Delta SkyMiles® Platinum Business American Express Card review

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Garrett Yarbrough  in  Business How we rate our cards  | 

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Best for airline specific perks

Annual Fee:
Purchase Intro APR:
Regular APR:
15.74% - 24.74% Variable
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Best for Delta SkyMiles

  • Rewards rate: 3X miles on Delta and hotel purchases; 1.5X miles on purchases over $5,000 (up to 50,000 additional miles per year); 1X miles on all other purchases
  • Welcome offer: Limited Time Offer: Earn 90,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Offer Ends 11/10/21.
  • Annual fee: $250
  • Purchase intro APR: N/A
  • Balance transfer intro APR: N/A
  • Regular APR: 15.74 percent to 24.74 percent variable

The Delta SkyMiles Platinum Business American Express Card is a fantastic middle-ground option for frequent Delta flyers that want SkyMiles top-tier airline rewards and loyalty benefits but aren’t worried about the $250 annual fee or lack of luxury airport lounge access.

The Platinum Business is without a doubt one of the best Delta SkyMiles cards, but many cardholders might want to consider other travel cards for rewards that aren’t as context-sensitive—even within Delta.

Current welcome offer

If you’re in the market for bonus miles instead of Medallion Qualification Miles (MQMs), the SkyMiles Platinum Business carries Delta’s best business travel welcome bonus. New cardholders can receive a earn a Limited Time Offer: Earn 90,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Offer Ends 11/10/21.

Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.

The spending requirement is easily accessible for a business credit card, once you consider the ticket price for one Premium Select seat on an international Delta flight. The Points Guy’s latest valuation puts Delta SkyMiles at 1.2 cents each, which could make this offer worth an easy $840.


Delta cards earn Delta SkyMiles frequent flyer miles. These travel rewards work like normal airline credit card miles, but there are a few more reward currencies to keep track of if you want to reach elite Medallion Status.

Earning rewards

You’ll earn 3 miles per dollar on purchases made directly with hotels and eligible Delta spending—including flights, seat upgrades, in-flight purchases and more. Like most rewards cards, you’ll earn 1 mile per dollar on all other purchases. However, your eligible large purchases over $5,000 will earn 1.5 miles per dollar, which is a solid bump for non-travel business expenses.

There are a few other ways to earn miles as well. In case Delta isn’t offering the best deal, you can also earn miles on flights with any of Delta’s airline partners. When you’re on the ground, the Delta SkyMiles Dining program is a handy way to earn frequent flyer miles on business meals. You can earn 1 mile per $2 spent—or up to 5 miles per dollar depending on your membership level.

The most valuable way to earn extra miles is to obtain Medallion Status—granting you 7 to 11 miles per dollar on Delta purchases and additional travel benefits. To qualify, you’ll need to earn a set number of Medallion Qualification Miles (MQMs), Medallion Qualification Dollars (MQDs) and/or Medallion Qualification Segments (MQSs) outlined by Delta.

Redeeming rewards

Of course, redeeming your SkyMiles to book travel is the optimal choice. Choosing “Pay with Miles” lets you upgrade seats or book flights with Delta and partner airlines to over 1,000 destinations with no blackout dates. Miles can also book vacation packages, hotels, rental cars and more. You can also “Pay with Miles + Cash” if you’re just shy of the required points.

There are a few other redemption methods, but they aren’t as useful or versatile as general-purpose travel card rewards, such as Capital One miles. For example, you can’t transfer miles to partner airlines. However, you can use Delta miles outside travel for charitable donations or gifts, magazine subscriptions, travel experiences and merchandise.

How much are miles worth?

When you use “Pay with Miles” toward flights, Delta allows you to redeem in 5,000-point intervals for $50 discounts. Delta considers SkyMiles to be worth 1 cent in this case, but they don’t use an award chart like other airlines—meaning your point value varies based on the cost of the flight.

To get a better idea of your rewards’ value before choosing a card, The Points Guy gives Delta SkyMiles a 1.2 cent market value—on the low side when compared to other reward programs.


The Amex Delta Platinum Business card delivers a considerably higher number of valuable benefits than its little sibling, the Delta SkyMiles® Gold Business American Express Card, including standout travel insurance, annual companion certificate and Status Boost features.

Status Boost

Business cardholders aiming for Medallion status elite rewards and benefits can earn 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 with Status Boost®. Plus, throughout 2021 earn an additional 2,500 MQMs after making $25,000 in purchases, up to 2x. That’s in addition to the 10,000 MQMs that you would earn with Status Boost.

Companion certificate

You’ll receive a companion certificate for a complimentary main cabin domestic round-trip flight each year upon renewing your card.

This can be an especially valuable perk when you use it on more expensive flights. Keep in mind that you’ll still owe taxes, baggage fees and similar exclusions on the ticket cost.

Travel perks

On top of “Main Cabin 1” priority boarding, the Delta Platinum Business card offers a wide array of premium travel benefits to justify its annual fee:

  • Travel protections when you pay with your card: Trip-delay insurance (up to $300 per trip, two claims per card annually, for eligible 12+-hour delays), baggage insurance (up to $1,250 for carry-on, $500 for checked luggage) and car rental loss and damage insurance.
  • Other savings and credits: First checked bag free (up to $60), up to $100 application fee credit for Global Entry (every four years) or TSA Precheck (every five years), 20 percent savings on eligible in-flight purchases (as a statement credit) and an exclusive $39 per-visit rate for you and a companion to the Delta Sky Club.

Rates and fees

The biggest kicker when considering the Amex Delta Platinum Business card is its $250 annual fee. There is also no 0 percent intro APR offer to offset the 15.74 percent to 24.71 percent variable APR, if necessary.

However, there are no annual employee card fees and no foreign transaction fees, along with plenty of other travel discounts.

How the Amex Delta Platinum Business card compares to other business cards

The Delta Platinum Business card’s value cements it as the middle-of-the-road SkyMiles business option.

For instance, it beats the $99 annual fee ($0 introductory annual fee for the first year,) SkyMiles Gold Business card, mainly thanks to its trip delay insurance, Global Entry or TSA Precheck fee credit and Medallion Status-related perks.

But if you’re more concerned about reaching Medallion Status each year, the Delta SkyMiles® Reserve Business American Express Card has stronger Medallion Status-earning features and excellent airport lounge access. You should consider upgrading if you’d rather earn more MQMs from your business spending.

For those not loyal to a Delta co-branded card, one of these alternate business travel cards might offer better rewards value, flexibility and non-travel bonus categories based on your business’ spending.

Card Rewards rate Annual fee Welcome bonus
Capital One Spark Miles for Business
  • Unlimited 2X miles on every purchase (no blackout dates, seat restrictions or minimum to redeem)
$95, waived the first year 50,000 miles after spending $4,500 within the first three months.
American Express® Business Gold Card
  • 4X Membership Rewards points on the two categories the business spends the most in U.S. purchases on each billing cycle (up to $150,000 in combined purchases from the two categories, then 1X points): select media advertising in the U.S. (online, TV, radio), direct technology provider products (computer hardware, software and cloud solutions), U.S. gas stations, U.S. restaurants, U.S. shipping
  • 1X Membership Rewards points on all other purchases
$295 70,000 points after spending $10,000 on eligible purchases within the first three months of Card Membership (terms apply)
Ink Business Preferred® Credit Card
  • 3X Ultimate Rewards points on the first $150,000 spent each account anniversary year (then 1X points) on travel, shipping, internet, cable and phone services and advertising for social media and search engines
  • 1X Ultimate Rewards points on all other purchases
$95 100,000 Ultimate Rewards points after spending $15,000 within first three months.

Best cards to pair with the Amex Delta Platinum Business card

American Express business cards are likely the best partners, thanks to a special partnership between the issuer and Delta Air Lines. In fact, Amex Membership Rewards points can be transferred to Delta SkyMiles at a 1:1 ratio, and you can find special deals on Delta flights through the American Express travel portal.

The American Express® Business Gold Card provides great bonus category coverage for business expenses outside travel (like eligible U.S. gas station, U.S. shipping and U.S. tech purchases), as well as airfare through the Amex travel portal if you need to fly outside the SkyTeam alliance partners.

Flat-rate business travel rewards cards or other non-American Express cards could also be a great match to earn miles on your non-travel business expenses. Issuers like Chase and Capital One are known for their versatile rewards.

For example, the Ink Business Preferred® Credit Card provides fantastic support if you need a larger pool of categories to draw from at once.

Bankrate’s Take—Is the Amex Delta Platinum Business card worth it?

The Delta SkyMiles Platinum Business American Express Card offers the best value to dedicated Delta flyers, especially businesses that can make the most of the hotel purchase rewards and the myriad travel benefits. Although you might pause at the $250 annual fee, just spending $579 per month on Delta and hotel purchases across all employee cards will net you enough bonus miles to cover the annual fee.

If your business operations don’t lean on Delta airline benefits, other business travel cards—even other American Express cards—may provide more flexible rewards and bonus categories.


  • The welcome bonus, Status Boost and MQD waiver give you a head start toward Medallion Status
  • An impressive array of travel features and discounts as the middle-ground SkyMiles card
  • Purchases over $5,000 earn 1.5X miles


  • $250 annual fee
  • The rewards aren’t very useful outside airfare
  • Miles must be redeemed in intervals of 5,000, and mile values vary across Delta flights since there is no award chart