Delta SkyMiles Platinum Business Card Review

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The Delta SkyMiles Platinum Business Card from American Express is designed for frequent business travelers with a preference for Delta Air Lines. It comes with a significant annual fee, but the travel benefits and miles-earning potential may more than make up for it. See rates and fees.

Delta SkyMiles® Platinum Business Card

Overall Rating
Delta SkyMiles® Platinum Business Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $250
Rewards Earning Rate Earn 3 miles per dollar on eligible purchases made directly with Delta and hotels. Earn 1 mile per dollar spent on other eligible purchases.
Cash Advance APR (%) 25.24%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Limited Time Offer: Earn 90,000 bonus miles, 10,000 Medallion(R) Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Offer Ends 11/10/21.

Who Is This Credit Card Best For?

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    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
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    Hits the road often, whether for work or play See more cards
    Road Warrior

The Delta SkyMiles Platinum Business Card is best for frequent business travelers who usually fly Delta and have good credit and a sizeable budget. At $250, the annual fee is relatively high for an airline card, but if you’re in the air regularly, the waived baggage fees and yearly companion ticket (good for main cabin domestic flights) more than outweigh that cost. 

Plus, the rewards rate for purchases with Delta or at any directly-booked hotel is nothing to scoff at: triple miles for every dollar spent is as good or better than you’ll find on many airline and general travel cards, and even Delta’s highest-tiered business card, the $550 Delta Reserve for Business, doesn’t offer any bonus miles for hotel stays. 

Big spenders get even more value: Any single purchase of $5,000 or more earns extra miles, and if you spend $50,000 in a calendar year, you’ll be well on your way to Delta’s elite flying status, which comes with complimentary upgrades and VIP perks.  

That said, a card with another airline is likely to have relatively comparable benefits and a lower annual fee, so if you don’t have a particular affinity for Delta and don’t put a high value on travel amenities, you may want to look elsewhere.

  • Triple miles on Delta and hotel purchases

  • Potentially big boost toward elite flying status

  • Travel benefits

  • High annual fee

  • No complimentary lounge access

Pros Explained

  • Triple miles on Delta and hotel purchases: Getting 3 miles for every $1 you spend with Delta or on hotel stays booked directly is quite competitive relative to what’s offered on other airline cards. Some flexible travel cards not affiliated with a particular airline have better reward opportunities, but you probably won’t get the same travel perks with those cards. (Though they may offer the opportunity to transfer your miles to select airline programs.)
  • Potentially big boost toward elite flying status: If you’ve got a big enough budget, you’ll be fast-tracked toward coveted Delta Medallion status without even stepping foot on a plane, with the “Status Boost” program. With Status Boost(R), earn 10,000 Medallion(R) 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.
  • Travel benefits: While priority boarding privileges and a free checked bag aren’t unusual for airline cards with similar (or lower) annual fees, these perks make your cost easier to swallow. One checked bag costs $60 on a round-trip Delta flight which is valid for up to other people traveling under the same reservation. Plus, you’ll get a round-trip U.S. economy-class ticket for a travel companion each time you renew your card. 

Delta’s status system can be confusing. MQMs reflect the distance and fare class you’ve flown within a calendar year; Medallion Qualification Dollars reflect the dollars spent. For Silver status (the first tier), you'll need to earn 25,000 MQMs plus 3,000 MQDs. The MQD requirement is waived if you charge at least $25,000 to your card during the calendar year. 

Cons Explained

  • High annual fee: The fee of $250 is pretty steep, especially if you’re not a big spender who will benefit from the boost toward elite flying status. You can get a card with a competing airline for around $100, though you’re not likely to earn as many miles per dollar you spend.
  • No complimentary lounge access: Unlike the Delta Reserve for Business, this card doesn’t offer any complimentary access to those coveted Delta Sky Club airport lounges. You can pay a fee—$39 per visit—but considering another airline card with a lower annual fee will offer you two free passes each year to its airport lounge network, this is pretty stingy.

Welcome Offer

For a limited time, earn 90,000 bonus miles, 10,000 Medallion(R) Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Offer ends 11/10/21.

The bonus miles alone are worth about $1,296 when redeemed for flights, according to the latest analysis by The Balance. This is one of the better welcome offers among the Delta suite of business cards. Unless you really want an extra boost to reach elite frequent flyer status faster with the Reserve card, the Delta SkyMiles Platinum Card is worth considering.

Earning Points & Rewards

There’s nothing complicated about earning miles on this card. For every $1 you spend with Delta, including on flights, in-flight food and beverages, seat upgrades, and Sky Club membership, you’ll earn 3 miles. Any purchases made directly with a hotel will also garner 3 miles per $1. 

To earn the higher rate, purchases must be charged directly with hotels. In other words, you cannot prepay with a third party, such as an online travel agent, or as part of a vacation package. (Though you can reserve with a third-party.) Purchases at spas or restaurants inside hotels may not qualify for the bonus miles either. 

You’ll also get 1.5 miles per dollar on all single purchases that are $5,000 or more, which can come in handy for business equipment. For all other purchases, you’ll get 1 mile per $1 spent.

These rewards rates are quite respectable, but other business travel cards, many of which have a lower annual fee, pay at least double miles or points on more types of business expenses, so the best card for you will depend on where most of your budget goes.

Redeeming Rewards

If you’re like most people, you will want to save up your miles and use them for award Delta flights. Because flight prices range widely, you’ll want to do some shopping around to make the most of your points. Miles do not expire, so you can save them up for as long as it takes to get a flight. 

Another option is to pay partially with miles and partially with cash by choosing flights that are eligible for the Pay with Miles feature. This takes some of the guesswork out of redemption values, since miles used this way are worth 1 cent each. You must redeem your miles in 5,000-mile increments, and each increment gets you $50 off your airfare. 

The Balance values each Delta mile at an average of 1.44 cents when redeemed for reward flights. Anything over 1 cent is considered a decent value in the world of rewards, though it’s worth noting that competitors such as American Airlines and United Airlines have miles worth 2.04 cents and 1.98 cents respectively, according to our latest analysis. 

You can also use miles to upgrade your seat to a nicer cabin, fly on more than 20 partner airlines booked through Delta, rent a private jet, or book vacation packages. Or, you can redeem them on gift cards, magazines, merchandise, or to make a donation to a charity. Chances are, though, you’ll get the most value by redeeming them for flights. For more information about using SkyMiles, see our guide to Delta's frequent flyer rewards program.

How to Get the Most Out of This Card

Keep in mind you can add up to 99 employee cards to this account with no additional fee. The extra spending on those cards can help you accumulate more miles and reach that $50,000 spending threshold to earn the maximum number of MQMs. Just note that additional cardholders are not eligible for perks of their own (like free checked bags and priority boarding) unless they are traveling with the main cardholder under the same reservation.

And don’t forget to take advantage of the annual companion certificate to squeeze even more value from the card.

If the complimentary upgrades and other perks that come with Medallion status aren’t your main goal, you may also want to consider pairing this card with another rewards card that offers a stronger earnings rate on non-Delta purchases.

Depending on what your business budget includes, how big it is, how often you fly, and how much you value traveling in comfort, other Delta credit cards may be better suited to you.

Platinum Delta SkyMiles Business Credit Card’s Excellent Perks

This card offers a lot of cardholder benefits, but some stand out for their exceptional value. The Platinum Delta SkyMiles Business Credit Card offers six perks our editors consider “excellent”:

  • Airline companion pass: When you renew your card on your membership anniversary, you’ll receive a companion certificate good for one domestic round-trip main cabin companion ticket. Fees and taxes are not included. 
  • Free checked bag: You won’t pay a baggage fee for your first checked bag, and neither will travel companions on the same reservation.
  • Priority boarding: You’re entitled to receive Main Cabin 1 priority boarding on Delta flights. Getting on early gives you a leg up when looking for that coveted overhead bin space. 
  • Global Entry/TSA Precheck application fee reimbursement: Cardholders can apply for one of these expedited airport clearance programs and be reimbursed for the application fee when the membership is up for renewal (roughly once every four years). The fee will be credited on your statement. Additional cardholders do not get this benefit.
  • Insurance coverage for lost luggage: If your baggage is lost or stolen, you can get up to $1,250 for carry-on baggage and up to $500 for checked baggage as long as your trip was paid for with the card.
  • Insurance coverage for trip delays: If you pay for your entire trip with this card and it’s delayed for more than 12 hours, you’ll get up to $300 per trip twice a year.

Platinum Delta SkyMiles Business Credit Card’s Other Features 

  • Discounts on in-flight purchases
  • Insurance for stolen or damaged purchases
  • Extended warranties 
  • Rental car collision insurance (secondary to your own policy) 
  • Travel and emergency hotline

Customer Experience

American Express earned the top spot (out of 11) in J.D. Power’s 2020 U.S. Credit Card Satisfaction Study. With many account management tools and a robust app, business owners can easily monitor employee cards and integrate transaction data with their bookkeeping. Customer support is always a call or click away as well, 24/7.

Security Features 

The security features on this card are on par with competitors.

Platinum Delta SkyMiles Business Credit Card’s Fees 

Beyond the annual fee, cardholders won’t have to worry about other common fees if they keep their accounts in good standing. And if your business travel takes you abroad, you don’t have to pay foreign transaction fees.

To see rates and fees for the Delta SkyMiles® Platinum Business Card, please see the following link: rates and fees.

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Delta SkyMiles® Platinum Business Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.74% variable
Annual Fee $250
Rewards Earning Rate Earn 3 miles per dollar on eligible purchases made directly with Delta and hotels. Earn 1 mile per dollar spent on other eligible purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. "Customers Losing Faith in Credit Card Issuers as COVID-19 Pandemic Lingers, J.D. Power Finds." Accessed Feb. 22, 2020.