Delta SkyMiles® Platinum Business American Express Card Review for 2023
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
The Delta SkyMiles® Platinum Business American Express Card is designed for business owners who fly with Delta Air Lines frequently. This travel rewards business credit card offers travel perks like access to priority boarding and a free checked bag. You can earn unlimited miles on purchases, which you can use toward flights, seat upgrades, and Delta gift cards.
To see how this card stacks up against others we reviewed on our site, simply click Add to Compare on the card below and select up to two additional cards for comparison.
Delta SkyMiles® Platinum Business American Express Card
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
- Delta SkyMiles® Platinum Business American Express Card Members 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.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. 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 Calendar 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 hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
- 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. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
- 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
20.99% - 29.99% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
- Delta SkyMiles® Platinum Business American Express Card Members 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.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. 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 Calendar 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 hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
- 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. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
- 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.
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 | 10 | |
Ongoing APR | 10 | |
Total Score |
Who the Delta SkyMiles® Platinum Business American Express Card Is Best For
- Business owners who are Delta Air Lines frequent flyers: You can earn premium miles on Delta flights and enjoy perks like free checked-in baggage and priority boarding, making it a great option for business owners who travel with Delta Air Lines regularly and want to use rewards for free Delta Air Lines flights.
- Businesses that spend at least $5,000 on single eligible purchases: You’ll receive 1.5x 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.
Is this card not a good fit for your business? Check out our recommended alternatives below.
Delta SkyMiles® Platinum Business American Express Card Rewards
- Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
- 3x miles per dollar spent on eligible purchases made either directly with Delta and with hotels
- 1.5x miles on single eligible purchases of $5,000 or more (equivalent to an extra half mile per dollar), up to 50,000 additional miles per calendar year—note that if your purchase qualifies for a category with higher mileage accelerator, only the higher mileage accelerator will apply
- 1x miles per dollar on all other purchases
- Domestic main cabin round-trip companion certificate each year upon card renewal
Delta SkyMiles® Platinum Business American Express Card Rewards Calculator
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, which may vary depending on how they are redeemed.
How To Redeem Delta SkyMiles® Platinum Business American Express Card 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 Delta Sky Club membership, book Delta Vacations®, bid on exclusive events and 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
- TakeOff 15: Save 15% when you use your miles to book travel with Delta Air Lines through delta.com and the Fly Delta app.
- Priority boarding and Main Cabin 1 priority: Enjoy early boarding on Delta flights when Main Cabin 1 priority boarding is called.
- Free checked bag: Check your first bag for free and save up to $60 on a round-trip Delta flight.
- In-flight Savings: Get a 20% savings in the form of statement credit for all eligible in-flight purchases of food, beverages, and audio headsets when using the card.
- Delta Sky Club per-visit rate: Pay an exclusive per-visit rate of $50 per person when traveling with Delta for you and up to two traveling companions, and enjoy complimentary snacks and beverages, Wi-Fi access, satellite TV, newspapers and magazines, personalized flight assistance, private restrooms, and more.
- Free credit for Global Entry or TSA PreCheck®: Receive a $100 statement credit for Global Entry every four years or up to an $85 statement credit for TSA PreCheck® in a 4.5-year period.
Expense Management
- QuickBooks Integration: Save time with auto-expense categorization in QuickBooks. Once enrolled, this card’s transactions are automatically tagged with your QuickBooks categories.
- Year-end summary: Access a complete summary that categorizes your spending by month and purchase type at the end of each year—this will help you track your business expenses down to the last detail.
- Account manager: Assign trusted team members to oversee your card. Your authorized account managers can handle tasks such as making payments, reviewing transactions, and adding employee cards.
- Free employee cards: Add employee cards at no additional cost and earn miles from your employees’ spending.
- Vendor Pay by BILL: Pay bills with Vendor Pay by BILL and access the Basic Plan for free for the first user and no fee for the second user for six months. You’ll only need to pay $15 per month for the second user after the free trial.
Protection Coverage
- Purchase protection: Receive protection on purchased items that are damaged or stolen up to 90 days from the date of purchase. Coverage is limited up to $1,000 per item, with a maximum of $50,000 for all incidents in a year.
- Extended warranty: Get one additional year of warranty for items with warranties of five years or less. This protection covers items purchased in the US or its territories using your American Express business credit card.
- Trip delay insurance: Pay for your round trip using your eligible American Express credit card so that you’ll be reimbursed for certain additional expenses if your trip is delayed more than 12 hours. Expenses include 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: Receive baggage insurance coverage of up to $500 for checked bags and up to $1,250 for carry-on baggage.
- Car rental loss and damage insurance: Use the card to pay for the entire rental and decline the collision damage waiver offered by the rental company to receive Car Rental Loss and Damage insurance throughout your rental period.
Delta SkyMiles® Platinum Business American Express Card Fees
APR
- Introductory APR: None
- Ongoing APR on purchases and balance transfers: 20.99% to 29.99% variable, which adjusts with the Prime Rate
- Cash advance APR: 29.99% variable, which adjusts with the Prime Rate
- Penalty APR: 29.99% variable, applies to your account if you
- 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: $250
- Balance transfer: Transfers aren’t allowed
- Foreign transaction: None
- Cash advance: $5 or 3%, whichever is higher
- Late payment: Up to $39
- Overlimit: None
- Returned payment: $39
- 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, 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.
When To Consider Delta SkyMiles® Platinum Business American Express Card Alternatives
You Need To Transfer a Balance
The Delta SkyMiles® Platinum Business American Express Card does not allow balance transfer transactions. If you need to transfer a balance from another credit card and want to earn travel rewards, consider Chase Ink Business Preferred®.
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $8,000 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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $8,000 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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Key Features:
- Allows balance transfer transactions (subject to ongoing balance transfer APR and balance transfer fee)
- Lets you earn up to 5x points per dollar, which are worth 25% more when redeemed for travel
- Offers 100,000 bonus points when you spend $8,000 on purchases within the first three months of card ownership
- Charges no foreign transaction fee
- Comes with a low annual fee of only $95
If you need a high credit limit, Chase Ink Business Preferred Card may be right for you. Its high introductory bonus is one of the reasons why it tops our list of the best high-limit business credit cards.
You Need a 0% APR
Delta SkyMiles® Platinum Business American Express Card doesn’t offer a zero-interest period. If you plan to make a large purchase using your travel business credit card and want to take advantage of interest-free financing, you may want to consider another business credit card that offers a 0% introductory APR period, such as the Bank of America® Business Advantage Travel Rewards World Mastercard®.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
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: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- 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
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
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: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- 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.
Key Features:
- Offers 0% APR on purchases for the first nine billing cycles after opening an account
- Lets you earn 30,000 bonus points when you spend $3,000 within the first 90 days of card ownership
- Offers unlimited 1.5x points per dollar on all purchases, regardless of spending Categories
- Lets you earn 75% more rewards if you have a Bank of America business checking account and qualify for Preferred Rewards for Business; see our Bank of America business checking account review for more information
- Charges no annual fee and foreign transaction fees
The Bank of America® Business Advantage Travel Rewards World Mastercard® is our top business credit card with no foreign transaction fees because of its generous rewards and perks.
You Want Complimentary Airport Lounge Access
With Delta SkyMiles® Platinum Business American Express Card, you need to pay an exclusive per-visit rate of $50 to access Delta Sky Club. If you want to access airport lounges for free, consider the U.S. Bank Business AltitudeTM Connect World Elite Mastercard®.
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Intro APR
Regular APR
20.24%-28.24% (Variable)
Annual Fee
$0 Intro annual fee for the first year, $95 per year thereafter
Credit Needed
Good to Excellent
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- High sign-up bonus
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% annual percentage rate (APR) offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
Intro APR
Regular APR
20.24%-28.24% (Variable)
Annual Fee
$0 Intro annual fee for the first year, $95 per year thereafter
Credit Needed
Good to Excellent
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- High sign-up bonus
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% annual percentage rate (APR) offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
Key Features:
- Comes with Priority PassTM Digital annual membership that offers four complimentary access to over 1,300 airport lounges worldwide per calendar year
- Lets you earn 60,000 points (worth $600) if you spend $6,000 in the first 180 days of opening an account
- Has no foreign transaction fees
- Charges a low annual fee of $95, which is waived for the first year
- Lets you earn up to 5x points per dollar, depending on expense categories
- Features ExtendPay® Plan, which allows you to divide your large purchases into fixed monthly installments without interest—just pay a small monthly fee
U.S. Bank Business AltitudeTM Connect World Elite Mastercard® also offers premium rewards on gas, which is the reason why it earned a spot in our roundup of the leading fuel cards for small businesses.
You Want a Delta SkyMiles® Card With a Low Annual Fee
Are you loyal to Delta Air Lines but don’t want to pay the $250 annual fee charged by Delta SkyMiles® Platinum Business American Express Card? Then the Delta SkyMiles® Gold Business American Express Card may be a better fit.
Delta SkyMiles® Gold Business American Express Card
BEST FOR:
Delta Air Lines flyers and earning rewards outside of Delta purchases
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 75,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months. Offer Ends 10/25/23.
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means 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 US and abroad
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 75,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months. Offer Ends 10/25/23.
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means 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 US and abroad
Key Features:
- Charges a low annual fee of only $99, which is waived for the first year
- Offers 75,000 bonus miles when you spend $6,000 within the first six months of card membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months.
- Lets you earn up to 2x miles per dollar, depending on expense categories
- Offers $100 Delta flight credit after you spend $10,000 in a calendar year
- Charges no foreign transaction fee
- Comes with travel perks like 20% in-flight savings, free checked bag, and priority boarding
If you prefer another credit card from American Express, see our list of the best American Express credit cards. For even more options, visit the following guides:
Frequently Asked Questions (FAQs)
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
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.
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.
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.
