is an independent website that is supported by advertising. may be compensated by credit card issuers whose offers appear on the site. Because we are paid by our advertising partners it may impact placement of products on the site, including the order in which they appear. Not all available credit card issuers or card offers are included on the site.

Platinum Delta SkyMiles® Business Credit Card from American Express

T.L. Rob
Updated on: 01/03/2019
RE®: 91
Our Rating
Platinum Delta SkyMiles® Business Credit Card from American Express
Compare Airline Cards
For excellent/good credit
  • 98
    For Delta Air Lines Users
  • 87
    for Frequent Flyers
  • 87
    for Everyday use

"A free annual companion pass and the ability to earn elite qualifying miles makes this Delta business card a standout."

American Express offers a nice suite of credit cards aimed at travelers who fly with Delta. One of these cards is geared toward business owners, the Platinum Delta SkyMiles Business card. It offers all of the great benefits of the Delta SkyMiles personal card.

Highlights of this card include a nice welcome bonus that includes Medallion Qualification Miles and the ability to earn SkyMiles on every purchase. After your first year of card membership, you’ll also be eligible to earn a companion certificate that’s good for a free companion fare on any domestic round-trip coach ticket.

While Delta is regarded as one of the best domestic U.S. carriers in terms of quality and performance, its SkyMiles loyalty program is less valuable than it once was. We’ll examine this along with all the features and benefits of this Delta business card.

Bonuses & Benefits of Delta Amex Cards

Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Platinum Delta SkyMiles® Business Credit Card from American Express offers and the value of the AMEX SkyMiles® miles you earn.


To help pad your SkyMiles account balance, you can earn 35,000 bonus miles after spending $1,000 on your Delta business card within 3 months of being approved. Additionally, you’ll get a $100 statement credit if you make a purchase of any size with Delta within the same timeframe.

While there are no additional bonuses for adding authorized users, you can earn extra Medallion Qualification Miles (MQMs) and redeemable miles if you spend a good amount on the card. Each calendar year that you spend $25,000 on the card, you’ll earn an extra 10,000 miles and MQMs. Further, if you spend $50,000 on the card, you’ll earn an additional 10,000 miles and MQMs. That can really help you reach Medallion status quickly!

What You Get

  • Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • 2 miles on every dollar spent on purchases made directly with Delta.
  • 1 mile on every eligible dollar spent on purchases.
  • Miles don’t expire.
  • Miles Boost® - Make $25,000 in purchases on the Card and earn 10,000 bonus miles and 10,000 MQMs each calendar year; make $50,000 in purchases on the Card and earn an additional 10,000 bonus miles and 10,000 MQMs each calendar year.
  • Carry a balance with interest or pay in full each month.
  • No foreign transaction fees.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
  • 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Priority Boarding.
  • You can check your first bag for free and save up to $50 on a round-trip Delta flight.
  • Add Employee Cards.

One great feature of Delta SkyMiles is that your miles don’t ever expire. Whether you’re a card member, a frequent flyer or just the occasional Delta traveler, any miles you accumulate in your SkyMiles account will not expire. This is a huge benefit compared to most airline and hotel loyalty programs.

What is the value of the SkyMiles® Miles?

The major issue with the SkyMiles program is that Delta no longer publishes award charts, so you never know for certain how much an award should cost. Unlike many other carriers, the number of miles you need for a free Delta or partner airline flight is a mystery. This means you can’t save up a certain number of miles and know you can get a free domestic or international ticket. As a result, it’s hard to quantify the value of SkyMiles as the price of any award ticket can vary.

Before Delta did away with award charts, they introduced five tiers of awards for coach and first class/Delta One on flights they operated. These tiers have seemingly stayed intact, so a domestic one-way coach ticket could cost as few as 5,000 miles or as much as 37,500 miles (or more).

Sure, the distance between your origin and destination plays a role in the award cost, but it’s not a guarantee. And while Delta hasn’t confirmed this, it’s generally believed that the cost of an award ticket will soon mirror the cost of a paid ticket. That would mean that Delta miles would be worth about a penny each.

All of that aside, saver level availability still exists, and Delta runs award sales from time to time. International flights, though expensive in miles, can still yield decent returns.

welcome bonus
Flight Type
Average CPM
Economy · Domestic1.49cpm$522
Business · Domestic1.65cpm$578
Economy · International1.64cpm$574
Business · International4.41cpm$1,544

What is CPM and How Is It Calculated?

Cents Per Mile (CPM) is a way to measure the value of miles. It tells you how many cents you get for each mile you redeem by dividing the cash price of the airline ticket (minus taxes and fees charged for an award ticket) by the number of miles the award flight costs. This is a somewhat subjective calculation because the price of the flight in both cash and miles fluctuates by season and availability.

How we calculate CPM:

The final result:

The Best Ways to Redeem Delta Miles

Technically, SkyMiles is still a region-based rewards program. For the most part, traveling between different regions costs more miles than within the same region, and flying between closer regions is less than distant regions. But since there are no award charts to go by, this is not an absolute rule.

More and more, Delta awards are costing more, and it’s widely believed Delta will eventually switch to a revenue-based redemption system much like you find with JetBlue and Southwest. For regular flying, Delta already awards miles based on the price you pay for your ticket.

The Best Way to Redeem Rewards for Travel in
Economy Class

Roundtrip Domestic

  • Los Angeles

    Los AngelesAustin

    Economy class
    Miles price
    +$47.4 fee
    Dollars price
  • Honolulu
    Los Angeles

    HonoluluLos Angeles

    Economy class
    Miles price
    +$46.62 fee
    Dollars price
  • Daytona Beach

    Daytona BeachAtlanta

    Economy class
    Miles price
    +$43.06 fee
    Dollars price

Roundtrip International

  • Atlanta


    Economy class
    Miles price
    +$59.76 fee
    Dollars price
  • Houston


    Economy class
    Miles price
    +$107.16 fee
    Dollars price
  • San Francisco

    San FranciscoTokyo

    Economy class
    Miles price
    +$50.66 fee
    Dollars price

Roundtrip Domestic

  • Los Angeles

    Los AngelesNashville

    Business class
    Miles price
    +$11.2 fee
    Dollars price
  • Fort Lauderdale

    Fort LauderdaleBoston

    Business class
    Miles price
    +$11.2 fee
    Dollars price
  • Washington


    Business class
    Miles price
    +$5.6 fee
    Dollars price

Roundtrip International

  • New York

    New YorkParis

    Business class
    Miles price
    +$128.16 fee
    Dollars price
  • New York
    Tel Aviv

    New YorkTel Aviv

    Business class
    Miles price
    +$770.38 fee
    Dollars price
  • Philadelphia


    Business class
    Miles price
    +$102.16 fee
    Dollars price

Other ways you can redeem miles

Hotel Stays

22 partners22 part.

In addition to flights, you can redeem miles through toward hotel rooms, generally valued at one cent per mile in value.

Car Rental

9 partners9 part.

Need a car once you get to your destination? You can also redeem SkyMiles toward car rentals right around one cent in value.

Gift Cards

34 partners34 part.

Delta also offers many gift cards with popular retailers, but typically you’re getting much less than one cent per point for these redemptions.

Cash Back

You cannot redeem SkyMiles for cash back. However, one benefit available to all American Express Delta cardholders is the ability to Pay with Miles. When purchasing a revenue ticket, you can redeem for discounts off your airfare in 10,000 miles increments (10,000 miles are equal $100 off). However, if your ticket costs $175, you won’t be able to redeem that exact number of miles and instead would need 20,000 miles to cover the entire cost. This translates to less than 1 CPM, but it is an option.

Everyday Earnings with Platinum Delta SkyMiles® Business Credit Card from American Express

With your Platinum Delta SkyMiles Business card, you’ll earn two miles per dollar for delta purchases and one mile for everything else. You won’t earn bonus miles for groceries, gas or dining out like you can with some travel cards. But don’t forget, if your business spends $25,000 or $50,000 in a calendar year, you’ll earn an extra 10,000 or 20,000 redeemable miles, plus 10,000 or 20,000 MQMs that count toward elite status.

Platinum Delta SkyMiles® Business Credit Card Rewards

Your Monthly Charges
Rewards You Will Earn Annually
24,000miles$360in dollar value
Delta purchases
All Other Purchases

Travel Benefits

Free Checked Bag

The business cardholder and up to nine companions on the same reservation can get their first checked bag for free. If you travel a lot on business, this can really add up.

Companion Pass

Beginning in your second year of card membeship and every year after, you can earn one companion pass good for a free domestic coach ticket. All you have to pay for are the taxes and fees!

Lounge Access

While access to Delta Sky Clubs is not complimentary with this card, you are eligible for a discounted entrance fee of $29 for you and two companions.

Priority Boarding

Card members and their companions on the same reservation (up to nine people) are entitled to receive Zone 1 Priority Boarding on all Delta flights.

In-Flight Savings

You can get a 20% discount on food, alcohol and audio headsets on any Delta flight.

No Foreign Transaction Fee

You’ll never pay a foreign transaction fee anywhere Delta or its partners fly.

Earn Elite Status Fast

Another spectacular benefit of the Platinum Delta Business card is the ability to fast-track to elite status. As part of your welcome bonus, you’ll earn 5,000 Medallion Qualifying Miles (MQMs) toward your next status level.

Plus, you can earn extra MQMs every calendar year you spend $25,000 or $50,000 on the card. With that level of spending, you’ll earn an extra 10,000 or 20,000 MQMs (in addition to all your extra standard and bonus miles) to help you get Silver, Gold, Platinum or Diamond status quicker.

Best of all, if you earn MQMs with this card (or through flying) that don’t quite qualify you for the next status level, they’ll roll over to jump start qualification for next year. This is an unparalleled perk, but you have to obtain at least Silver status for any MQMs to carry over.

  • The welcome bonus includes 5,000 MQMs that count toward elite status
  • Earn another 10,000 MQMs if you spend $25,000 in a year
  • Get a total of 20,000 MQMs if you spend $50,000 in a year

Fees: the cost of Having Platinum Delta SkyMiles® Business Credit Card from American Express

The annual fee for all these benefits is $195, but it can easily be offset by all the miles you will earn. We estimate SkyMiles to be worth 1.5 cents each. So, you would need to spend $13,000 per year to cover the annual fee. If you spend $2,000 per month, you’ll have covered the annual fee in about 7.0 months. Or, if you think about breaking up that cost over the course of a year, you would need to spend about $1,084 per month to accomplish the same goal.

Another way to look at the annual fee is in the context of the welcome bonus. The 35,000 miles bonus is worth $525, based on our estimate, so that would cover the annual fee for just over 2.5 years. Not too bad.

But don’t forget, the card also comes with terrific savings when it comes to checked bags and the annual companion certificate. If you and a companion each checked a bag on every flight, your savings after just two roundtrips would cover the annual fee. Even better, if you can cash in the free companion certificate that you’ll earn annually starting in year two, that can pay for the card on its own, assuming your fare is at least $195. Amazing!

Annual Fee


Foreign Transaction Fee


Late Payment Fee

Up to $38

See What It Takes to Cover an Annual Fee:

Your Average Monthly Spend
Months to Cover Annual Fee
7 months


We strongly recommend to spend not less than $4,334 per months to cover the annual fee in three months.

Does the Card Pay for Itself?

We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the Platinum Delta SkyMiles Business credit card. Is the card worth getting, and should you keep it after you get the welcome bonus? Let’s find out.

These estimates are based on an annual monthly spend of $2,000

First Year

welcome bonus
Anniversary Bonus
Everyday Rewards
Statement Credit
Free Bags
Foreign Transaction Fees
APRS Charges
Annual Fee
Rewards Earned First Year

Second Year

welcome bonus
Anniversary Bonus
Everyday Rewards
Statement Credit
Free Bags
Foreign Transaction Fees
APRS Charges
Annual Fee
Rewards Earned Second Year

Top 5 Benefits of the Platinum Delta SkyMiles Business Card

This Platinum Delta Business card has many great benefits, and it’s hard to pick the ones that stand out the most. Certainly the welcome bonus, the ability to earn MQMs and the annual companion certificate are up there. Let’s look at the top five benefits of this credit card.

  1. Great welcome Bonus: This card comes with a nice welcome bonus of 35,000 redeemable miles along with 5,000 MQMs after spending $1,000 within the first 3 months. You can also earn a $100 statement credit if you make a single Delta purchase in that same timeframe. That’s a great deal!
  2. Earn MQMs Toward Status: Not only do you earn MQMs with your welcome bonus, but you can earn up to 20,000 additional MQMs on the card every year by spending up to $50,000 on the card. An amazingly unique benefit.
  3. Free Companion Pass: Want to take a family member, friend or colleague on a trip with you? With the annual companion pass that you get starting in the second year, bring someone with you for free on a domestic round-trip flight. All you have to pay are their taxes and fees.
  4. Free Checked Bags: Delta charges $25 per person to check the first bag, but you and nine companions can get this fee waived as long as you’re booked on the same reservation.
  5. Earn Delta SkyMiles on Every Purchase: Get double miles with Delta and one mile per dollar for all other purchases.

Should You Get the Platinum Delta SkyMiles Business Credit Card?

As you can see, this Delta card is stacked with great benefits that couple well with the SkyMiles program, even if it’s not the best airline loyalty program around. If you travel on Delta often for business, you can rack up even more miles using this card, and depending on your level of travel and spending, the added MQMs may just help you reach your next status level faster.

The savings you get with the checked bag fee waivers and annual companion pass can add up very fast, and just these two benefits alone can save you hundreds of dollars, making that annual fee worth the cost! Even if you’re not a heavy road warrior, the benefits from this card can save you a nice chunk of change.

Our opinion is that the $195 annual expense is well worth it. But when trying to decide if this is the best business card for you, consider how much travel you do and how often you fly with Delta. If the numbers don’t add up, this may not be the best choice. But most occasional Delta flyers will find this card a nice one to keep long term.


Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • Can I have both the personal and business version of the Delta Platinum Amex?

    Yes, you can. While the benefits on both cards are nearly identical, American Express does allow you to have multiple Delta credit cards. Why might you want to do this? If you’re a big spender, you could earn even more MQMs by having both versions of the card, plus you’d earn two companion certificates each year!
    Unfortunately, the free bag perk does not stack, so you won’t be eligible for two free bags if you have two Delta cards. Just keep in mind you’ll have to pay the $195 annual fee twice by having both versions.
  • If I already have the American Express Business Platinum card, should I get this card, too?

    Many people get the Platinum Delta Amex confused with the Amex Platinum card, but they are two separate products. There are numerous differences between these cards, so you could have both. And if you’re a Delta loyalist, it may make sense to have both cards in your wallet.
  • How does lounge access work with this card?

    Unlike other premium credit cards, the Business Delta Platinum card does not get free lounge access. However, you can get into Delta lounges at a discounted rate. Normally, entrance to Sky Clubs costs $59 per person, but with this card, you can save $30 per person (for yourself and up to two companions). Depending on how much time you have before your flight, access to a comfy seat, free Wi-Fi and complimentary snacks and beverages could be well worth the expense.
  • If an employee uses their card to book a Delta flight, will they also get priority boarding and the first checked bag free?

    Sadly, no. The priority boarding and free baggage are limited to the primary cardholder unless he or she books themselves and other travelers on a single reservation. Again, the primary cardholder must be traveling to take advantage of these benefits.
  • How many Delta cards can I have at one time?

    If you’re thinking of adding multiple Delta cards to your collection, you can. While there isn’t a limit to the number of Delta cards you can hold at one time, American Express generally limits you to four credit card accounts, regardless of which product you have.
  • Do I have to use this card to book my airfare to get priority boarding and the first checked bag free?

    One nice perk of this airline card is that you’re not required to use it when making your booking to be eligible for free checked bags and priority boarding. As long as your SkyMiles number is attached to your reservation, your status as a cardholder will be recognized.
    If, however, you are crediting your miles to another carrier’s program, you’ll forego these benefits. And, if you book travel for your employee and they, too, are a Delta cardholder, they will receive these benefits as well.
  • What is the OPEN Savings benefit that comes with this card?

    One feature that comes with most Amex business credit cards is their OPEN partnership discounts. With the Delta Business Platinum card, you can get an automatic 5 percent discount with select merchants that are part of the OPEN network. You must use your Delta Platinum business card to be eligible, and the discount shows up on a later statement as a credit. More details are available on American Express’ website.
Have A Question?
Ask our credit card expert!

Compare Delta Amex Cards

As mentioned earlier, American Express offers a suite of Delta credit cards for business customers. All the cards below have annual fees, can earn SkyMiles on every purchase, and offer priority boarding with a baggage waiver. Let’s take a closer look.

Platinum Delta SkyMiles® Business Credit Card from American Express
For Excellent/Good Credit
Check which AMEX card is the right fit for you
Compare Airline Cards

Other Delta Amex Cards

Gold delta SkyMiles Business Credit CardGold delta SkyMiles Business Credit CardDelta Reserve for Business Credit CardDelta Reserve for Business Credit Card
welcome bonus30,000 miles35,000 miles40,000 miles
Annual Fee

$0 intro fee, then $95



APR On Purchases17.74% to 26.74% Variable±17.74% TO 26.74% VARIABLE17.74% TO 26.74% VARIABLE
Foreign Fee0%0%0%
Bonus Value$450$525$600
Second Year Value$360$360$360

The most basic and obvious difference amongst these cards is the annual fee. This is intentional as each card is targeted for a different type of business client. Further, only the Gold card waives the annual fee for the first year.

Out of this group, the Reserve version offers the highest welcome bonus, but the Reserve offers the ability to earn the most MQMs through annual spending. Meanwhile, the Gold card awards no MQMs. Also, the Platinum and Reserve versions offer annual companion certificates, while the Gold does not. But the Reserve’s certificate can be used domestic first class tickets.

Lastly, only the Reserve card offers complimentary access to Sky Clubs for the primary cardholder. Like the other Delta cards, companions will have to pay the discounted $29 admission price.

As you can see, all three Delta business credit cards function similarly. You should choose the card that’s best for your business and pay an annual fee that’s based on your needs.

Compare the Platinum Delta SkyMiles Business Card to Other Cards

If you’re shopping for an airline business credit card, you’re probably wondering how the Delta card compares to ones offered by the competition. While all of these cards earn miles on their respective carriers and offer priority boarding and free bags, they are more different than similar.

35,000miles offer
Platinum Delta SkyMiles® Business Credit Card from American Express

Check if Platinum Delta SkyMiles® Business Credit Card from American Express is the best option for you

Both the CitiBusiness American Airlines card and United business card have annual fees waived for the first year. That’s a big advantage compared to the others in our chart. When it comes to normal spending, only the AA card offers double miles in select business categories, while the remaining cards earn double miles only on purchases with their respective co-branded airlines. Plus, only Delta’s card can help you earn elite status.

The welcome bonuses also vary quite a bit, with the United card leading the pack and the Asiana card having the smallest welcome bonus.

In terms of annual benefits, the Delta card offers a companion certificate, the United card awards two free passes to United Clubs and the Asiana card offers statement credits if you book Asiana flights originating in the U.S. The standout, however, is the business AA card that offers a $99 companion discount certificate (if you spend $30,000 in a year) and is eligible for discounted award pricing with Reduced Mileage Awards on American-operated flights.

As you can see, all these cards offer different benefits, so it really boils down to which airline’s benefits you will use. Further, if you’re loyal to one particular airline for business travel, it’s probably best to get that airline’s business card.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details

Excellent credit score
From 700 to 850
American ExpressAmerican Express
Use miles
Pay with points

Flight Features

Available airline
Delta AirlinesDelta Airlines
Loyalty Program
Flights Type
Domestic and International

Travel Partners

Car Rental

Card Terms and Conditions

While it's easy to focus on the rewards offered by the Platinum Delta SkyMiles Business credit card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Amex card.


Intro APR:
0% Intro APR on purchase for 6 months
Intro APR for balance transfers:
Ongoing APR:
17.74% TO 26.74% VARIABLE
Minimum Grace Period:
25 days
Extended Warranty Protection:
The Delta Business Platinum card offers an extended warranty of up to 1 year on eligible purchases. Coverage is limited to $10,000 per item and $50,000 per calendar year.
Purchase Protection:
You can use your card with peace of mind knowing you have purchase protection. Theft and accidental damage can be covered by Purchase Protection for up to 90 days and $1,000 per occurrence.

Cash Advance Features

Ongoing APR:
27.24% (Prime Rate + 21.99%) Variable±
Cash Advance Fee:
Either $5 or 3% of the amount of each cash advance, whichever is greater

Security and Protections

American Express has an excellent reputation for protecting cardholders in the event that a card is lost or stolen. Fraud protection comes with every American Express card, and Amex is known to be a generous issuer in helping making you whole when something goes wrong.

Here’s a list of security features that come with your card.

Account alerts:
Set up email, text or push alerts to be notified whenever there’s a large transaction on your account, an unauthorized withdrawal occurs or it’s time to pay your bill.
Banking On the Go:
Amex offers an easy-to-use mobile app to keep track of your account, no matter where you may be.
EMV Chip Technology:
Amex cards offer chip technology for greater worldwide acceptance.
Credit Score Monitoring:
Amex makes it easy to keep an eye on your credit by offering a free FICO score available online.
Dispute Resolution:
If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.

Mobile Banking

In our fast-paced world, it’s great to have access to a free mobile app to not only monitor your account, but access a lot of the American Express website’s features straight from your smartphone. Banking on the go has never been more convenient or secure.

Apple Pay, Android Pay and Samsung Pay are all available with your Delta Platinum card.

Additional Cardholder Benefits

One great thing about the Platinum Delta SkyMiles Business card is the wealth of travel benefits offered through American Express.

American Express Travel Benefits

Auto Rental Collision Damage Waiver:
If you pay for your entire rental with your Amex card, you get secondary coverage for theft and collision for most rentals in the U.S. and abroad.
Roadside Assistance:
Need a tow or help changing a flat tire? Roadside assistance is available in the U.S., Canada, Puerto Rico and USVI. Third party charges apply.
Travel Accident Insurance:
Provides coverage for accidental death when traveling on a common carrier if you’ve charged your entire fare to the card. Exclusions do apply.
Global Assist Hotline:
Get 24/7 access to medical, legal, financial or other select emergency assistance, like passport replacement, wiring money, missing luggage and more. Third party charges apply.
Relationship Care Service:
Round-the-clock specialized service from dedicated small business specialists can help with any unique needs.
Spend Manager:
This tool allows you to categorize and manage your expenses online or through your mobile device.
Connect to Quickbooks:
If you’re a Quickbooks user, you can transfer your account data straight from Amex into your accounting software.
Year-End Summary:
Get a free and complete summary at the end of each year to track your business expenses by category from the entire previous year.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.