You can compare a maximum of 6 cards.

Platinum Delta SkyMiles® Business Credit Card

  • Regular Purchase APR 17.24% to 26.24% variable based on your creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $195
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • ◉  2X miles per dollar spent on purchases made directly with Delta
  • ◉   1X miles on every eligible dollar spent on all other purchases
  • ◉   Round-trip companion airfare upon renewing card
  • ◉   Main Cabin 1 Priority Boarding
  • ◉   First checked bag free
  • ◉   20% in-flight savings on Delta in the form of a statement credit
  • ◉   No foreign transaction fees
Rates & Fees
  •  Regular Purchase APR: 17.24% to 26.24% variable based on your creditworthiness and the Prime Rate
  •  Cash Advance APR: 26.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  •  Penalty APR: 29.99% variable based on the Prime Rate
  •  Annual Fee: $195
  • Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: $39
  •  Credit Needed: Excellent , Good


At a Glance

Companies with employees that frequently fly Delta for business may want to consider the benefits available to them when using the Platinum Delta SkyMiles® Business Credit Card from American Express. Cardholders can earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after spending $1000 in purchases in the first 3 months, as well as a $100 statement credit after making a Delta purchase (also within the first 3 months) among other benefits.

The Gist

With the Platinum Delta SkyMiles® Business Credit Card from American Express in your wallet, you can earn 2 miles per dollar spent on direct Delta purchases and 1 mile on all eligible dollars spent elsewhere. There’s no limit to how many miles you can earn, nor do they expire. Delta SkyMiles can be redeemed toward flights, seat upgrades, gift cards and more, while MQMs can be redeemed for membership tier upgrades (learn more about the difference between Delta SkyMiles and Medallion® Qualification Miles). The annual fee is slightly higher than average at $195 and puts this out of range for new and small businesses.

The biggest draw of the Platinum Delta SkyMiles® Business Card is its signup bonus of 35,000 bonus miles and 5,000 MQMs for spending $1,000 in purchases within the first 3 months. The regular earning potential of the Platinum Delta SkyMiles® Business leaves much to be desired and even purchases made directly with Delta provide an unimpressive return of only 2 Delta miles per dollar. Unless travel is a major component of your business, it will be hard for a casual flier to ever earn as many points as they’ll receive from the initial bonus.

Delta’s Annual Miles Boost® can help compensate for the lackluster point earnings – but isn’t easily achievable because of its high minimum spend amount. The Annual Miles Boost gives cardholders the opportunity to earn an additional 20,000 miles and MQMs per calendar year. To receive 10,000 miles and MQMs, card spend must reach $25,000; the other 10,000 award of miles and MQMs is earned after spending $50,000 – and both must be done within one calendar year. This might be worthwhile for businesses that easily spend $50,000 in business expenditures, but a business with less overhead will find much more value using a different type of business rewards card.

For companies that do travel on a regular basis, the Platinum Delta SkyMiles® Business Credit Card has attractive features that make air travel more enjoyable: discounted Delta Sky Club® access ($29 per visit, but otherwise requires an annual subscription starting at $495), a free checked bag ($30 value), priority boarding ($15), and a 20% discount on in-flight purchases. The card also offers one companion certificate each year (upon renewal), which offers Domestic Main Cabin round-trip travel for a guest (one-time use).

Overall, the Platinum Delta SkyMiles® Business credit card will not suit the majority of businesses and isn’t strong enough to serve as a primary business card. The high annual fee makes this card unobtainable to smaller businesses and even for those that can afford it, the below-average earning potential of 2X for Delta purchases isn’t very enticing. The main value of this card lies with the membership perks, the one-time signup bonus, and the annual Miles Boost – if you can afford the high minimum spends to achieve it – and would be a valuable supplementary credit card to add to your wallet’s roster.  However, the majority of business owners will find more value in a general business rewards card and should look for ones that have a diverse range of reward categories, higher returns, and flexible reward redemption options.

Apply for This Card if You:

  • Will spend $3,000 within the first 3 months of card ownership to take advantage of the signup bonus
  • Want airport conveniences such as priority boarding, free checked bags, and a companion pass
  • Have business expenses that easily exceed $50,000
  • Want to enjoy lounge access without purchasing a pricey annual pass


Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: January 2, 2020 8:19 am

Cardholder Reviews

Would you like to post a review about this card?
Register online. It's quick and easy!

Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.