Delta SkyMiles® Platinum Business American Express Card Review for 2023
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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 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 have 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
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
19.49% - 28.49% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- 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
19.49% - 28.49% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- 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 Delta Airlines frequent flyers: You can earn premium miles on Delta flights and free checked-in baggage, making it a great option for businesses that travel with Delta Airlines regularly and want to use rewards for free Delta Airlines 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 Fees
APR
- Introductory APR: None
- Ongoing APR: 19.49% (prime rate + 12.49%) to 28.49% (prime rate + 21.49%) variable
- Cash advance APR: 28.99% (prime rate + 21.99%)
- 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 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
How to Make Payments on the Delta SkyMiles® Platinum Business American Express Card
- Phone: Call 1-800-472-9297, 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.
Delta SkyMiles® Platinum Business American Express Card Rewards
- 85,000 bonus miles after spending $4,000 in purchases within the first three months of card ownership
- 3x miles per dollar spent on eligible purchases made either directly with Delta or 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 mile per dollar on all other purchases
- Domestic main cabin round-trip companion certificate each year upon card renewal
Redeem your miles by booking travel with Delta and Delta Connection carrier-operated flights 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. 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
- Priority Boarding and Main Cabin 1 Priority: Cardholders can enjoy early boarding on Delta flights. You can board your flight when Main Cabin 1 priority boarding is called.
- Free Checked Bag: You can check your first bag for free and save up to $60 on a round-trip Delta flight.
- In-flight Savings: 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.
- Delta Sky Club Per-visit Rate: 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 with Delta.
- Free Credit for Global Entry or TSA Pre✓®: You can receive a $100 statement credit for Global Entry every four years or up to an $85 statement credit for TSA Pre✓® in a 4.5-year period.
Expense Management
- QuickBooks Integration: You can save time with auto-expense categorization in QuickBooks. Once enrolled, this card’s 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 trusted team members to oversee your card. Your authorized account managers can handle tasks such as making payments, reviewing transactions, and adding employee cards.
Protection Coverage
- Purchase Protection: Purchased items that are damaged or stolen up to 90 days from the date of purchase are covered up to $1,000 per item, with a maximum of $50,000 for all incidents in a year.
- Extended Warranty: American Express provides one additional year of warranty for 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: If a round trip is paid for entirely using your eligible American Express credit card and your trip is delayed 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: You’ll receive a 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: American Express provides this insurance throughout your rental period. You need to use this card to pay for the entire rental and decline the collision damage waiver offered by the rental company.
Delta SkyMiles® Platinum Business American Express Card Alternatives
Chase Ink Business Preferred®
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
19.74% - 24.74% 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
- 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 interst-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 US 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
19.74% - 24.74% 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
- 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 interst-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 US 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
- 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
- Points are worth 25% when you redeem for travel through Chase Ultimate Rewards®
- Offers a welcome bonus of 100,000 points after spending $15,000 within the first three months of account opening
- Charges a low annual fee of $95
- Allows balance transfer transactions, subject to APR and balance transfer fees
- Is one of our best business credit cards with no foreign transaction fee
Capital One® Spark® Miles for Business
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
22.49% (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
22.49% (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.
- Capital One® Spark® Miles for Business is best for those wanting to earn fixed-rate rewards on all purchases
- Offers unlimited 2x miles on every business-related purchase
- Comes with zero introductory annual fee for the first year, then charges $95 per year thereafter
- Charges no foreign transaction fees
- Allows balance transfers without charging a balance transfer fee
- Is our leading business credit card for miles
Bank of America® Business Advantage Travel Rewards World Mastercard®
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% for 9 billing cycles
Regular APR
14.49% to 24.49% 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% for 9 billing cycles
Regular APR
14.49% to 24.49% 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.
- Bank of America® Business Advantage Travel Rewards World Mastercard® is best for traveling business owners looking for lower fees while getting useful rewards
- Rewards are up to 75% more for those who have a Bank of America business checking account and qualify for Preferred Rewards for Business
- Offers 1.5x points for every $1 spent on any eligible business purchase and 3x points for every $1 spent if travel is booked through the Bank of America® Travel Center
- Is one of our top-recommended business credit cards for travel
Visit our credit card marketplace and check out our guide to the best small business credit cards for more options.
Bottom Line
The Delta SkyMiles® Platinum Business American Express Card is a great card for business owners who travel with Delta Airlines 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.
