Platinum Delta SkyMiles Business Credit Card from American Express Review: Never Pay for a Bag on Delta Again [2019]

This is a fantastic card to get you in the sky using your Delta SkyMiles.
10/1/19 | By Brett Holzhauer

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The Platinum Delta SkyMiles Business Credit Card from American Express (learn more) is a widely respected credit card for its perks. This business card has a wide array of features, including a healthy welcome offer, travel insurances, 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 Platinum Delta SkyMiles Business Credit Card from American Express review, you’ll learn about both the benefits and drawbacks of this card.

Earn Valuable Frequent Flyer Miles

Platinum Delta SkyMiles Business Credit Card from American Express

Platinum Delta SkyMiles Business Credit Card from American Express

Platinum Delta SkyMiles Business Credit Card from American Express

Benefits

  • 35,000 bonus mile welcome offer
  • 2X miles on eligible Delta purchases
  • Annual companion certificates
  • No foreign transaction fees
  • Terms apply


Who should get this card?

A perfect candidate for the Amex Platinum Delta SkyMiles Business Credit 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 this card could make back the money spent on the annual fee fairly quickly, so it could be a good fit even for less-frequent flyers.

Card basics

Annual Fee $195 ($250 if application is received on or after 1/30/2020)
Welcome Bonus Earn 35,000 bonus miles and 5,000 MQMs (Medallion Qualification Miles) after making $1,000 in purchases within first 3 months; also, earn a $100 statement credit after you make a Delta purchase in the first 3 months
Recommended Credit Score Excellent, Good
Foreign Transaction Fee None

Top card benefits

  • Generous welcome bonus: Earn 35,000 bonus miles and 5,000 MQMs (Medallion Qualification Miles) after making $1,000 in purchases within first 3 months; also, earn a $100 statement credit after you make a Delta purchase in the first 3 months.
  • 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 one year and you’ll get a companion certificate. This certificate is essentially a “buy one, get one free” for any main cabin domestic flight within the United States. This is a perfect way to save money on flying with a client or significant other. This companion certificate can also be gifted to anyone of your choosing. Be aware the certificate does have terms and conditions to abide by.
  • Insurance coverage: The Platinum Delta SkyMiles Business Credit Card covers you during your travels with baggage insurance, travel accident insurance, a roadside assistance hotline, and car rental loss and damage insurance (secondary coverage). Hopefully you never have to use these features, but when things go awry, you can call American Express for assistance.
  • Early boarding: When flying Delta, 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.
  • Inflight discounts: You’ll get a 20% inflight savings on eligible purchases, such as food or drinks, when you fly with Delta.

Earning & redeeming

With the Platinum Delta SkyMiles Business Credit Card from American Express, you’ll earn 2X miles per $1 spent on purchases made directly with Delta, and 1X mile per $1 spent on eligible purchases.

Be aware that the earnings from this card are actually no different than the Gold Delta SkyMiles Business Credit Card. While the Platinum Delta Skymiles Business card has a higher annual fee and more benefits to being a cardholder, the spending rewards rates are the same.

Best ways to earn

If you’re looking to earn a significant amount of Delta SkyMiles for your next trip, the Platinum Delta SkyMiles 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 credit card options for Delta flyers 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 1.25 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 / 40,000 SkyMiles = 1.25 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.

Common questions

What qualifies as a Delta purchase?

Purchases made with Delta include flights booked on Delta.com; Sky Club membership or passes; Delta Vacations packages; seat upgrades; inflight purchases, like food, beverages, and audio headsets; and more.

Can you have two Delta Amex cards?

Yes, you can. And while some of the benefits may overlap (e.g., free checked bags), having multiple Delta Amex cards may help you earn more SkyMiles faster.

Is the Amex Platinum Delta SkyMiles Business Credit Card worth it?

The card is very much worth it for two simple factors: the welcome bonus and the companion certificate. Even if you only take three round-trip flights per year, you can almost make back the annual fee with the free checked bags alone.

How much is 1,000 Delta SkyMiles worth?

The value of 1,000 Delta SkyMiles varies on a number of factors. However, you can very simply calculate the value of each mile you’re spending by taking the dollar amount spent and dividing it by the number of miles needed:

(Cash price of flight with taxes and fees) / (number of miles needed) = value of one mile.

You can then multiply the value of one mile by 1,000 to get your worth.

Generally, you want to aim to get more than one cent per mile when redeeming for flights.

Does the Platinum Delta SkyMiles Business Credit Card from American Express have a foreign transaction fee?

No, it does not.

Other cards to consider

The Platinum Delta SkyMiles Business Credit Card (learn more) is a great card to get started with. However, it isn’t the best card to spend a large amount of money on because of the limited spending rewards and annual fee.

An alternate card to consider is the Marriott Bonvoy Business American Express Card. With the Marriott Bonvoy Business, you earn 6X points at participating Marriott Bonvoy hotels; 4X points on U.S. restaurants, U.S. gas stations, U.S. purchases on shipping, and wireless telephone services purchased from U.S. providers; and 2X points on all other eligible purchases.

Second, consider the Gold Delta SkyMiles Business Credit Card from American Express. While this card is very similar to the Platinum Delta SkyMiles Business, it’s a smaller investment with its annual fee of $95 (waived first year).

Earn Valuable Frequent Flyer Miles

Platinum Delta SkyMiles Business Credit Card from American Express

Platinum Delta SkyMiles Business Credit Card from American Express

Platinum Delta SkyMiles Business Credit Card from American Express

Special Offer

Earn 35,000 bonus miles and 5,000 MQMs (Medallion Qualification Miles) after making $1,000 in purchases within first 3 months; also, earn a $100 statement credit after you make a Delta purchase in the first 3 months

See how these cards compare:

Marriott Bonvoy Business American Express Card
Marriott Bonvoy Business American Express Card
  • 75,000 Bonvoy points welcome offer
  • 6X points at participating Marriott Bonvoy hotels
  • 4X points at U.S. restaurants and U.S. gas stations
  • Free Night Award every year after your Card account anniversary
Gold Delta SkyMiles Business Credit Card from American Express
Gold Delta SkyMiles Business Credit Card from American Express
  • 30,000 bonus mile welcome offer
  • 2X miles on eligible purchases with Delta
  • First checked bag free
  • No foreign transaction fees
  • Terms apply

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