Delta SkyMiles^® Platinum Business American Express Card — Full Review [2024]

Great Card If

• You travel primarily on Delta Air Lines.
• You want a card that will help you earn Delta elite status.
• Your business travel includes domestic and international flights.

Don’t Get If

• You don’t travel for business.
• You prefer to travel on airlines other than Delta.
• You prefer a card that earns transferable rewards.

Delta Platinum Business Card — Is It Worth It?

The Delta Platinum Business card would be worth having in your wallet if you’re a small business owner, regularly travel with Delta, want to earn more Delta SkyMiles, and want to reach higher levels of Delta Medallion status.

While the card charges an annual fee, it features multiple annual statement credits to help offset that fee, including Resy, ride-share, and Delta Stays credits.

The card also offers a solid roundup of perks, including free checked bags, priority boarding, an annual companion certificate, and discounts on award tickets.

Delta Platinum Business Card Top Benefits

Delta Platinum Business Card Travel Benefits

Cardholders of the Delta Platinum Business card have access to the following travel benefits:

• Annual Companion Certificate: Receive a certificate for main cabin domestic, Caribbean, or Central American round-trip flights each year after your card renews. The companion ticket requires paying government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to 4 flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• Annual Statement Credits: Use up to $120 in Resy statement credits, up to $120 in U.S. ride-share statement credits, and up to $200 in prepaid Delta Stays bookings on Delta.com. Enrollment is required.
• Medallion Qualification Dollar Boost: Earn 1 MQD for every $20 spent with your Delta Platinum Business card, which will bring you closer to your next level of Delta elite status.
• TakeOff 15: Cardholders receive a 15% discount on the number of miles needed to book an award ticket, though this does not apply to partner-operated flights or the taxes or fees portion of the ticket.
• Free Checked Bags: Get your first checked bag free for you and up to 8 traveling companions on the same reservation. Delta charges $35 to check a bag, allowing you to save up to $315 per flight.
• Priority Boarding: Your card automatically puts you in zone 5 priority boarding.
• Hertz Five Star Status: Receive complimentary Hertz Five Star status, which comes with perks such as rental car upgrades, 25% bonus points, a wider selection of cars, and free additional drivers.
• Global Entry or TSA PreCheck Credit: Receive a statement credit every 4 years after you apply for Global Entry ($120 as of October 1, 2024) or every 4.5 years after you apply for a five-year membership for TSA PreCheck ($85) and pay with your card.

Delta Platinum Business Card Travel and Purchase Protections

• Baggage Insurance: If your baggage is lost or damaged during transit, you’re covered up to $1,250 for carry-on bags and up to $500 for checked bags, for a total of $10,000 per trip.
• Trip Delay Insurance: If your flight is delayed by more than 12 hours, or overnight, you can be reimbursed up to $300 toward necessary expenses like lodging and meals, up to 2 claims per 12-month period.
• Car Rental Loss and Damage Insurance: Receive secondary rental car insurance that covers theft and collision damage to your rental vehicle.
• Purchase Protection: Purchases made with your Delta Platinum Business card are covered in the event of theft or accidental damage for up to 90 days from the date of purchase, up to $1,000 per claim, and up to $50,000 per year.
• Extended Warranty Protection: Eligible products purchased with your Delta Platinum Business card with warranties of 5 years or less have them extended by 1 year.
• No Foreign Transaction Fees: Use your card for international transactions without paying additional fees (rates and fees).

Best Way To Earn and Redeem Your Delta SkyMiles

You can earn more Delta SkyMiles by using your Delta Platinum Business card on as many business expenses as you can. You earn the most miles on expenses within the card’s bonus categories of Delta purchases, transit, and eligible U.S. shipping purchases. Of course, spending on your card isn’t the only way to earn more Delta SkyMiles.

Once you’ve built up a large stash of Delta SkyMiles, it’s time for the fun part: redeeming those miles toward your next vacation.

Whether it’s for a business trip or a family vacation, here is a look at some of the best ways to redeem Delta SkyMiles.

Alternative Cards to the Delta Platinum Business Card

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

100,000 points

UP's Bonus Valuation*:

$2,200

Annual Fee

$375

APR

18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

If you prefer a small business credit card that is excellent at earning points and earns flexible rewards that you can transfer to multiple airlines, including Delta, then the Amex Business Gold card is worth considering.

With the Amex Business Gold card, you earn 4 points per $1 spent on your 2 highest purchase categories each month, up to $150,000 each calendar year in purchases. Categories include transit purchases, U.S. purchases made from electronic goods retailers and software and cloud system providers, monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S., U.S. purchases at gas stations, U.S. purchases at restaurants, and purchases with U.S. media providers for advertising in select media.

This perk alone could help you earn up to 600,000 Amex Membership Rewards points per year, which are worth $13,200 based on our valuations.

Delta SkyMiles^® Reserve Business American Express Card

Terms Apply / Rates & Fees

Delta SkyMiles^® Reserve Business American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Learn More(at Amex's secure site)

Delta SkyMiles^® Reserve Business American Express Card

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Welcome Offer

Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

80,000 miles

UP's Bonus Valuation*:

$960

Annual Fee

$650

APR

20.24% - 29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Delta SkyMiles^® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

Pros & Cons

Pros

• 3x miles per dollar on Delta purchases
• 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
• Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.

Cons

• High annual fee
• Does not earn many miles for purchases outside of Delta spend

Read Full Review

Card Highlights

• Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
• Enter Delta Sky Club^® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• Earn 3 miles per dollar on eligible Delta purchases.
• Get closer to elevated Status next Medallion^® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles^® Reserve Business American Express Card.
• Receive a Companion Certificate on First Class, Delta Comfort+^®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles^® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
• Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
• When you purchase a Delta flight with your Delta SkyMiles^® Reserve Business Card, you will receive complimentary access to The Centurion^® Lounge or Escape Lounge – The Centurion^® Studio Partner.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles^® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles^® Reserve Business American Express Card.
• Terms and limitations apply.

Financial Snapshot

• APR: 20.24% - 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta SkyMiles Frequent Flyer Program

Consider the Delta Reserve Business card if you’re interested in the Delta Platinum Business card, but want to receive even more Delta miles and benefits.

Made for the most loyal of Delta flyers, the Delta Reserve Business card offers access to Delta Sky Clubs and Amex Centurion lounges when flying Delta, 2,500 Medallion Qualification Dollars each qualification year, and 1 MQD for every $10 spent on your card.

The card also offers an annual companion certificate good for a first class ticket, annual credits with Resy, ride-shares, and Delta Stays, and complimentary upgrades on Delta flights.

For the baggage insurance plan benefit of the Delta SkyMiles^® Platinum Business American Express Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip delay insurance benefit of the Delta SkyMiles^® Platinum Business American Express Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the car rental loss and damage insurance benefit of the Delta SkyMiles^® Platinum Business American Express Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the purchase protection benefit of the Delta SkyMiles^® Platinum Business American Express Card, when an American Express^® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the Delta SkyMiles^® Platinum Business American Express Card, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.