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A worthy business card contender: Review of the Delta SkyMiles Platinum Business card

April 06, 2022
12 min read
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Editor’s note: This post has been updated with the latest credit card information and benefits.


Delta SkyMiles® Platinum Business American Express Card Overview

The Delta SkyMiles® Platinum Business American Express Card is a worthy card contender for frequent flyers of Delta. While its bonus categories of three miles per dollar are valid only for hotels and Delta purchases, this card offers a suite of perks that make it worth its $250 annual fee (see rates and fees). These benefits include free checked bags, priority boarding and an annual companion certificate. Card Rating*: ⭐⭐⭐½

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Delta Air Lines offers small business customers a choice of three American Express-branded business credit cards — the Delta SkyMiles® Gold Business American Express Card, the Delta SkyMiles® Reserve Business American Express Card and the Delta SkyMiles® Platinum Business American Express Card.

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Related: 5 ways you might be eligible for a business credit card without realizing it

The middle card in the pack — the Platinum Delta business version — comes with a $250 annual fee (see rates and fees), but it can help you earn Medallion Qualification Miles (MQMs) toward elite status alongside perks that offer a better passenger experience.

The Delta Platinum business is currently offering a limited time offer of 85,000 bonus miles after spending $4,000 in purchases on your new card in your first three months of card membership. Offer ends 11/9/22.

But is it the right card for you? Let’s take an in-depth look at how its features stack up.

Who is this card for?

This is the card to have if you’re a loyal or semi-loyal Delta flyer who wants a generous welcome offer, the chance to earn MQMs that help with elite status on Delta and solid perks — all at a lower price than the Delta SkyMiles Reserve Business card, which has a $550 annual fee (see rates and fees).

And you don’t need to own a Fortune 500 company to get one. Having an Etsy store or another side hustle can be enough to apply for this card.

Related: Who qualifies for a business credit card?

A Delta jet stocks up in Atlanta. (Photo by Darren Murph/The Points Guy)

Welcome offer

The Delta SkyMiles Platinum Business card allows new cardmembers to earn 85,000 bonus miles after spending $4,000 in purchases on your new card in your first three months of card membership. Offer ends 11/9/22.

The latest TPG valuations peg Delta SkyMiles at 1.41 cents per mile, making this welcome offer worth up to $1,198.50 by those calculations.

Earning rates

With the Delta Platinum Business card, you'll earn 3 miles per dollar spent directly with hotels and on eligible Delta purchases, including reservations, Delta Vacation packages, seat upgrades and selection, Delta Sky Club membership or passes, pre-purchased and inflight meals, inflight alcoholic beverages and audio headsets (but not Wi-Fi).

First-class seats on a Delta Airbus A220 (Photo by Darren Murph/The Points Guy)

The higher miles per dollar spent don’t include popular business spending categories such as internet, shipping and office supplies.

However, you can give employees their own cards, allowing you to earn miles on their spending for your business.

In addition, you’ll also receive 1.5 miles per dollar for purchases over $5,000 (up to 50,000 additional miles per calendar year). This can be nice if your business frequently makes large purchases, but it's still not the best return on these purchases.

This card is also handy for earning Delta elite status, as you’ll earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to two times per year.

Finally, the card also features no foreign transaction fees (see rates and fees), making it a great option when traveling outside of the U.S.

Related: The best business credit cards with no foreign transaction fees

Redeeming

Your best option is almost always to redeem SkyMiles for air travel. Not only can you use your miles on Delta, but they’re also good on Delta’s other SkyTeam airline partners, along with non-alliance carriers including Virgin Atlantic and WestJet.

It does take extra work to find bargain redemptions on Delta, since it doesn't publish award charts (and regularly adjusts prices on many routes), but they’re out there. Check out Delta’s SkyMiles Deals page for deep discounts on round-trip tickets in economy and Delta One between specific city pairs.

Redemptions for seat upgrades are also an option, but there’s no award chart, so you won’t know how many miles it will cost until you book your ticket. (It’s typically not a good value.)

You can also use your miles for upgrades on flights operated by partners Air France, KLM, Virgin Atlantic and Aeromexico, but know that you’re not getting the best value for them. Choose this option only if you really need an upgrade for a longer flight — such as Atlanta (ATL) to Johannesburg (JNB) via Europe on Air France or KLM — and want to save your cash.

Related: How to maximize your Delta SkyMiles redemptions

Use your miles to upgrade to a Delta One Suites seat. (Photo by Ethan Steinberg/The Points Guy)

Since the Delta SkyMiles Platinum Business Card doesn’t come with a Delta Sky Club airport lounge membership, you could also redeem SkyMiles for one, though frankly, it’s a terrible value.

However, the card does allow you to buy your way into the Sky Club for $39 per person when traveling on a same-day Delta or Delta partner flight. You can also bring up to two guests or immediate family (spouse or domestic partner and children under 21 years of age) for $39 per person, per location.

Other redemption options include online shopping, gift cards, magazines and unique SkyMiles Experiences. You can also transfer or gift your miles or donate them to charity. But again, redeeming your miles on Delta and partner flights will typically offer you the best value.

Perks

Even without free lounge access, the Platinum Delta Business Amex has a number of features that make it a worthwhile look for regular Delta business flyers:

  • Companion certificate: Take someone along on your next round-trip on Delta using this certificate, good for a domestic main cabin round-trip flight every year you renew the card. Note this is valid on eligible paid fares and not valid on all flights. Additionally, you’ll need to pay up to $75 in government-imposed taxes and fees on the certificate — depending on your destination.
  • Earn elite status miles: Earn 10,000 MQMs after you spend $25,000 in purchases on your card in a calendar year, up to two times per year.
  • Medallion Qualification Dollar (MQD) waiver: When you spend at least $25,000 on the card in a calendar year, you'll waive the MQD requirements for earning Silver, Gold and Platinum Medallion (you'll still need to complete the required flying, either with MQMs or segments). Note that to earn a Diamond Medallion MQD waiver, you'll need to spend $250,000.
  • Free checked bag: You and up to nine travelers on the same reservation will get their first checked bag free when flying Delta. At a regular price of $30 a bag in each direction, even if you’re traveling alone, that saves you a minimum of $60 on every round-trip where you would've checked a bag.
  • Priority boarding: Enjoy Main Cabin 1 boarding on Delta flights for you and up to nine travelers on the same reservation.
  • Inflight discount: Receive a 20% statement credit on purchases, including pre-purchased meals, and inflight purchases of food, alcoholic beverages and audio headsets, when using the card. The one major inflight expense not included in this discount is Wi-Fi.
  • Sky Club and lounge access: Pay $39 each for a single-day pass for you and up to two guests to more than 50 Sky Clubs and more than 250 partner and airport lounges worldwide when you are on same-day Delta flights.
  • Global Entry/TSA PreCheck credit: You get a Global Entry or TSA PreCheck fee credit (every 4 years for Global Entry, every 4.5 years for TSA PreCheck) — which can save you up to $100.

Which cards compete with the Platinum Delta Business Amex?

(Photo by The Points Guy)

The comparison isn’t quite apples to apples, but the closest competitor to this card is actually the Delta SkyMiles® Gold Business American Express Card. It comes with some of the same perks as the Delta SkyMiles® Platinum Business American Express Card but with a $0 introductory annual fee for the first year, then $99 (see rates and fees).

What you’re losing with the Gold card is the companion pass, a way to earn MQMs toward elite Delta status and a path to discounted Sky Club passes. The current welcome offer is also smaller, as new Gold cardholders will earn 70,000 Bonus Miles after spending $3,000 in purchases on your new card in your first three months of card membership. Offer ends 11/9/22.

If you're looking for more flexible rewards, another possible option is the American Express® Business Gold Card. While this won't get you any Delta-related perks, it does provide a more rewarding earning rate. Each billing cycle, you'll earn 4 Membership Rewards points per dollar spent on your top two categories from this list (and 1 point per dollar on the remaining four categories):

  • Airfare purchased directly from airlines.
  • U.S. purchases for advertising in select media (online, TV, radio).
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions.
  • U.S. purchases at gas stations.
  • U.S. purchases at restaurants, including takeout and delivery.
  • U.S. purchases for shipping.

This enhanced earning rate applies to the first $150,000 in combined spending each calendar year.

In addition, you can transfer your Amex points directly to Delta SkyMiles at a 1:1 ratio — but you have the ability to utilize them for other valuable redemptions. As a result, some small businesses opt for the increased earning power and flexibility offered by the Amex Business Gold card, all for a comparable annual fee of $295 (see rates and fees).

Related: No fuss with high earning potential: American Express Business Gold Card

Bottom line

The Delta SkyMiles® Platinum Business American Express Card is a solid choice if you’re loyal to the Atlanta-based carrier and like having perks exclusive to the airline. Its $250 annual fee can be worth it if you take advantage of earning bonus MQMs that move you toward elite Medallion status and can also utilize the yearly companion certificate.

However, if you already have Delta Medallion elite status or you don’t care about the companion pass but still want many of the same card perks, then the Delta SkyMiles® Gold Business American Express Card is a great alternative at less than half the price (with the $0 introductory annual fee for the first year, then $99).

Official application link for the Delta SkyMiles® Platinum Business American Express Card

Feature photo by Zach Griff/The Points Guy.

Additional reporting by Ed Pizzarello and Christina Ly.

For rates and fees of the Delta SkyMiles Platinum Business Card, please click here.

For rates and fees of the Delta SkyMiles Gold Business Card, please click here.

For rates and fees of the Delta SkyMiles Reserve Business Card, please click here.
For rates and fees of the Amex Business Gold Card, please click here.

Featured image by (Photo by Zach Griff/The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

TPG featured card

Best for elite delta flyers
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards

1 - 2X points
3XEarn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
1.5XEarn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year.
1X 1 Mile on every eligible dollar spent on other purchases.

Intro offer

85,000 miles
Limited Time Offer: Earn 85,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.

Annual Fee

$250

Recommended Credit

670-850
Good, Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Delta SkyMiles Platinum Business American Express card is a solid mid-tier Delta card. The higher annual fee is offset by added benefits such as an annual companion certificate and the opportunity to earn Medallion® Qualification Miles toward elite status through spending.

Pros

  • Earns 3 miles per dollar on eligible purchases made directly with Delta and from hotels
  • 1.5x miles per dollar on single eligible purchases of $5,000 or more up to 50,000 bonus miles per calendar year
  • First checked bag free on Delta flights for the cardholder and up to 8 companions on the same reservation
  • Main Cabin 1 Priority Boarding
  • Achieve elite status faster by earning 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year

Cons

  • $250 annual fee
  • Limited Time Offer: Earn 85,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.
  • You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
  • Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
  • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.
  • Terms and limitations apply.
  • See Rates & Fees
Apply for Delta SkyMiles® Platinum Business American Express Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

3XEarn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
1.5XEarn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year.
1X 1 Mile on every eligible dollar spent on other purchases.
  • Intro Offer
    Limited Time Offer: Earn 85,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.

    85,000 miles
  • Annual Fee

    $250
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Good, Excellent

Why We Chose It

The Delta SkyMiles Platinum Business American Express card is a solid mid-tier Delta card. The higher annual fee is offset by added benefits such as an annual companion certificate and the opportunity to earn Medallion® Qualification Miles toward elite status through spending.

Pros

  • Earns 3 miles per dollar on eligible purchases made directly with Delta and from hotels
  • 1.5x miles per dollar on single eligible purchases of $5,000 or more up to 50,000 bonus miles per calendar year
  • First checked bag free on Delta flights for the cardholder and up to 8 companions on the same reservation
  • Main Cabin 1 Priority Boarding
  • Achieve elite status faster by earning 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year

Cons

  • $250 annual fee
  • Limited Time Offer: Earn 85,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.
  • You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
  • Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
  • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.
  • Terms and limitations apply.
  • See Rates & Fees