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 the opportunity to earn an MQD waiver, up to 20,000 MQMs per year, and 1.5x bonus miles on large purchases over $5,000 (up to 50,000 SkyMiles annually).
Min. Credit Score for Approval:
670-739 * GoodOngoing APR:
20.99%-29.99% VariableForeign Transaction Fee:
0%Cardholders will also earn 3x bonus miles per eligible dollar spent at Delta Air Lines and 1x miles on all other eligible purchases. You can redeem your SkyMiles at a 15% discount for Delta flights, and other benefits like a Global Entry/TSA PreCheck statement credit and free checked bags make the $250 annual cost worthwhile.
Reward multipliers
You’ll earn 3x bonus miles per dollar spent on eligible Delta purchases, 1.5x miles on large purchases of $5,000 or more (up to 50,000 additional miles per calendar year), and 1x miles on all other eligible purchases.
Earns bonus points for spend in the following bonus categories:
Key features
Unique Card Benefits
MQD Waiver / Status Boost
Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
Annual Companion Certificate
Receive an annual companion certificate that’s good for a domestic Main Cabin round-trip Delta flight. You’ll just need to pay for government imposed taxes and fees that will be no more than $80.
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 Main Cabin 1.
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.
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.
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 $250 annual fee
- Get a Global Entry/TSA PreCheck fee credit once every 4-4.5 years
- $250 annual fee
- Delta Sky Club access no longer a benefit of the card
- Only the higher accelerator (1.5x miles) applies to large purchases of $5,000 or more
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 all single eligible purchases that cost $5,000 or more can earn an extra half mile at a solid 1.5x mile earning rate. Combined with 3x bonus miles on eligible Delta purchases and 1x miles on non-bonus purchases, the Delta Platinum Business card’s earning rate is solid for businesses who want to reap the rewards on their high operating expenses.
The $250 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 domestic round-trip 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.
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 $550 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 $250 fee on the Amex Delta Business Platinum card.
Does Delta SkyMiles® Platinum Business American Express Card get you into airport lounges?
You can visit the Delta Sky Club for a $50 per-visit rate.
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 Miles (MQMs) or the MQD waiver 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 miles per dollar spent on eligible Delta Air Lines purchases; 1.5x miles on purchases over $5,000 (up to the first 50,000 miles earned per year); and 1x miles 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 $550 annual fee (see rates & fees) offers a Delta Sky Club membership and a round-trip domestic 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. First, you can receive an MQD waiver by spending $25,000+ on the card (up to Platinum status). Additionally, you can receive up to 20,000 MQMs by meeting eligible card spend, with 10,000 MQMs awarded for $25,000 in spend, up to twice in a calendar year.
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.
