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VS

Compare the Features and Benefits of Delta SkyMiles® Platinum Business American Express Card and
Citi® Double Cash Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
No Fees for Authorized Users
Free Access to Credit Score
Free Checked Bags
Annual Statement Credits
Priority Boarding
Grants Car Rental Status
Secondary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Extended Warranty
Purchase Protection
Trip Protections
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
No Foreign Transaction Fees
Amex Offers
Metal Card
0% Intro APR on Balance Transfers
Concierge Services
Annual Fee
$350 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on balance transfers
-
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3x Hotels
1.5x Transit

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5x Single Charges over $5,000

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5x Shipping

U.S. shipping only (Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

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

Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.1) 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 Delta SkyMiles Platinum Business Card offers a slew of perks that will appeal to several types of business owners. Whether you’re looking to join the early ranks of Silver or Gold Medallion status, or want to climb further toward Platinum or Diamond, this business card provides excellent incentives for higher spend, helping you earn your way towards higher status levels.

delta credit card

Not only that, but you will earn 3x bonus miles per dollar spent on eligible Delta purchases, 1.5x miles on transit, U.S. shipping, and large purchases of $5,000 or more (up to an aggregate limit of $100,000 per year; earn 1X thereafter) plus 1x miles per dollar on all other eligible purchases.

In short, the Delta Platinum Business card’s earning rate is solid for businesses who want to reap the rewards on their high operating expenses.

The $350 annual fee can be hard to swallow, but several notable perks can help you save money when you’re flying with Delta.

First, you and up to eight passengers can get a checked bag free on all Delta flights and join Main Cabin 1 Priority Boarding. You’ll also receive up to a $100 credit toward your Global Entry/TSA PreCheck application or renewal (Terms apply).

And upon paying your annual fee every account anniversary, you’ll receive an annual companion certificate that’s valid for Main Cabin domestic, Caribbean, or Central American roundtrip flights on Delta. If used wisely, you can easily score hundreds of dollars in value from this recurring benefit.

Other smaller, but just as impactful, benefits include no foreign transaction fees, a 15% discount when redeeming SkyMiles for flights on Delta, as well as a solid range of travel and purchase protection benefits, including cell phone insurance.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns 1 MQD (Medallion Qualifying Dollars) for every $20 spent on eligible purchases with your Card plus $2,500 MQDs each year – just for holding the card!

There are also up to $440 worth of statement credits available on this card.

You can get an 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.

You’ll also be eligible for up to $120 in Resy Credit (earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card) and you can 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.

cell-phone-insurance Delta SkyMiles Platinum Business Card

Note that you cannot enter the Delta Sky Clubs with the Delta Platinum Amex Business card. If you anticipate needing airport lounge access,  you may want to consider the Delta SkyMiles® Business Reserve Card, which comes with a much higher $650 annual fee. However, you’ll get access to Delta Sky Clubs when you fly Delta that same day with the Delta SkyMiles® Business Reserve Card. (Limitations apply.)

Overall, the Delta Platinum Amex Business Card is a phenomenal option for business owners who want to maximize their earning potential on Delta purchases, enjoy flight perks, and work towards elite status on Delta.

Rates and Fees for the Delta SkyMiles® Platinum Business American Express Card

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Free Checked Bags
yes
Annual Statement Credits
yes
Priority Boarding
yes
Grants Car Rental Status
yes
Secondary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Foreign Transaction Fees
yes
Amex Offers
yes
Metal Card
yes
0% Intro APR on Balance Transfers
no
Concierge Services
no
Annual Fee
$0
Avg. Min. Credit Score
580-850 *
APR on balance transfers
0% Intro APR (on balance transfers for 18 months, 19.24%-29.24% thereafter)
Ongoing APR
19.24%-29.24% (Variable)
Balance transfers fees
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Best Multiplier
2x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.016
Bonus Offer
There is no bonus offer at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) 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 Citi Double Cash® Card isn’t a card loaded with features and benefits.

But it has one killer feature that makes the card a must-have for nearly everyone and that’s the simple fact that it earns 2% cash back on all of your everyday purchases. Technically, you earn 1% when you spend and 1% when you pay, but semantics aside, you’re earning 2% cash back on absolutely all eligible purchases.

everyday-purchases-citi-double-cash

And before we forget, it also comes with a pretty amazing intro offer for balance transfers, as outlined in the Key Facts at the top of the page.

You don’t have to think about bonus categories with this credit card. The answer to “what will I earn here” is always 2%.

Just one caveat: the Double Cash does not come with many expected benefits, like extended warranty or purchase protection. For those reasons, you may want to use another card for high value merchandise purchases.

That said, why is it a must have credit card for nearly everyone? Three reasons:

1) There is no consumer credit card issued by a major bank that earns a higher % of cash back with no annual fee. None.

2) You can use this as your one credit card if you are completely averse to using multiple credit cards (although you’ll need to be aware of the foreign transaction fees charged if you travel internationally). But even better is to use this as your “default” card. What I mean by that is you may have a card that earns 4X on dining and groceries and another that earns 3% on drugstores, but that’s it. What about an insurance payment? What about daycare?

On most other credit cards, if you aren’t spending in a bonus category, you only earn 1X or 1% back. For example, the Citi Premier Card pays 3X in certain categories (Air/Hotel, Gas, Restaurants and Supermarkets) and 1X in everything else. So you can “Double Up” by having both cards.

The Citi Double Cash card earns 2X Thank You® points on everything. If your purchase is in a Citi Premier card bonus category, go ahead and make the purchase with your Citi Premier card. If it’s in any other category, make the purchase with your Double Cash card. That way, you’ll get one percent when you make the purchase and another percent when you pay it. With a Double Cash card in your pocket, you can always take it out when you have no bonus category available, ensuring that you never, ever earn less than 2% back on any purchases.

3) While you’ll earn cash back rewards with this card, it earns it as ThankYou® points. If you only have the Double Cash alone, that keeps things simple. It’s cash! You can cash out as a statement credit, via direct deposit to your bank account, or by check.

Pair with a Citi Premier® card – a great credit card strategy

In that case, once again, you simply pair this card with a Citi Premier credit card. That would allow you to pool all of your ThankYou® points together and, because of the Premier, you’ll unlock access to all of the transfer options listed below, the best kind of credit card rewards:

Citi ThankYou Transfer PartnersTransfer RatioApproximate Transfer Time *
AeroMexico1:1Generally instant
Air France Flying Blue1:1Instant
Avianca LifeMiles1:1Instant.
Cathay Pacific AsiaMiles1:1Instant
Etihad Guest1:1Instant
Emirates1:!Instant
Eva Air1:1~1-3 days
Jet Airways InterMiles1:1Instant
JetBlue TrueBlue1:1Instant
Malaysia Airlines Enrich1:1~1-7 days
Qantas1:1Instant to 1 day
Qatar Privilege Club1:1~2 days
Singapore Airlines1:1~1-2 days
Thai Orchid Plus1:1~3-7 days
Turkish Airlines Miles&Smiles1:11-2 days
Virgin Atlantic1:1Instant to 2 days
Hotels
Choice Hotels1:2 (Citi Prestige / Premier / Chairman cards)

1:1.5 (No fee Citi ThankYou cards)
Instant
Wyndham Rewards1:1 (Citi Prestige / Premier / Chairman cards)

1:0.8 (No fee Citi ThankYou cards)
TBD
Accor Live Limitless1:0.5TBD

What are some of the ways you can use Citi ThankYou® points for outsized value with a Citi Premier?

We outline all of that on the Citi Premier card page, since that is the card that unlocks these features. Please take a look at the Citi Premier review for everything you need to know about using Citi ThankYou® points.

The Citi Trifecta: Add the Citi Premier and then a Citi Rewards+ Card for a 10% Points Rebate

You can make your Citi Premier and Citi Double Cash rewards combo even more rewarding if you add in a no-annual fee Citi Rewards+ card.

Each calendar year, Citi will rebate back 10% of the first 100,000 ThankYou® Points that you spend, so you can get back up to 10,000 points per year Best of all, it isn’t tied in any way to your spending on the card. Just having it in your profile and linked to the same ThankYou account will ensure that you get the rebate.

Citi Application Rules

Citi won’t approve more than 2 cards in a 60-day period, although we recommend 65 days, just to be safe. This means that if you decide to apply for the Double Cash and combo with a Citi Premier and Citi Rewards+ card, you’ll have to pick one to wait and apply for on Day 66. We’d recommend getting the Rewards+ last, since the benefits are when you redeem.

Bottom Line

The Citi Double Cash is quite simply a card that should be in 99% of wallets. The 2% cash back on everything (1% when you buy and 1% when you pay your bill), with no annual fee, is too good to pass up, even if you are using it in conjunction with other credit cards to maximize your bonus categories – as you should be!

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
Free Checked Bags
no
Annual Statement Credits
no
Priority Boarding
no
Grants Car Rental Status
no
Secondary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
No Foreign Transaction Fees
no
Amex Offers
no
Metal Card
no
0% Intro APR on Balance Transfers
yes
Concierge Services
yes

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