As a small business owner and frequent Delta flyer, the Platinum Delta SkyMiles® Business Credit Card from American Express is your go-to credit card.
You like knowing you’re earning double the miles for purchases with Delta; benefits like no foreign transaction fees, priority boarding, and a free checked bag each flight only sweeten the deal.
Plus, you can redeem your miles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!
Card Summary Table
- Card Bonus & Info (Partner Content)
- Card Provider
- Card Type(s):
- Card Focus:
- Annual Fee
- Rewards Center
- Foreign Transaction FeesNone
- Typical UsersBusiness Owners, Frequent Travelers, International Travelers
- Customer Service Number
- Login Link
- PartnersRedeem miles earned on this co-branded American Express card with Delta Air Lines and other airline partners, including SkyTeam members.
- Interest Rates
- 0% introductory APR for 6 months on purchases
- After that: 17.49% - 26.49% Variable. Offer expires 11/07/2018.
- Late fees ?
- 29.99% Variable
- Balance Transfers
- See Rates & Fees
- Cash Advance APR
- 26.99% Variable
The Ideal Cardholder
The Platinum Delta SkyMiles® Business Credit Card from American Express – Bonus and Earnings Potential
The welcome bonus on the card is typically great. See the card summary table above for current details, and make sure to spend the required amount in the set amount of time to earn it!
You will earn 2 miles per $1 for purchases made directly with Delta and 1 mile per $1 for everything else.
This card’s annual fee is $195 beginning the first year.
It’s also nice to know that Delta SkyMiles don’t expire, so you don’t have to keep up with expiration dates.
Earning Medallion Qualification Miles
In addition to earning Delta SkyMiles with the card, you can earn status miles that Delta calls Medallion Qualification Miles (MQMs).
Through Miles Boost, you have the opportunity to earn 10,000 SkyMiles and 10,000 MQMs when you spend at least $25,000 on the card during the year.
Spend a minimum of $50,000 on the card and get an additional 10,000 SkyMiles and 10,000 MQMs for a total of 20,000 each!
To put that into perspective, 20,000 MQMs puts you close to the 25,000 MQMs necessary to achieve Silver status, Delta’s first elite level.
With Silver status, you can automatically earn Starpoints for stays at Starwood hotels, complimentary upgrades, and much more.
Reach Platinum or Diamond status to select a Choice Benefit of 20,000 and 25,000 miles respectively, along with tons of other benefits.
Platinum Travel Benefits on Delta With the Card
As a member of this Delta business credit card you can take advantage of several great perks.
For example, you and up to 8 guests can check your first bags free as long as everyone is on the same reservation. That’s a $50 savings round-trip for each traveler!
Then, stay ahead of the crowd by boarding the plane early with complimentary Zone 1 priority boarding.
Do you travel internationally for your business? If so, you will appreciate that there are no foreign transaction fees for purchases. Since many business credit cards charge a 3% fee and other American Express cards charge a 2.7% fee, the savings here can add up quickly.
While we’re on the subject of savings, when you make in-flight purchases such as food, beverages, movies, TV, video games, and audio headsets, you’ll get a 20% discount. It will appear automatically as a statement credit on your bill.
Plus, sample the amenities at the Delta Sky Lounge for a reduced fee of $29 per day. Here you’ll find complimentary snacks and drinks, Wi-Fi, satellite TV, and more!
Free Domestic Companion Certificate
One of the most valuable benefits of the Platinum Delta SkyMiles® Business Credit Card from American Express is the Companion Certificate.
Receive a main cabin round-trip certificate for domestic travel when you renew your card each year. It’s good for any domestic flight for which you hold a reservation.
You will be responsible for up to $75 in government taxes and fees for round-trip domestic flights.
Card Perks for Small Business Owners
Earn as many SkyMiles as possible by getting cards for your employees. Not only are employee cards free, but you can also rack up the miles based on purchases your employees make with them.
Ease some of the financial pressure of being a small business owner by having the flexibility of paying for your purchases over time. You will still accrue interest, but the option to not pay in full at the end of the month may sometimes be worth it.
Plus, each Delta business credit card comes with all the OPEN benefits designed to simplify your finances.
Access your online statements and other account information with the mobile and tablet apps. The apps are a convenient way to keep up with your credit card purchases when you’re on the go.
Set up spending and fraud alerts to get notified when your bill due date is approaching so you don’t incur late fees. Finally, add tags and notes to purchases with ReceiptMatch.
You get access to all of these benefits and more just for being an American Express OPEN member. Plus, you can check out the OPEN Forum for answers to business-related questions from industry experts!
Additional Perks With The Platinum Delta SkyMiles® Business Credit Card from American Express
Other perks of using the card are shopping and travel-related benefits.
For example, purchase protection protects items you buy from accidental damage and theft for up to 90 days. You also have the option of extending your manufacturer’s warranty up to a year with an extended warranty.
You have enough on your plate while traveling. Why not let American Express take over by providing car rental loss/damage insurance, roadside assistance, baggage insurance, and travel accident insurance?
There’s also a global assist hotline you can call if you need help when traveling, whether you’ve lost a passport or need medical help.
Drawbacks and Alternatives to the Card
The biggest drawback to the Platinum Delta SkyMiles® Business Credit Card from American Express applies to those who don’t prefer flying Delta Air Lines.
If this is the case, you may be better off with a cash-back card so you can put money back in your business.
The SimplyCash® Plus Business Credit Card from American Express is one option. It earns up to 5% cash-back on purchases and typically comes with a good APR offer. See their rates & fees here.
To earn more general travel rewards, an American Express card that earns Membership Rewards and includes the ability to transfer points to any of the 20 loyalty partners may be more your speed.
Consider The Business Gold Rewards Card from American Express OPEN. Although it has a $175 annual fee after the first year, it has tons of perks and benefits.
For instance, get 3x points in 1 of 5 business-related categories plus 2x points on the rest for up to $100,000 in purchases. There’s no pre-set spending limit either, which makes this card attractive for a flexible budget.
Overall, the only real earnings category with the Delta business card is purchases through Delta.
But this lack of categories may be okay with you, as long as you earn the big spend bonus at the end of the year and like to redeem SkyMiles for travel on Delta.
Final Thoughts on the Card
In the end, you should decide whether to apply for the Platinum Delta SkyMiles® Business Credit Card from American Express based on the value you can get with the card in terms of your own business spending.
If you like flying Delta Air Lines and want the awesome perks like discounted access to the Sky Lounge, 20% off in-flight purchases, Zone 1 priority boarding, and a free checked bag per flight, you are bound to get some serious value from the card!
Great Card If
- You travel primarily on Delta Air Lines
- You will spend at least $25,000 in business purchases each year (or as much as $50,000)
- Your business travel includes domestic and international flights
Don't Get If
- You don’t travel for business
- You are not near a Delta hub
- You prefer to travel on airlines other than Delta
- You would rather earn cash-back rewards
U.P. Pro Tips
Cardmembers earn 2x miles on Delta purchases with the Platinum Delta SkyMiles® Business Credit Card from American Express – and that isn’t limited to airfare!
Put baggage fees on the card too and you’ll also earn 2x miles. Even inflight purchases earn 2x miles — and qualify for that 20% discount!
How to Use the Platinum Delta SkyMiles® Business Credit Card from American Express: The Upgraded Way
Best Way to Maximize Points
Just like with any airline credit card, the Platinum Delta SkyMiles® Business Credit Card from American Express is most valuable when you use it to book airfare. In this case, you’ll earn 2x miles for flying Delta.
As a member of the SkyMiles loyalty program, you’ll get an additional 5x miles for Delta flights, equaling a total of 7x miles!
With a little creativity, you can accrue miles in other ways too. We compiled a list of tips to ensure you get maximum value from your card.
Tip #1: Strive to qualify for the big spend bonuses by putting all your business expenses on the card.
For example, spend $25,000 in a calendar year to earn 10,000 MQMs and 10,000 bonus miles, or reach $50,000 for an additional 10k MQMs and 10,000 bonus miles!
Even though many of your expenses will be non-Delta purchases, you’ll still earn at least 1 mile per $1 for everything.
Tip #2: Qualify for elite status and you’ll rack up the miles even faster: Silver (2x), Gold (3x), Platinum (4x).
Plus, Platinum members get to select a Choice Benefit and Diamond members get to select 2 Choice Benefits. One of those options is up to 25,000 bonus miles!
Reach elite status quicker by getting free cards for your employees. Then make sure they are put to good use so you earn tons of miles!
Tip #3: Take advantage of the Crossover Rewards Program between Delta SkyMiles and Starwood Preferred Guest to earn 1 mile per $1 when you stay at participating SPG hotels.
Also, SPG points convert to Delta at a 1:1 ratio, so if you have extra Starpoints you can move them on over to SkyMiles! Even better, get an additional 5,000 bonus miles when you transfer 20,000 miles in 1 transaction, for a total of 25,000 miles!
Tip #5: One of the great benefits of the having a Delta business credit card is that Delta partners with Membership Rewards.
That means if you have a personal or business Amex credit card in the Membership Rewards program, you can transfer points to your SkyMiles account.
The following are just 3 of the cards earn Membership Rewards points transferable to Delta SkyMiles:
- The Business Platinum® Card from American Express OPEN
- The Business Gold Rewards Card from American Express OPEN
- Business Green Rewards Card from American Express OPEN
Keep in mind, getting value from the card is not just about earning points. Be sure to take advantage of perks like the free baggage credit, in-flight discount, and annual companion certificate to ensure you receive maximum value!
Best Way to Redeem Points
Once you’ve collected miles with the Platinum Delta SkyMiles® Business Credit Card from American Express, the primary method to redeem them is of course by booking flights on Delta Air Lines.
But you can also redeem miles with many Delta partners and codeshare partners, including members of the SkyTeam Alliance (see list below).
We estimate the value of these airfare redemptions to be at least $0.02/mile.
In the past, Delta published an official award chart, which made it easy to figure out the lowest airfare available.
Although Delta stopped making an official award chart available, you can reference the old award chart (as well as great trip ideas!) included in our article How To Redeem Delta SkyMiles for Max Value.
Here are some other redemption methods:
Upgrade Your Seat
Enhance your travel experience by upgrading your seat when booking any eligible U.S. flight. Just apply SkyMiles to the difference in cost between main cabin fare and a business class, first class, or Delta One fare.
Already have a flight booked? You can redeem SkyMiles for a Mileage Upgrade Award from the main cabin to Delta One, first class, or business class.
Become a Sky Club Member
As a cardholder, you have access to the Delta Sky Club at a discounted rate of $29 per visit. But did you know you can get a Sky Club membership with unlimited access by redeeming miles?
Redeem 47,000 miles for an Individual Membership with unlimited access, and bring up to 2 guests at $29 per visit.
For 70,000 miles, get an Executive Membership, which permits you to bring 2 guests at no cost each time you visit.
Pay With Miles
Pay With Miles to reduce the cost of your flight. For every 5,000 SkyMiles redeemed, you get $50 in credit toward your airfare.
Unfortunately, SkyMiles are only valued at $0.01 each with this option, but it’s a relatively good way to utilize extra miles.
Redeem SkyMiles to shop the SkyMiles Marketplace, purchase a magazine subscription, or bid on one of the many once-in-a-lifetime SkyMiles Experiences.
Or, you can donate your miles to a charitable organization through SkyWish.
Although the Platinum Delta SkyMiles® Business Credit Card from American Express does not have any travel partners, cardholders do have access to Delta SkyMiles partners.
SkyTeam Alliance: Aeromexico, Vietnam Airlines, Garuda Indonesia, Middle East Airlines, Xiamen Airlines, Alitalia, Saudi Airlines, Air Europa, Kenya Airways, KLM, Aerolineas Argentinas, Czech Airlines, Korean Air, China Eastern, China Southern, Aeroflot, Air France, TAROM, China Airlines
Car Rental Partners: Hertz, National, Alamo, Enterprise, Europcar
Now that we’ve examined the many methods available to earn and redeem Delta SkyMiles, we hope you can see how valuable the card from American Express can be.
But how does real math support the card’s earning potential? As a small business owner, seeing the figures in black and white can ensure you choose the right business credit card for your purposes.
Let’s start with what we already the know – the cost of the card per year and the earnings categories:
|Annual Fee||SkyMiles Earned for Delta Purchases||SkyMiles Earned for All Other Purchases|
Based on the $195 annual fee, the value of the card must exceed this amount for it to be worth using.
We’ve found Delta SkyMiles to be worth between $0.005 to $0.015 each. To make the calculations in this section easier to compute, let’s assume the value of each SkyMile to be $0.012.
At $0.012 per mile, you would need to earn at least 16,250 SkyMiles to break even.
Earning SkyMiles on a Small Business Budget
We will use the following budget to figure out how many SkyMiles a small business would earn in a calendar year. You’ll see the total spent is $135,800.
|Shipping||$4,000||Airline Expenses related to above||$1,000|
|Cell Phone||$2,400||Hotel Expenses related to above||$1,000|
|Landline||$ –||Legal Fees||$10,000|
|Cable||$ –||Web Expenses (including dev)||$12,100|
|Gas Station||$5,200||Other Transportation||$500|
|TOTAL BUSINESS SPEND||$135,800|
For math’s sake, let’s assume the $1,000 in airline expenses represents Delta flights only. After entering the numbers, we get the following grand total:
|1x All Other Purchases||$134,800||134,800|
So, it’s possible to earn 136,800 miles with the card, which is a great deal more than the 16,250 miles needed to break even! At $0.012 per mile, the value of 136,800 miles is $1,641.60.
Earning More Miles
The grand total of $1,641.60 for this sample business is just a starting point.
And don’t forget the Miles Boost! You can earn up to 20,000 bonus miles (and MQMs) by spending $50,000 in a calendar year!
Compared to the Gold Delta SkyMiles® Business Credit Card from American Express
How does this card stack up against the other Delta business credit card – the Gold Delta SkyMiles® Business Credit Card from American Express?
Both cards have the same earning rate (2x miles Delta and 1x everything else) and perks (free checked bag, priority boarding, in-flight discount, and more).
However, only the Platinum Delta SkyMiles® Business Credit Card from American Express comes with a Companion Certificate each year and the potential to earn a big spend bonus.
Of course, it costs a little more to get those extra benefits.
The annual fee for the Platinum Delta business card is $195 starting the first year, while the annual fee for the Gold Delta SkyMiles® Business Credit Card from American Express is $95 after the first year.
If your small business spends at least $25,000 (to qualify for the big spend bonus), the Platinum Delta SkyMiles® Business Credit Card from American Express is probably the better offer.
Math Final Thoughts
Using the Delta business credit card regularly adds up to pretty big value over a year, especially when you calculate in the benefits for a frequent traveler.
If you research available flights carefully before redeeming, your travel can be worth even more. And remember, that’s not including the miles you can earn by qualifying for the big spend bonus!
The Gritty Details: Everything Else You Need to Know
Here are a few things to keep in mind when using the card.
As with most airline credit cards, the welcome bonus is only open to new cardholders.
The companion certificate is awarded during your renewal month each year. It is valid for one round-trip main cabin ticket and must be redeemed at delta.com. You are responsible for taxes and fees.
Just like with any credit card, it’s a good idea to fully review the terms and conditions.
Unique Features for Business Owners
American Express OPEN credit cards offer benefits designed with the small business owner in mind, such as:
Account alerts – Monitor employee card use and remember when your due date is close by setting up account alerts.
Mobile and tablet apps – No matter where you are, you can access your credit card account on the mobile and tablet apps.
Dispute resolution – American Express will resolve issues of fraudulent card activity so you are protected.
Online statements – Checking your account and viewing your purchase history is easy with online statements.
ReceiptMatch – Quickly add photos, tags, and notes to the transactions on your online statement.
Account manager – When you need help, just assign an account manager to review statements, make payments, and manage employee cards.
OPEN Forum – Get expert advice and access business tools on the OPEN Forum.
More Unique Card Features
As a cardholder, you will also receive several insurance protections designed to make every travel experience more comfortable, including:
Roadside assistance hotline – Flat tires, dead batteries, and other driving emergencies happen. Gain peace of mind on the road knowing help is a phone call away.
Car rental loss and damage insurance – If your vehicle is damaged or stolen, you are covered when you reserve and pay for your rental car with the card.
Baggage insurance plan – Whether your checked luggage is lost, damaged, or stolen, you are covered up to $500. Carry-on bags are covered up to $1,250.
Travel accident insurance – Pay your common carrier fare with the card and receive coverage for accidental death and dismemberment when traveling.
Global assist hotline – Being a cardmember can protect you when traveling more than 100 miles from home. No matter what the emergency (financial, medical, legal, or otherwise), call the global assist hotline for help.
In addition to all the above benefits, the card offers additional discounts and conveniences, such as:
Discounted Delta Sky Club access – For just $29, visit the Delta SkyClub with 2 traveling companions to enjoy complimentary snacks, beverages, TV, Wi-Fi access, private restrooms, and more.
Save 20% on in-flight purchases – Purchase eligible items such as food, beverages, television, video games, movies and/or audio headsets and you’ll find a 20% credit on your statement.
Annual miles boost – Cardmembers earn 10,000 MQMs and 10,000 bonus miles after spending $25,000 on your card in a calendar year. Spend $50,000 and earn an additional 10,000 MQMs and 10,000 bonus miles!
Medallion Qualifying Dollar waiver – You’ll be exempt from the MQD requirements of obtaining elite status.
Annual Companion Certificate – On every anniversary, receive a Companion Certificate for domestic travel within the continental U.S. Just pay taxes and fees to redeem.
Pay With Miles – Purchase miles in increments of 5,000 for $50 each to reduce the cost of a cash ticket, award fees, and more.
ShopRunner – The ShopRunner program offers free online shipping from a variety of online merchants. Receive complimentary access as a cardholder.
Priority boarding – Board the plane sooner so you can settle in for your trip as a Platinum Delta SkyMiles® Credit Card from American Express cardholder.
Purchase protection – Get a refund when an item bought with the card is broken or stolen within 90 days of the original purchase date.
Extended warranty – Add up to 1 year to the original manufacturer’s warranty on eligible purchases when you shop using the card.
Return protection – Your vendor won’t accept a return? Return protection can help if it’s within 90 days of the purchase.
Photo Credits/Credit/Copyright Attribution:
Man With One Suitcase: Alexander Chaikin/Shutterstock
In-flight dining cart: 77sch/Shutterstock
Couple at Airport: Rawpixel.com/Shutterstock
Woman on Laptop: S_Photo/Shutterstock
What are the benefits of the Platinum Delta SkyMiles® Business Credit Card from American Express? Is it worth it?
As a business owner, there are many reasons to use the card.
In addition to earning 2x SkyMiles for Delta purchases and 1x miles for all other purchases, you receive benefits such as:
- Free first bag checked free
- Priority boarding
- 20% savings on in-flight purchases
- Discounted SkyLounge passes
Redeem miles earned for travel on Delta, trips with SkyTeam member airlines, and other travel and non-travel partners.
Also enjoy access to a suite of small business tools like mobile and tablet apps, and online statements.
What does the Platinum Delta SkyMiles® Business Credit Card from American Express offer small business owners?
Earn 2x miles on Delta purchases plus 1x miles for all the other business expenses you put on the card. This is a terrific benefit for business travelers!
You’ll receive online statements and free employee cards as well as access to your account via the tablet and smartphone apps.
Find answers and advice about running a business at the OPEN Forum. Plus, earn 2x miles or a 5% discount for purchases made from OPEN partners such as Hertz, FedEx, and HP.com.
Does the Platinum Delta SkyMiles® Business Credit Card from American Express have an annual fee?
Yes, there is an annual fee of $195, including the first year.
When do Platinum Delta SkyMiles® Business Credit Card from American Express points expire?
Miles earned with the card expire per Delta’s mileage expiration. However, each time you use the card, that resets the mileage expiration.
Are there foreign transaction fees with the Platinum Delta SkyMiles® Business Credit Card from American Express?
No, you will not be charged a foreign transaction fee with the card.
Who are the Platinum Delta SkyMiles® Business Credit Card from American Express travel partners?
Although the card itself does not have travel partners, as a cardmember you can access Delta partners including the SkyTeam Alliance and a wide variety of travel and non-travel partners.
Is there a 0% APR offer with the Platinum Delta SkyMiles® Business Credit Card from American Express?
Currently, this card includes a 0% introductory APR for 6 months on purchases, then a variable APR of 17.49%-26.49% will apply. See the rates and fees in the card summary table for details on their current APR offer.
Does the Platinum Delta SkyMiles® Business Credit Card from American Express come with a companion ticket?
Each year when you renew your card, you’ll receive a Companion Certificate good for any domestic flight for which you have a reservation.
Please note you will need to pay up to $74 in government taxes and fees per round-trip domestic flight.