26 Benefits of the Amex Delta Platinum Business Card

If you’re a business owner, even a small business owner, and you fly frequently on Delta Air Lines, a Delta-branded credit card should be on your list to consider. Delta-branded cards can save you money during your travels, make your journey more comfortable, and provide a faster path to Delta Medallion elite status.

American Express issues several personal and business Delta-branded cards, each of which provides a unique level of benefits for frequent Delta travelers.

Our focus in this article is the mid-level Delta SkyMiles^® Platinum Business American Express Card. The card offers plenty of Delta travel benefits without having a high annual fee.

Today we’ll cover:

• How you’ll earn SkyMiles on the card
• Which Delta-specific travel benefits you can expect with the card
• Options for redeeming your SkyMiles
• The business, travel, and shopping benefits that come with the card

Let’s embark on our journey to discover if the Delta Platinum Business card could be the right Delta-branded card for your business.

Earning Delta SkyMiles

There are so many ways to earn Delta SkyMiles on your Delta Platinum Business card.

1. A Generous Welcome Bonus

As with most travel rewards credit cards, the Delta Platinum Business card offers a welcome bonus of tens of thousands of SkyMiles for meeting minimum spending requirements in the first 6 months after you’re approved for the card.

Offers vary, however, and the current welcome bonus may include any or all of these.

Terms Apply / Rates & Fees

Delta SkyMiles^® Platinum 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.

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

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Delta SkyMiles^® Platinum Business American Express Card

Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

Welcome Offer

Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

70,000 miles

UP's Bonus Valuation*:

$840

Annual Fee

$350

APR

19.99% - 28.99% 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

Small business owners and frequent Delta flyers can make the Delta SkyMiles^® Platinum Business American Express Card your go-to credit card.

Cardholders earn 3x SkyMiles per dollar for purchases with Delta and access benefits, including no foreign transaction fees, priority boarding, and a free checked bag for each flight (rates & fees).

Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!

Pros & Cons

Pros

• Save 15% on award travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees
• 3x SkyMiles per $1 spent on Delta and hotel purchases
• 1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to $100,000 per year

Cons

• $350 annual fee
• Does not earn transferable rewards

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Card Highlights

• Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
• Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles^® Platinum Business American Express Card. The Companion Ticket requires payment of the 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.
• Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
• 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 $20 of purchases with your Delta SkyMiles^® Platinum Business American Express Card.
• 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.
• With the $120 Resy Credit, earn up to $10 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^® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
• 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 $200 after using your Delta SkyMiles^® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Terms and limitations apply.

Financial Snapshot

• APR: 19.99% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta Air Lines SkyMiles Frequent Flyer Program

2. Earn More on Delta Purchases

Every Delta purchase you make earns 3 Delta SkyMiles for every dollar spent on your card. Eligible purchases include Delta flights, Delta vacation packages, upgraded seats, fees, Sky Club membership, inflight Delta purchases, and purchasing miles.

3. Earn More on Hotel Purchases

Traveling includes booking both flights and hotels so earning 3 miles per dollar spent on your card at hotels could result in a lot of extra SkyMiles in your Delta frequent flyer account.

4. Earn More on Large Purchases

Most businesses have a lot of expenses. Earn 1.5x miles on eligible transit purchases, eligible U.S. shipping purchases, as well as for each single eligible purchase of $5,000 or more, up to $100,000 of combined eligible purchases per year. This is especially awarding for large purchases of $5,000 or more.

5. Earn on Every Purchase You Make

All other purchases made on your Delta Platinum Business card will earn 1 mile per dollar spent.

6. Earn for Referring a Friend

When you’re happy with your Delta-branded credit card, you may want to refer others! American Express will reward that referral with 10,000 to 20,000 Delta SkyMiles deposited in your account once your referral is approved for the card.

7. Additional Users

Adding authorized users to your card can help you accumulate miles faster. There is no additional charge for adding additional users to your card (rates & fees). They also receive the cell phone protection offered by the Amex Delta Platinum Business card.

Bottom Line: There are dozens of ways to earn Delta SkyMiles and we go into detail on all the ways that we know in this Delta SkyMiles earning guide.

Redeeming Your Miles

You’ll be earning so many miles on your Delta Platinum Business card that we want to make you’re aware of all the great redemption options.

Pay with Miles is a specific benefit of having this card but there are many other ways to redeem the miles you earn on your card.

8. Pay With Miles

Delta Platinum Business cardholders can use their SkyMiles towards flight purchases. You must redeem at least 5,000 miles which results in a $50 credit towards the cost of your flight. Redeem for a portion of your flight cost or the entire amount.

9. Redeem Miles for Delta Award Flights

Delta award flights can be purchased for as little as 10,000 miles one-way. Although Delta doesn’t publish an award chart, premium international flights cost much more.

Delta does run flash sales, however, when award flights are discounted.

We’ve put together several examples for maximizing your miles for award flight purchases to give you some ideas!

10. Redeem Miles for Flights With SkyTeam Alliance Partner Airlines

Use your miles to purchase award tickets on partner airlines and other SkyTeam Alliance airlines.

11. Redeem for Seat Upgrades and Ticket Fees

Use your miles during the flight booking process to upgrade your seat with the “Upgrade with Miles” benefit or purchase Mileage Upgrade Awards for upgrades on an eligible existing reservation.

In addition, you can use your miles to pay for ticket change fees, mileage deposit charges, and same-day confirmed flight fees.

12. Redeem Miles at the SkyMiles Marketplace and More

Rent a car, book a hotel, or redeem your miles for merchandise, gift cards, or magazines.  While not usually the best value for your miles, you’ll find thousands of choices in the SkyMiles Marketplace.

Bottom Line: Delta Platinum Business cardmembers have the option to pay for their flights with the Pay with Miles benefit. Each 5,000 miles redeemed results in a $50 credit towards your flight cost.  You’ll also find dozens of additional ways to redeem your SkyMiles. 

Delta Air Travel Advantages

Having the Delta Platinum Business card can save you money on bag fees, inflight purchases, and more.

Here are the travel benefits you can expect when flying with Delta.

13. Annual Statement Credits

There are several annual statement credits, if maximized, that can help make up for the annual fee.

• Annual $120 Resy credit: Earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled card.
• Annual $120 rideshare credit: Earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your enrolled card.
• Annual $200 Delta Stays credit: Earn up to $200 back annually on eligible prepaid Delta Stays bookings on delta.com.

14. Priority Boarding

Board the plane early as cardmembers and up to 8 additional travel companions on the same reservation receive complimentary Zone 5 priority boarding.

15. Free Checked Bag

Save on checked baggage fees with a free checked bag for you and up to 8 traveling companions on the same reservation.

16. Delta SkyMiles Companion Certificate

At each card anniversary, you’ll enjoy a companion flight certificate you can use to receive an additional main cabin Delta ticket when you purchase a ticket.

You need only to pay for taxes and fees on the additional ticket. This companion ticket is valid for domestic, Caribbean, and Central America flights.

17. Inflight Discounts

Use your card for inflight purchases such as headsets, food, and beverages and receive a 20% statement credit.

18. Global Entry or TSA PreCheck Credit

Your Delta Platinum Business card offers a statement credit when you charge your Global Entry or TSA PreCheck fee with your eligible card. The credit is provided every 4 years for Global Entry or every 4.5 years for TSA PreCheck, up to $120 as of October 1, 2024.

Bottom Line: The Delta Platinum Business card offers travel benefits that can save you money, such as a free checked bag for you and your travel companions, discounted lounge access, and inflight purchase credits. You’ll also have the privilege of priority boarding and receive a companion flight certificate at each card renewal. 

A Faster Path to Delta Medallion Elite Status

Each calendar year, in order to qualify for Medallion Elite status, Delta requires that you reach a specific level of Medallion Qualification Dollars (MQDs).

19. Receive a MQD Headstart

Cardholders automatically receive $2,500 MQDs each Medallion Qualification Year.

20. MQD Boost

In addition, cardholders earn $1 MQD for each $20 purchase with your card.

Managing Your Business Expenses

The Delta Platinum Business card has several benefits designed specifically for tracking and organizing your business expenses.

21. Benefits for Businesses

• Free employee cards
• Ability to set spending limits and approved categories for employee cards
• Year-end statements
• Connect to Quickbooks
• American Express business app
• Ability to designate an account manager other than the cardholder
• Digitally pay vendors

Hot Tip: Be sure you’re up to date on all of the benefits of earning and using points and miles with your business.

Travel Protection and Other Perks

22. Trip Delay Insurance

When your flight is delayed 12 hours or more, you could receive up to $300 in reimbursements for covered expenses.

23. Baggage Insurance Plan

Whether you’re checking bags or going with a carry-on, the baggage insurance plan has you covered. Receive up to $1,250 for carry-on or $500 for checked baggage if your bags are damaged or stolen.

Coverage is secondary to any other coverage you might have.

24. Car Rental Loss and Damage Insurance

Pay for your rental car with your eligible card, decline the rental car agency’s collision/loss damage waiver, and receive secondary coverage for your rental car.

Car rental insurance on your Delta Platinum card covers your rental car for theft or damage. Secondary coverage means you must file a claim with any other applicable car insurance first.

25. Global Assist Hotline

When you’re traveling 100 miles or more from home, you’ll have access to assistance 24/7 with the Global Assist Hotline. Receive help with arranging emergency transportation, finding an English-speaking doctor, legal referrals, and much more.

26. No Foreign Transaction Fees

No worries here — your purchases abroad will not incur any foreign transaction fees (rates & fees).

Shopping Protections and Benefits

27. Purchase Protection

Purchase an eligible item with your card and receive coverage for damage or theft for up to 90 days from the date of purchase. Coverage is limited to $1,000 per purchase, up to $50,000 per card.

28. Extended Warranty

Manufacturer’s warranties of 3 years or less on eligible items purchased with your card will be extended 1 additional year.

29. The American Express Auto Purchasing Program

Receive favorable pricing on your new auto purchase, receive up to $2,000 in post-purchase benefits, and have the ability to charge at least $2,000 of the purchase price (or more) on your Delta Platinum Business card.

30. Cell Phone Protection 

Delta Platinum Business cardholders now receive up to $1,600 in cell phone protection (2 claims per year with up to $800 for each claim) against theft and damage, including cosmetic damage (like a cracked phone screen). Each claim has a $50 deductible and your monthly phone bill should be paid with your Delta Platinum Business card to receive coverage.

Final Thoughts

Delta has several branded credit cards, each of which may be a fit for a different level of Delta traveler. If your primary airline is Delta, chances are there’s a card that matches your spending profile, your travel benefit preferences, and an annual fee with which you’re comfortable.

Here are some additional Delta-branded cards:

• Delta SkyMiles^® Reserve Business American Express Card
• Delta SkyMiles^® Reserve American Express Card
• Delta SkyMiles^® Platinum American Express Card
• Delta SkyMiles^® Gold Business American Express Card
• Delta SkyMiles^® Gold American Express Card

If you travel only occasionally on Delta and frequent other airlines, you might consider The Platinum Card^® from American Express or The Business Platinum Card^® from American Express. Both cards offer access to over 1,200 airport lounges worldwide, including Delta Sky Clubs. You’ll also find a long list of premium travel benefits including hotel elite status, travel statement credits, and an International Airline Program that can save you money on flight purchases.