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

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

Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.

5x Hotels

Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) 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

In many ways, the American Express Platinum card is the crème de la crème of premium travel rewards credit cards. There are not only a laundry list of embedded perks — from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection — but this card also can provide serious value in the form of statement credits with partner merchants. You can see the full list of benefits above.

Truth be told, it may require some work to fully maximize the card’s many perks but it shouldn’t be difficult to recoup at least some, if not all, of the card’s $695 annual fee (Rates and Fees).

An overhaul of the Platinum in 2021 showed Amex wanted to expand this card well beyond travel. While it’s unlikely the Platinum will ever fully shed its decades-long roots in the travel sphere, Amex also hopes to play a role at the top of your wallet whether you are at home or away.

Of course, on the travel front, the card still earns 5X on airfare purchased directly with the airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year), 5X on prepaid hotels, provides the most access to lounges of any card issuer, and has built-in travel protections and elite-status perks. This is on top of all the other relatively-recent lifestyle benefit additions — from Uber credits, Equinox credits, preferred restaurant reservations with Resy, and much, much more.

airfare-the-platinum-card-from-american-express

 

A few notes you need to know:

Amex now has language restricting you from getting the bonus on this Card if you have or have had this card OR have had this Card, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards.

Additional Platinum cards are $195 each.

If you want an Authorized User card with none of the benefits, that is still available as the “Companion Platinum Card.” They will simply be able to make charges that post to your account.

Bottom Line:

While the Platinum is a solid choice for most cardholders looking to level up their travel experience, consider other options from both Chase and Capital One including the $550-per-year Chase Sapphire Reserve and $395-per-year Capital One Venture X credit card.

Rates and Fees for the The Platinum Card® from American Express

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Grants Car Rental Status
yes
Global Entry / TSA PreCheck Reimbursement
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Cell Phone Protection
yes
Metal Card
yes
Airport Lounge Access
yes
Grants Hotel Status
yes
Earns Transferable Points
yes
Return Protection
yes
Has No Preset Spending Limit
yes
Concierge Services
yes
Free Checked Bags
no
Priority Boarding
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
No Foreign Transaction Fees
no
Amex Offers
no
Free Access to Credit Score
no
Annual Fee
$350 (Rates and fees)
Avg. Min. Credit Score
670-850 *
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
Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. 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 first checked bag free on Delta Flights + Zone 5 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
Annual Statement Credits
yes
Grants Car Rental Status
yes
Global Entry / TSA PreCheck Reimbursement
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Cell Phone Protection
yes
Metal Card
yes
Airport Lounge Access
no
Grants Hotel Status
no
Earns Transferable Points
no
Return Protection
no
Has No Preset Spending Limit
no
Concierge Services
no
Free Checked Bags
yes
Priority Boarding
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Amex Offers
yes
Free Access to Credit Score
yes

Learn more about these cards today

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