Platinum Delta SkyMiles Business Credit Card Review

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The Platinum Delta SkyMiles Business Credit Card from American Express is designed for business travelers with a preference for Delta. It comes with a significant annual fee, but the travel benefits could prove valuable for those who use the card strategically.

Platinum Delta SkyMiles® Business Credit Card

overall rating
2.9
Platinum Delta SkyMiles® Business Credit 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 (%) 17.24% - 26.24% variable
Annual Fee $195 ($250 if your application is received on or after 1/30/2020)
Rewards Earning Rate Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Cash Advance APR (%) 26.74%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
Ratings Breakdown
for Interest
1.5
for Fees
2.7
for Rewards
3.9
for Credit
4.0

Earn 35,000 bonus miles after you make $1,000 in purchases on your new card within first 3 months, and a $100 statement credit after you make a Delta purchase with your new card within your first 3 months.

Top Rated For

  • Best Delta Credit Cards

Who is This Credit Card Best For?

  • Avatar for Entrepreneur Persona
    Is turning their passion into a money-making venture
    Entrepreneur
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker
  • Avatar for Savvy Saver Persona
    Prioritizes sticking to their budget while buying what they want and need
    Savvy Saver
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play
    Road Warrior

The Platinum Delta SkyMiles Business Credit Card is well-suited for business frequent flyers who usually fly Delta. Cardholders get a free checked bag, priority boarding, and a yearly companion certificate, which together outweigh the annual fee. 

The welcome offer and the Miles Boost features add even more value, providing not only bonus miles, but a boost in MQMs for those who aspire to Delta Medallion status.

Other travel rewards cards with similar annual fees come with higher earnings rates and more valuable sign-up offers, so to make this card worthwhile, it all comes down to an affinity for Delta, and making sure you take advantage of the perks.

Pros

  • Miles Boost

  • Companion certificate

  • Free checked bag

Cons

  • So-so rewards earning rate

  • No complimentary lounge access

Pros Explained

  • Miles Boost: Spend $25,000 and get 10,000 miles and 10,000 Medallion Qualification Miles (MQMs); spend $50,000 or more, and get another 10,000 miles and 10,000 MQMs on top of that. If you’re a big-time traveler, this level of spending can fast-track you toward coveted Delta Medallion status, which means more free flights and extra perks.
  • Companion certificate: Renew your card each year, and get a domestic round-trip main cabin companion ticket. Fees and taxes are not included, however.
  • Free checked bag: You can check your first bag for free and save up to $60 on a round-trip Delta flight. Reservation must include the Basic Card Member's SkyMiles number, with a maximum of up to nine waivers per reservation.

Beginning Jan. 30, 2020, Miles Boost will be renamed “Status Boost” and will not earn miles, only earn MQMs (10,000 MQMs after $25,000 of spending and another 10,000 MQMs after $50,000.)  

Cons Explained

  • So-so rewards earning rate: Considering that you’re paying $195 per year for the card (and $250 per year after Jan. 30, 2020), getting just 2 miles per $1 spent on Delta purchases, and just 1 mile for all other categories is limiting. Other comparable business travel rewards cards have this earnings rate beat.
  • No complimentary lounge access: Unlike the higher-level version of this card (the Delta Reserve for Business From American Express), there are no free passes to the Delta Sky Club lounge. However, the card does allow access for a fee: $29 per person, per visit ($39 beginning Jan. 30, 2020), which is one of the only ways to gain entry besides having a membership. (Delta no longer sells single visit passes.) Still, other airline cards with comparable or lower annual fees include free passes for lounges.

Beginning Jan. 30, 2020, you’ll earn 3 miles for every $1 spent on eligible Delta purchases and on hotels. You’ll also earn 1.5 miles per $1 on purchases of $5,000 or more.

Platinum Delta SkyMiles Business Credit Card Welcome Offer

Earn 35,000 Bonus Miles after you spend $1,000 on purchases within your first three months of account opening.

According to The Balance’s calculations, that offer could be worth $315 when miles are redeemed for Delta airfare. That’s not great, but it’s enough to pay for the annual fee. Plus, if you book a Delta flight in the first three months, you’ll get an extra $100 statement credit. 

Compared to similar travel business cards, though, this isn’t the best offer out there, with some sign-up bonuses valued at $1,000+.

One thing that makes the welcome offer more appealing is that you’ll also get 5,000 Medallion Qualification Miles (MQMs), which can help fast-track you toward Delta Medallion status. Earning tier status comes with even more travel perks including flight upgrades and complimentary Delta Sky Club lounge access (Gold Medallion and up).

Delta’s status system can be confusing. MQMs normally represent the total distance you’ve flown within a calendar year; MQSs are the number of flights you take; MQDs are the dollars spent. For Silver status (the first tier), you need to earn 25,000 MQMs (or 30 MQSs) plus 3,000 MQDs (the amount spent on flights). Earning the Welcome Offer plus both Miles Boosts on your Platinum Delta SkyMiles Business card will fulfill the MQMs portion.

Earning Points & Rewards

There’s nothing complicated about earning miles. Delta purchases, including flights, in-flight food and beverages, seat upgrades, Sky Club membership, and more all earn 2 miles for every $1 you spend. All other purchases earn 1 mile per $1.

You can add up to 99 employee cards to this account (and there’s no additional fee to do so)—that’s extra spending that can help you accumulate more miles.

Cardholders will get a 20% discount, issued as a statement credit, on purchases of in-flight food and beverages, pre-packaged snacks and meals, and audio headsets.

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 rewards flight. 

Another option is to pay partially with points and partially with cash. If you choose this, you must redeem your miles in 5,000-mile increments, with a 5,000-mile minimum to start. Delta values miles used this way at 1 cent each, so 5,000 miles will get you $50 off your airfare. 

The Balance’s analysis values each Delta mile at 0.9 cent each when redeemed for airfare.

Although you can choose to use your miles on other purchases including magazines, merchandise, or to make a donation to a charity, note that the point value with those purchases might be worth more or less than the standard 0.9 cent per mile on flights. 

How to Get the Most Out of This Card

Earning the welcome offer shouldn’t be too difficult since just a $1,000 spend is required in the first three months. Of course, the more you spend, the more miles you will accrue, so it’s a good idea to put those additional employee cards to good use so you can rack up miles and earn Miles Boost offers. If you’re chasing Medallion status, you don’t want to miss out on those MQMs.

Also, don’t forget to take advantage of the waived checked bag fees when you fly, and use your annual companion certificate to squeeze even more value from the card.

Still, neither of this card’s earnings rates is spectacular. Unless you’re determined to use the card to help gain Delta SkyMiles status, we’d suggest pairing this card with another rewards card that offers a stronger earnings rate on non-Delta purchases.

Depending on your level of Delta spending (and the level of your determination to reach SkyMiles status), there are other Delta credit cards you may choose with higher or lower annual fees, so it’s also smart to think about your card usage before you apply.

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 five 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, however.
  • Free checked bag: You won’t pay a baggage fee for your first checked bag, and neither will up to eight travel companions.
  • Priority boarding: Card Members are entitled to receive Main Cabin 1 priority boarding on Delta flights. This perk is limited to basic card members (not additional card members). 
  • Travel Accident Insurance: Get up to $100,000 in benefits for accidental death or dismemberment that occurs while traveling on a common carrier that you booked with this card.
  • 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.

Platinum Delta SkyMiles Business Credit Card’s Other Features 

  • Discounts on in-flight purchases 
  • Rental car collision insurance (secondary to your own policy)
  • Insurance for stolen or damaged purchases
  • Extended warranties
  • Refund when merchant won’t accept returned item
  • Travel and emergency hotline
  • Roadside assistance hotline

Customer Experience

American Express once again earned a second place ranking (out of 11) in JD Power’s 2019 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. American Express does also offer free credit scores and other credit monitoring tools via its MyCredit Guide tool. 

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.

For Platinum Delta SkyMiles® Business Credit Card

Compare This Card

See how this card stacks up to the competition
CURRENT CARD
Platinum Delta SkyMiles® Business Credit Card
overall rating
2.9
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 (%) 17.24% - 26.24% variable
Annual Fee $195 ($250 if your application is received on or after 1/30/2020)
Rewards Earning Rate Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on 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.