Delta SkyMiles Platinum Business American Express Card — Full Review [2021]

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Delta SkyMiles Platinum Business American Express Card — Full Review [2021]

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"SkyMiles and Premium Small Business Benefits"

Between a nice welcome bonus and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers. Plus, get access to the small business perks designed to help you manage your spending.

Learn More (at Amex's secure site)

As a small business owner and frequent Delta flyer, the Delta SkyMiles® Platinum Business American Express Card 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!

Delta Platinum Business Card — Snapshot

The Ideal Cardholder

Platinum Delta Amex Benefits
Get one free checked bag for you and up to 8 people with this card, which is worth $60 for each person round-trip. Image Credit: Alexander Chaikin via Shutterstock

The Delta Platinum Business Card – 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 3 miles per $1 for purchases made directly with Delta and 3 miles on every eligible dollar spent on purchases made directly with hotels; 1.5 miles per $1 on purchases larger than $5,000 (up to 50,000 additional miles per year), and 1 mile per $1 for everything else.

It’s also nice to know that Delta SkyMiles don’t expire, so you don’t have to keep up with expiration dates.

Bottom Line: Earn 3x miles for purchases made with Delta, 3x miles for purchases directly with hotels, 1.5 miles on purchases larger than $5,000, and 1x miles for all other purchases with the Delta Platinum Business card.

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).

With Status Boost, you have the opportunity to earn 10,000 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.

Bottom Line: The Delta Platinum Business card earns 10,000  MQMs when you spend at least $25,000 on the card each year, up to 2x per year.

Platinum Travel Benefits on Delta With the Card

As a member of the Delta Platinum Business card, you can take advantage of several great perks.

For example, you can check your first bags free. Then, stay ahead of the crowd by boarding the plane early with complimentary Main Cabin 1 priority boarding.

Bottom Line: Great perks come with the Delta Platinum Business card, like free first checked bags and Main Cabin 1 Priority Boarding. 

Free Domestic Companion Certificate

One of the most valuable benefits of the Delta Platinum Business card 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 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.

Through December 31, 2021, cardholders will also get $15 back per month on U.S. wireless services when they enroll through Amex Offers.

Bottom Line: Small business owners get free employee cards plus all Amex business benefits when using the Delta Platinum Business card.

Additional Perks of the Delta Platinum Business Card

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. Cell phone protection covers your phone in case of theft or damage, like a cracked screen.

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.

Bottom Line: Delta Platinum Business cardholders enjoy protections for their purchases, warranties, car rentals, baggage, travels, and more with their card benefits!

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

Delta Platinum Business Card — Fees

  • Annual Fee
    • $250
  • Foreign Transaction Fees
  • Interest Rates
    • 15.74% - 24.74% Variable
  • Late fees
    • 29.24% Variable
    • Up to $39
  • Cash Advance APR
    • 25.24% Variable
    • Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Additional Info

Best Way to Maximize Delta SkyMiles

Just like with any airline credit card, the Delta Platinum Business card is most valuable when you use it to book airfare. In this case, you’ll earn 3x 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 8x 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.

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: Use the SkyMiles shopping program or the Delta Dining program to earn miles for purchases and meals you would otherwise already be spending money on.

Tip #4: One of the great benefits of 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:

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, and annual companion certificate to ensure you receive maximum value!

Platinum Delta Companion Certificate
When you renew the Delta Platinum Business card each year, you will get a companion certificate to use for a domestic flight (less taxes and fees). Image Credit: via Shutterstock

Best Way to Redeem Delta SkyMiles

Once you’ve collected miles with the Delta Platinum Business cardthe 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. But did you know you can get a Sky Club membership with unlimited access by redeeming miles?

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.

Non-Travel Redemptions

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 DeltaPlatinum Business card does not have any travel partners, cardholders do have access to Delta SkyMiles partners.

AeroflotGaruda Indonesia
Aerolineas ArgentinasKenya Airways
Air EuropaKorean Air
Air FranceMiddle East Airlines
AlitaliaSaudia Airlines
Delta Air LinesTarom
China AirlinesVietnam Airlines
China EasternXiamen Airlines
Czech Airlines

Non-Alliance Partners: Alaska Airlines, Great Lakes Airlines, GOL, WestJet, Hawaiian Airlines, Virgin Australia, Virgin Atlantic

Hotel Partners: Hilton, Okura, Marriott, IHG, Radisson, Accor Hotels, Prince, Hyatt, Langham, Maritime, Millennium, New Otani, Nikko, Shangri-La, Taj, Worldhotels, JAL City

Car Rental Partners: Hertz, National, Alamo, Enterprise, Europcar

Alternative Cards to the Delta Platinum Business Card

The biggest drawback to the Delta Platinum Business card 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.

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 American Express® Business Gold Card. Although it has a annual fee similar to the Delta Platinum Business card, it has tons of perks and benefits.

For instance, get 2x points in 2 business-related categories where you spend the most each month (up to $150,000 in purchases annually).

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.

Bottom Line: There may be better cards for you depending on your situation, or you can combine the Delta Platinum Business card with other cards for maximum benefit.

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 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 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.

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:

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 Delta Platinum Business 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.

Cell phone protection — Receive up to $1,600 in cell phone protection (2 claims per year with up to $800 for each claim) against theft and damage; each claim has a $50 deductible and your monthly phone bill should be paid with your Delta Platinum Business card to receive coverage.

For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.

Frequently asked questions

What are the benefits of the Delta Platinum Business card? Is it worth it?

As a business owner, there are many reasons to use the card.

In addition to earning 3x SkyMiles for Delta purchases, 3x miles for hotels, 1.5 miles on purchases over $5,000, and 1x miles for all other purchases, you receive benefits such as:

  • Free first bag checked free
  • Priority boarding
  • 20% savings on inflight 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 Delta Platinum Business card offer small business owners?

Earn 3x miles on Delta purchases, 3x miles on hotels, 1.5 miles on purchases over $5,000, 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.

Does the Delta Platinum Business card have an annual fee?

Yes, there is an annual fee of $250 (see rates and fees).

When do  Delta Platinum Business card 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 Delta Platinum Business card?

No, you will not be charged a foreign transaction fee with the card.

Who are the  Delta Platinum Business card 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 Delta Platinum Business card?

No; currently, the card is not offering a 0% APR introductory offer. For more information, see Rates & Fees 

Does the Delta Platinum Business card 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.

Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.

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