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Compare the Features and Benefits of Delta SkyMiles® Blue American Express Card and
The Business Platinum Card® from American Express

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Amex Offers
Travel and Emergency Assistance Services
No Foreign Transaction Fees
No Fees for Authorized Users
Annual Statement Credits
Airport Lounge Access
Grants Car Rental Status
Grants Hotel Status
Earns Transferable Points
Global Entry / TSA PreCheck Reimbursement
Trip Protections
Cell Phone Protection
Return Protection
Does Not Report Credit Line to Personal Credit Profile
Concierge Services
Has No Preset Spending Limit
Metal Card
Free Access to Credit Score
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
2x Airfare

Only on Delta flights booked directly with Delta. Otherwise earn 1X

2x Dining Out / Food Delivery

At restaurants worldwide, including takeout and delivery services in the U.S.

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

While at first it may be tempting to want a Delta American Express card with no annual fee, there’s little reason to get this card over all of the other six Delta SkyMiles credit cards from American Express considering that it is the most basic Delta credit card.

While there is no annual fee, of the 7 cards linked above, this is the only one that does not have:

  • Priority Boarding
  • Free Checked Bag
  • A waiver on the MQD requirement to earn Delta Medallion Elite status when you spend $25,000 in a calendar year.
  • The TakeOff15 benefit, which offers a 15% discount on SkyMiles award travel on Delta marketed and operated flights

priority-bording-delta-skymiles-blue-american-express-card

Those are some HUGE benefits to give up. You’ll get TakeOff15, priority boarding and a free checked bag with the Delta SkyMiles® Gold American Express Card. The Delta SkyMiles® Platinum American Express Card adds the MQD waiver for $25,000 in spend (and comes with an annual companion certificate that allows you to fly a friend or family member for the cost of government-imposed taxes (roughly under $80) for round trip domestic flights.

And while 2X miles on restaurants worldwide sounds good on the Delta Blue SkyMiles card, consider that there are two Amex cards that earn Membership Rewards that earn more on dining: The American Express® Gold Card (4X) and the American Express® Green Card (3X). And American Express Membership Rewards points can transfer to Delta – but they can also transfer to a huge range of other airlines and hotels. Isn’t flexibility better? Why be tied to one mileage program, Delta, when you mind find a better mileage deal elsewhere? Remember, you can fly Delta exclusively and collect lots of SkyMiles that way, but it doesn’t mean that should be all you earn on your credit cards….

In my opinion, the best reason for having a Delta Blue is when you have one of the annual fee Delta cards is your oldest credit card and want to downgrade to a no annual fee card to keep your credit score intact.

But other than that, 99% of people would come out ahead paying the annual fee on one of the other six Delta SkyMiles credit cards from American Express and taking advantage of the benefits that come with them.

Rates and Fees for the Blue Delta SkyMiles® Credit Card from American Express

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Amex Offers
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Annual Statement Credits
no
Airport Lounge Access
no
Grants Car Rental Status
no
Grants Hotel Status
no
Earns Transferable Points
no
Global Entry / TSA PreCheck Reimbursement
no
Trip Protections
no
Cell Phone Protection
no
Return Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
Concierge Services
no
Has No Preset Spending Limit
no
Metal Card
no
Free Access to Credit Score
no
Annual Fee
$695 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.49%-27.49% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5x Hotels

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

1.5x Single Charges over $5,000
1.5x U.S. Electronic Goods Retailers / Software / Cloud System Providers
1.5x Shipping
1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer

120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Amex Business Platinum is the one of the most expensive travel rewards cards on the market today. However, while its annual fee might be a bit on the higher side, the perks that come along with it are second to none, both from the business perspective as well as the travel angle.

For small business owners that hit the road (or skies) regularly, there really isn’t another card quite like this one.

On the travel perks side of things, the Amex Business Platinum has a laundry list of embedded extras from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection. (See the key features and benefits above.)

However, this is a business card, after all, and where this card shines is in its statement credits. If you have business expenses that are with specific merchants, such as Indeed, Dell, and Adobe, the Business Platinum can tangibly help cut reduce costs. In addition, card holders get an extra half point per dollar (1.5X) on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, and purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. While a 1.5X bonus isn’t huge, it’s helpful that this spans a wide variety of business categories (and is capped at $2 million).

The Amex Business Platinum isn’t a card for everyone — that’s for sure. But for high-spending business owners who travel often (either for business or pleasure), this just might be the card for you.

Rates and fees for The Business Platinum Card® from American Express

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Amex Offers
yes
Travel and Emergency Assistance Services
no
No Foreign Transaction Fees
no
No Fees for Authorized Users
no
Annual Statement Credits
yes
Airport Lounge Access
yes
Grants Car Rental Status
yes
Grants Hotel Status
yes
Earns Transferable Points
yes
Global Entry / TSA PreCheck Reimbursement
yes
Trip Protections
yes
Cell Phone Protection
yes
Return Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Concierge Services
yes
Has No Preset Spending Limit
yes
Metal Card
yes
Free Access to Credit Score
yes

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