. Once enrolled, your Delta SkyMiles® Platinum Business American Express Card transactions are automatically tagged with your QuickBooks categories.
- Year-end summary: At the end of each year, get access to a complete summary that categorizes your spending by month and purchase type, which will help you track your business expenses down to the last detail.
- Account manager: Cardholders can assign a trusted team member to oversee your Delta SkyMiles® Platinum Business American Express Card. These account managers can handle tasks such as making payments, reviewing transactions, and adding Employee Cards, freeing up to focus on other priorities.
Insurance Protection
- 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 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.
Pros & Cons of the Delta SkyMiles® Platinum Business American Express Card
| PROS | CONS |
|---|---|
| No foreign transaction fees: You can use your Delta SkyMiles® Platinum Business American Express Card to make purchases outside of the US without having to worry about foreign transaction fees. | Charges an annual fee: The Delta SkyMiles® Platinum Business American Express Card charges an annual fee of $250, without offering an introductory zero annual fee period. |
| 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. | 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. |
| 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. | 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®. In addition, this card offers a welcome offer where after spending $15,000 within the first three months of account opening, you can get 100,000 bonus points or an equivalent of $1,000 cash back. This card only charges a $95 annual fee and allows balance transfers. It’s no surprise that this card is one of our top choices for the best business credit cards for travel and best business credit cards with no foreign transaction fee.
Ink Business Preferred® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
16.74% - 21.74% Variable
Annual Fee
$95
Credit Needed
- 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.
Intro APR
N/A
Regular APR
16.74% - 21.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- 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. These features make this card our top pick for the best business credit cards for travel and one of our top choices for the best business credit cards with no foreign transaction fee.
Capital One® Spark® Miles for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
21.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- 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 PreCheck® 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 PreCheck® 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 assistance: 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.
Intro APR
N/A
Regular APR
21.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- 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 PreCheck® 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 PreCheck® 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 assistance: 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.
Bank of America® Business Advantage Travel Rewards World Mastercard®
The Bank of America® Business Advantage Travel Rewards World Mastercard® is best for traveling business owners who are looking for lower fees while getting useful rewards. Cardholders can get 1.5x points for every $1 spent on any eligible business purchase and get 3x points for every $1 spent if they book your travel through the Bank of America® Travel Center. If you have a business checking account with Bank of America and qualify for its highest Preferred Rewards for Business tier, you can get even more rewards and can earn up to 75% more points for every purchase. This makes it our top pick for the best business credit cards with no foreign transaction fee and one of our top choices for the best business credit cards for travel.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
12.49% - 22.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, which can be redeemed for a $300 statement credit toward travel purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don't expire.
- Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
- No annual fee and no international transaction fees.
- 0% Introductory APR on purchases for your first nine billing cycles.
- Redeem points for travel with no blackout dates, cash back or gift cards.
- Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
12.49% - 22.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, which can be redeemed for a $300 statement credit toward travel purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don't expire.
- Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
- No annual fee and no international transaction fees.
- 0% Introductory APR on purchases for your first nine billing cycles.
- Redeem points for travel with no blackout dates, cash back or gift cards.
- Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
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.
