Key facts
Anticipate heavy business expenses and want to earn Delta Medallion elite status faster? The Delta SkyMiles® Platinum Business American Express Card offers unprecedented benefits for Delta flyers, such as $2,500 MQDs each year, just for having the card, and the ability to earn 1 MQD for every $20 spent on the card.
Min. Credit Score for Approval:
Good *Ongoing APR:
20.49%-29.49% VariableForeign Transaction Fee:
0%You can redeem your SkyMiles with a 15% discount for Delta flights, use the annual 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, use up to $240 worth of Resy and rideshare credits, and take advantage pf other benefits like a Global Entry/TSA PreCheck statement credit and free checked bags to make the $350 annual cost worthwhile.
Reward multipliers
You’ll 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.
Earns bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
Estimated Rewards Value: 3.6%
Estimated Rewards Value: 3.6%
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
Estimated Rewards Value: 1.8%
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
Estimated Rewards Value: 1.8%
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)
Estimated Rewards Value: 1.8%
Estimated Rewards Value: 1.2%
Key features
Unique Card Benefits
Earn MQDs towards Medallion® status.
Earn $1 MQD per $20 of eligible spend on your Card.
MQD Headstart
Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year just for having the Card.
Annual Companion Certificate
Enjoy a Main Cabin Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card.
The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
Complimentary Upgrade List
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
Save 15% on Award Flight Redemptions with TakeOff15
Cardholders automatically get a 15% discount when redeeming your SkyMiles for Delta flights.
20% back on In-Flight Purchases
You’ll get a 20% discount for onboard purchases on Delta flights, whether you’re buying additional food, drinks or wifi.
Free Checked Bags
You and up to eight companions on your travel reservation can bring a first checked bag free when flying Delta, saving $30 per person, per flight!
Priority Boarding
You and up to eight travelers on the same reservation can board ahead of the pack with Zone 5 Priority Boarding.
Annual Statement Credits
Up to $120 Resy Credit
Earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Up to $120 Rideshare credit
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.
$200 Annual Delta Stays Credit
Elevate your travel experience with an annual 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.
Grants Car Rental Status
Receive Hertz Five Star® Status, with your Delta SkyMiles® Platinum American Express Card. Enrollment in the Hertz Gold Plus Rewards program is required.
To receive the benefit, you must add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card, register at delta.com/mypromos/eligible, and “Enroll in Promotion” at delta.com/hertz. Terms apply.
Secondary Car Rental CDW Waiver
You’ll receive secondary car rental loss and damage insurance when renting a car for business purposes, with coverage applying after any primary insurance you may already have.
Terms:
Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
· Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
· Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Global Entry / TSA PreCheck Reimbursement
You’ll receive one statement credit toward your Global Entry or TSA PreCheck trusted traveler program application every 4 or 4.5 years respectively.
Cell Phone Protection
When you pay your cell phone bill with your Delta Platinum Amex Card, you’ll receive cell phone protection that can provide reimbursement for damaged or stolen phones.
Terms:
Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Extended Warranty
Certain items you purchase that come with an original manufacturer’s warranty (maximum of five years) are eligible for up to an additional year of coverage by American Express.
Terms:
When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.
· Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
· Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company.
Purchase Protection
Your item qualifies for purchase protection, providing reimbursement for stolen or damaged items, during the first 90 days after purchase.
Terms:
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
· Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
· Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company.
Trip Protections
If you pay for your trip with this business card, you may receive trip delay coverage and baggage insurance that can provide reimbursement if you experience a flight delay greater than 12 hours or your bag is lost, stolen or damaged.
Terms:
Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
· Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
· Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company.
Travel and Emergency Assistance Services
Global Assist Hotline provides travel and emergency referral services 24/7 if you’re traveling more than 100 miles away from home. Any services rendered will be the primary cardholder’s financial responsibility.
Terms:
You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.
· Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
· Please visit americanexpress.com/benefitsguide for more details.
Card Members are responsible for the costs charged by third-party service providers.
Does Not Report Credit Line to Personal Credit Profile
While there will of course be an initial hard inquiry on your personal credit when applying for a business card, it won’t report the card or your utilization ratio to your personal credit file as long as you remain in good standing.
No Fees for Authorized Users
If you’d like to add authorized users to the card, there’s no fee to add multiple employee cards.
No Foreign Transaction Fees
There are no foreign transaction fees when using your card to pay in a different currency.
Amex Offers
As an American Express cardholder, you’ll get access to 100 Amex Offers at a time, providing valuable, limited-time discounts at various merchants.
Metal Card
The Delta Platinum Business American Express Card is a silver heavyweight metal card, clocking in at 15 grams.
Free Access to Credit Score
Available when you opt-in to their free “MyCredit Guide.” Find this on the Amex website under My Account >> Free Credit Tools and Support.
Earn more rewards by combining credit cards
Pros & cons
- Earn Medallion status faster
- Receive an annual companion certificate that can be worth way more than the $350 annual fee
- Get a Global Entry/TSA PreCheck fee credit once every 4-4.5 years
- $350 annual fee
- Delta Sky Club access no longer a benefit of the card
- Earns less MQDs per dollar than the higher level Delta Business Reserve card
Our 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.
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.
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
Frequently asked questions
Does Delta SkyMiles® Platinum Business American Express Card have an annual fee?
There’s a $350 fee on the Amex Delta Business Platinum card.
Does Delta SkyMiles® Platinum Business American Express Card get you into airport lounges?
Not anymore. It used to until 2023. Now you’ll need a Reserve level card.
Is it hard to get the Delta SkyMiles® Platinum Business American Express Card?
To get approved for this business card, you’ll likely need an excellent credit score and sufficient income history to qualify.
Is it worth getting Delta SkyMiles® Platinum Business American Express Card?
The Delta SkyMiles® Platinum Business American Express Card is a terrific business card for business owners who want to earn Medallion Qualification Dollars (MQDs) from spend and get lucrative perks like an annual companion certificate.
How do I earn miles with the Delta SkyMiles® Platinum Business American Express Card?
You’ll 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.
Is there a better credit card than the Delta SkyMiles® Platinum Business American Express Card?
The Delta SkyMiles® Reserve Business American Express Card comes with a $650 annual fee (see rates & fees) offers a Delta Sky Club access (limits on visits apply) and a round-trip domestic / Caribbean / Central America companion certificate that is eligible for Delta’s First and Business class cabins.
Does the Delta SkyMiles® Platinum Business American Express Card charge foreign transaction fees?
No, there are no foreign transaction fees on the card.
Does the Delta SkyMiles® Platinum Business American Express Card have car rental CDW coverage?
Yes, the card offers secondary car rental CDW coverage when renting for business purposes and when you reserve and pay for the rental on your card. Remember that secondary coverage means any personal car insurance you may have for your own vehicles is primary. It also does not include any liability insurance.
Does the the Delta SkyMiles® Platinum Business American Express Card come with any Elite Status?
The Delta SkyMiles Platinum Business Amex Card gives cardholders two opportunities to earn Medallion status faster.
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.
Does the Delta SkyMiles® Platinum Business American Express Card offer extended warranty?
Yes, the extended warranty benefit can provide an additional year of coverage for items with an eligible manufacturer’s warranty of five years or less.
Does the Delta SkyMiles® Platinum Business American Express Card offer purchase protection?
Yes, certain items bought on the card within the first 90 days qualify for purchase protection against theft or damage.
Does the Delta SkyMiles® Platinum Business American Express Card offer trip protections?
This business card offers two important coverages when you’re traveling: trip delay insurance and baggage insurance plan. You can also contact the Global Assist Hotline for emergency referral services.
What credit score do I need to get a Delta SkyMiles® Platinum Business American Express Card?
It’s highly recommended that you carry a FICO credit score of at least 700.
What can I do with the miles earned for spending on the Delta SkyMiles® Platinum Business American Express Card?
You can save 15% off published award rates on Delta-operated flights, saving you a great deal of miles every year.
Does Delta SkyMiles® Platinum Business American Express Card have Cell Phone Protection?
Yes, the Delta SkyMiles Platinum Business American Express Card offers cell phone protection when you pay for your monthly bill with the card. The maximum reimbursement is $800, while each approved claim is subject to a $25 deductible.
How does the Delta SkyMiles® Platinum Business American Express Card compare to the Delta SkyMiles® Reserve Business American Express Card?
How does the Delta SkyMiles® Platinum Business American Express Card compare to the Delta SkyMiles® Platinum American Express Card?
Is the Delta SkyMiles® Platinum Business American Express Card a Metal Card?
The Delta Platinum Business American Express Card is a silver heavyweight metal card, clocking in at 15 grams.