Delta SkyMiles® Platinum Business American Express Card review

If comfort and perks are on your list of business needs, you can rack up miles for your travel and other purchases while taking advantage of travel benefits like priority boarding, in-flight savings, and more.

Written by
Brooklyn Lowery
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Small Business Card

Delta SkyMiles® Platinum Business American Express Card

  • Rewards
  • 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. 1 Mile on every eligible dollar spent on other purchases.
  • Welcome Bonus
  • Earn 95,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.
  • Annual Fee
  • $350
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Sponsored card
5.0
Credit Score: Excellent, Good
on American Express's secure website
Terms and Limitations Apply

Key Features

Editor Analysis:

Pros
  • Limited Time Offer: Earn 95,000 bonus miles after spending $8,000 in purchases on your new card in your first six months of card membership. Offer ends 7/17.
  • Earn 3X miles for every dollar spent on eligible purchases made directly with Delta and for eligible purchases made directly with hotels. Earn 1.5X miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 100,000 additional miles per year, and 1X mile on every eligible dollar spent on other purchases.
  • 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 made with your card.
Cons
  • The annual fee means this card is best for people who will fully use its perks and features. If you aren't brand loyal, there are likely better card options for you. See Rates and Fees.
ALTERNATE CARD TO CONSIDER

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card_name essentials

The CardName provides plenty of perks for the business traveler who spends as much time working from a tray table as at a traditional desk. The card allows you to rack up extra miles for your Delta purchases, as well as miles for the rest of your purchases. Those miles can then be redeemed for flights, hotel stays, car rentals and more. American Express is a CardRatings advertiser.

How you acquire miles is simple:

  • Earn 3X miles for every dollar spent on eligible purchases made directly with Delta and for eligible purchases made directly with hotels
  • Earn 1.5X miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 100,000 additional miles per year
  • Earn 1X mile on all other eligible purchases

Miles don’t expire so you can save up for the trip of a lifetime or use them as soon as you want; the choice is yours.

The CardName‘s rewards program includes multiple ways to get even more miles.

The limited time offer allows cardholders to earn 95,000 bonus miles after spending $8,000 in purchases on your new card in your first six months of card membership (offer ends 7/17).

CardRatings Tip

This card allows you to get closer to elevated status in the next Medallion Year with MQD Headstart and MQD Boost: cardholders can receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases made with the card. 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.

What we like best about the CardName

When it comes to a credit card for your business, you want to know that you’re getting everything you need – plus some extra perks – especially if you’re paying an annual fee. In the case of the CardName, that annual fee is significant at AnnualFees but if travel is a regular part of your business, that fee would likely be offset with all the rewards-earning opportunities and flexible redemption options offered by the card. See Rates and Fees.

So, let’s talk about earning those rewards. As we mentioned above, you earn 3X miles for every dollar spent on eligible purchases made directly with Delta and for eligible purchases made directly with hotels; 1.5X miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 100,000 additional miles per year; and 1X mile on every eligible dollar spent on other purchases. That means all your business purchases, on travel or otherwise, will go toward helping you bank rewards. And don’t overlook the limited time offer that allows you to earn 95,000 bonus miles after spending $8,000 in purchases on your new card in your first six months of card membership (offer ends 7/17).

All those rewards you earn can be redeemed for seats on Delta and partner flights, upgrades to first class or Delta One, hotel stays, car rentals and merchandise. Basically, your business’ travel needs are likely eligible to be covered by your rewards.

There are plenty of comforting travel perks with this card beyond the rewards. Cardholders receive Zone 5 priority boarding, 20% off in-flight purchases, baggage insurance, car rental loss and damage insurance, and roadside assistance.

Lastly, the CardName doesn’t charge foreign transaction fees, so go ahead and take that business trip abroad; you won’t be on the hook for additional fees on international purchases. See Rates and Fees.

Potential downsides of the CardName

The AnnualFees annual fee can take a bite out of your SkyMiles gains, so you’ll want to make sure the SkyMiles more than offset the fee. Though, the bonus miles as well as potential rewards you can earn through spend can more than offset that fee your first year as a cardholder.

How do cardholders rate the CardName?

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the CardName:

  Current Scores Past Scores
Overall Score 82.4 N/A
Features Satisfaction 8.3 N/A
Customer Service 8.3 N/A
Website/App Usability 8.3 N/A
Likelihood of Continuing to Use 8.3 N/A
Recommend to a Friend/Colleague 8.1 N/A

Scores above reflect the results of surveys with actual cardholders. Full methodology below.

How the CardName compares to other credit cards

CardName vs. CardName

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The CardName offers many of the same perks as the CardName, but with a lower annual fee and less lucrative welcome offer.

The CardName has a AnnualFees. The fee difference could certainly be a deciding factor if your business doesn’t require enough travel to make that higher fee worthwhile. See Rates and Fees

With the CardName, for a limited time you can earn 75,000 bonus miles after spending $6,000 in purchases on your new card in your first six months of card membership (offer ends 7/17). Additionally, take $200 off your next Delta flight – after you spend $10,000 in purchases on your card in a calendar year, you will earn a $200 Delta flight credit to use toward future travel.

Beyond those things, you do get many of the same benefits on both cards. For instance, both cards offer bonus miles for every $1 spent on eligible purchases directly with Delta, Zone 5 priority seating and no foreign transaction fees. See Rates and Fees.

The decision comes down to whether you want a more generous bonus program or you prefer to pay a lower annual fee.

CardName vs. CardName

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This card isn’t specifically an air miles rewards card, but Chase Ultimate Rewards points can certainly be redeemed for flights – in fact, you’ll receive 25% of your points back each time you redeem for travel through the Chase Travel portal – so the CardName is worth a look for the business that travels regularly (or even just occasionally).

With the CardName, you earn bonus points (three points per $1) in a number of common business categories including travel, shipping, some advertising and several other categories up to $150,000 spent annually. After that, and on all other purchases, you earn one point per $1. The annual fee with this card is less at $95 and you won’t pay any foreign transaction fees. Plus, there’s currently an 120,000-point bonus (worth $1,500 in travel when redeemed through Chase Travel℠) after you spend $8,000 within the first three months.

When you’re comparing a branded card to a non-branded card, you have to think about your loyalty to that brand. If it isn’t particularly strong, you’re likely better off with a more general rewards card, like the CardName that allows you to redeem your rewards for travel.

Who should get the CardName?

If you fly Delta Airlines regularly, then the CardName could be the card for you. Not only do you rack up the SkyMiles on Delta, but you can use your miles for flights with Delta and SkyMiles partners or upgrade to first class or Delta One. You could additionally use your miles for hotel rooms, car rentals and merchandise so it’s more than just a frequent flyer card

You also benefit while you’re in the air since the card offers a 20% discount for in-flight food, beverages, television shows, video games and headsets. But this card is not only about flights. There are plenty of travel perks, too, including baggage insurance, and car rental loss and damage insurance.

Whether this card is right for you depends on how much you fly Delta and whether the card’s bonuses and perks offset the annual fee.

Frequently asked questions

The CardName charges a AnnualFees annual fee.
The CardName is designed for people with good to excellent credit. If your credit score falls within this range, you should qualify for eligibility. That said, other factors, such as payment history, your total number of accounts, and the average age of your accounts, could also be considered in the application process.

Our methodology

Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. “Current Scores” reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.


This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.


To see the rates and fees for the American Express cards featured in this post, please visit the following links: CardName (See Rates and Fees); CardName (See Rates and Fees)

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