Delta SkyMiles^® Platinum Business American Express Card Review [2024]: Never Pay for a Bag on Delta Again

The Delta SkyMiles^® Platinum Business American Express Card is a widely respected credit card for its perks. This business card has a wide array of features, including a healthy welcome offer, travel insurance, and a free checked bag when flying Delta. If you’re in the market for a business credit card that will earn valuable frequent-flyer miles, this card may suit your needs.

In this Delta SkyMiles Platinum Business American Express Card review, you’ll learn about both the benefits and drawbacks of this card.

Earn Valuable Frequent Flyer Miles

Delta SkyMiles^® Platinum Business American Express Card

4.6

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Delta SkyMiles^® Platinum Business American Express Card

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See rates and fees | Terms Apply

Current Offer

Earn 65,000 bonus miles after you spend $6,000 in purchases in your first 6 months

Annual Fee

$350

Rewards Rate

1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more; and 1X mile per $1 spent on other eligible purchases

Benefits and Drawbacks

Benefits

• Earn 65,000 bonus miles after you spend $6,000 in purchases in your first 6 months
• Earn 1.5X points on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more
• Annual companion certificates
• Free checked bag + priority boarding
• No foreign transaction fees
• $350 annual fee. Terms apply.

Drawbacks

• Has annual fee

Card Details

• Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
• Enjoy a 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.
• Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
• Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
• Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
• 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.
• 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.
• Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• 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.
• Terms and limitations apply.

Who should get the Delta SkyMiles Platinum Business American Express Card?

This card is the small business version of the Delta SkyMiles Platinum American Express Card. That means the perfect candidate for the Delta SkyMiles Platinum Business American Express Card is an owner of a small- to medium-sized business looking for a card to earn valuable frequent-flyer miles. While there are a vast amount of business credit cards for travel, this card can both improve your experience flying with Delta Air Lines and boost your SkyMiles.

Some people shy away from airline credit cards if they don’t fly frequently. But the Delta Platinum Business Card could make back the money spent on the annual fee fairly quickly, so it could be a good fit even for less-frequent Delta flyers.

Card basics

Delta SkyMiles Platinum Business Amex benefits and perks

• Generous welcome bonus: Earn 65,000 bonus miles after you spend $6,000 in purchases in your first 6 months after account opening.
• Get a major status boost: You'll receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and can earn $1 MQD for each $20 of purchases. Elite status comes with perks such as Sky Club membership, upgrade certificates, bonus miles, and baggage fee waivers.
• Free checked bags: You’ll get your first checked bag free when flying Delta. This can be a large money saver, even if you only fly a few times a year.
• Companion certificate: Renew your card after your first year and you’ll get a companion certificate. This certificate is essentially a “buy one, get one free” for a main cabin domestic, Caribbean, or Central American flight. This is a perfect way to save money on flying with a client or significant other. Be aware the certificate does have terms and conditions to abide by.
• Insurance coverage: The Delta SkyMiles Platinum Business Credit Card covers you during your travels with baggage insurance, a roadside assistance hotline, and car rental loss and damage insurance (secondary coverage).¹²³ Plus if your flight is delayed more than 12 hours, you can also be reimbursed for up to $300 in unexpected expenses per trip.⁴
• Cell phone protection: If you pay your cell phone bill in full with this card, you receive cell phone protection for stolen or damaged cell phones. This includes up to $800 per claim on up to two claims per card account per 12-month period. A $50 deductible per claim may apply.⁵
• Early boarding: When traveling on Delta flights, you’ll receive Main Cabin 1 priority boarding. For some, this is vital to a better flying experience because it gives you a bit more time to settle into your seat.
• In-flight discounts: You’ll get 20% in-flight savings on eligible purchases, such as food or drinks, when you fly with Delta.
• TakeOff 15: New and existing cardmembers can get a 15% discount when booking Award Travel with miles on Delta flights. This discount does not apply to partner-operated flights or taxes and fees.
• Global Entry or TSA PreCheck: You also get a statement credit of up to $100 every 4 years for Global Entry or up to $85 every 4.5 years for TSA PreCheck.

Drawbacks of this card

• Has annual fee: This is a premium travel card and as such it does have a $350 annual fee. But if you travel regularly on Delta, enjoy the perks of this card, and want the accelerated MQD earning, then this card could be worth the fee.

Earning & redeeming Delta SkyMiles

Best ways to earn

If you’re looking to earn a significant amount of Delta SkyMiles for your next trip, the Delta SkyMiles Platinum Business Credit Card can be great for your SkyMiles balance. However, if you’d rather have more robust spending categories for earning rewards, you might be better off with a different card in the long run. There are other great Delta credit cards that could help you continue earning SkyMiles in a way that best matches both your travel and spending habits.

Maximizing your redemptions

As for redeeming Delta SkyMiles, there’s a long-standing debate about the value of one Delta mile. However, the general consensus among points and miles geeks is that you want to achieve at least a redemption value of 1.41 cents per point or mile when using your rewards to get the most out of them.

So, how do you determine the value of your SkyMiles when you’re looking at your redemption options? To determine the value of your miles, you can use this formula: (Cash price of flight with taxes and fees) / (number of miles needed) = value of one mile.

For example, say a round-trip flight from Los Angeles to New York normally costs $500, including taxes and fees. If you can use 40,000 SkyMiles to book it, the miles valuation would be $500 / 35,000 SkyMiles = 1.42 cents per mile — this is a good deal. Therefore, you can see that you should be aiming to spend no more than 40,000 Delta SkyMiles for a good value on this airfare.

However, if that same flight is charging 74,000 Delta SkyMiles, that redemption would look like this: $500 / 74,000 = 0.68 cents per mile. This is a bad deal.

To get the most out of your rewards, it’s imperative to not only earn your points and miles effectively but to also spend effectively as well.

Delta SkyMiles American Express Card transfer partners

You don't have to limit yourself to Delta flights to get the most from this card's rewards. Delta is a member of the SkyTeam Alliance, which has over 20 airline partners. You can choose to use your miles to book award flights with the following partners:

• Aerolíneas Argentinas
• Aeroméxico
• Air Europa
  
• Air France
• China Airlines
• China Eastern
• Czech Airlines
• Delta Airlines
• Garuda Indonesia
• ITA Airways
• Kenya Airways
• KLM
• Korean Air
• Middle East Airlines
• Saudia Airlines
• TAROM
• Vietnam Airlines
• Virgin Atlantic
• XiamenAir

Delta SkyMiles Platinum Business Amex FAQs

Other cards to consider

The Delta SkyMiles Platinum Business American Express Card is a great card for business owners to get started with. However, it isn't the only small business credit card that earns travel rewards and it isn't the only credit card offer from Delta.

If you fly a lot, an alternate card to consider is the Delta SkyMiles^® Reserve Business American Express Card. This card has a $650 annual fee, but the generous welcome offer can help offset the cost. Earn 75,000 bonus miles after spending $10,000 in purchases in your first 6 months. You'll also enjoy premium perks like airport lounge access, priority boarding, a companion certificate, and more. Note that select benefits require enrollment.

If the Platinum card feels like too much to you, then consider the Delta SkyMiles^® Gold Business American Express Card. While this card is very similar, it’s a smaller investment, with a $0 intro annual fee for the first year, $150 per year thereafter, but it still comes with some perks. Plus it offers a welcome bonus. Earn 55,000 bonus miles after you spend $4,000 in purchases in your first 6 months.

Earn Valuable Frequent Flyer Miles

Delta SkyMiles^® Platinum Business American Express Card

4.6

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Delta SkyMiles^® Platinum Business American Express Card

4.6

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

Why We Like It

Earn 65,000 bonus miles after you spend $6,000 in purchases in your first 6 months

See rates and fees | Terms Apply

Apply Now

See how these cards compare:

Delta SkyMiles® Reserve Business American Express Card

• Earn 75,000 bonus miles after spending $10,000 in purchases in your first 6 months
• 3X points on eligible purchases made directly with Delta
• Complimentary Delta Sky Club and Centurion Lounge access
• $650 annual fee. Terms apply.
• See rates and fees | Terms Apply

Delta SkyMiles® Gold Business American Express Card

• Earn 55,000 bonus miles after you spend $4,000 in purchases in your first 6 months
• Earn 2X points on purchases at Delta and restaurants, and on eligible U.S. shipping purchases and eligible U.S. advertising in select media up to $50,000 per category, per year
• First checked bag free + priority boarding
• No foreign transaction fees
• $0 intro annual fee for the first year, $150 per year thereafter. Terms apply.
• See rates and fees | Terms Apply