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The Platinum Delta SkyMiles® Business Card from American Express is meant for small business owners who fly with Delta every year. Anyone who’s already spending around $3,000 or more with Delta per year could find some real value here, as it provides a way to spend less and have a better time while away from home.
Cardholders will become basic Delta members, which comes with 5X miles per dollar spent with Delta. But this card provides an additional 2X miles for those purchases, bringing it up to 7X miles per dollar at Delta. That can be the equivalent of around 8.75% cash back, depending on how you redeem those miles. And you could get even more than that by earning Medallion Qualification Miles (MQMs) and reaching a higher Delta member status.
There are some Delta-specific perks included, like discounted access to Delta Sky Clubs. Priority Boarding will get you on the plane faster, and your first checked bag will always be free on Delta flights. A yearly companion ticket and a 20% discount on inflight purchases will further lighten the load on your wallet.
This is a business card, so it comes with Amex’s suite of OPEN business benefits. This includes a special customer support team, along with handy expense reporting and account management features.
There are two other business credit cards co-branded with Delta. One has a lower annual fee and is meant for less travel spending, while the other has a higher fee and is meant for more spending. They all offer 2X miles per dollar, although the more expensive cards have slightly better perks. The Platinum sits in the middle.
|Gold Delta SkyMiles® Business Credit Card from American Express||$95 (waived the first year)|
|Platinum Delta SkyMiles® Business Credit Card from American Express (this review)||$195|
|Delta Reserve for Business Credit Card||$450|
There’s also a line of three consumer credit cards that are co-branded with Delta. The equivalent of this card is the Platinum Delta SkyMiles Credit Card from American Express (Review). These cards are almost exactly the same, though some benefits are different and you can’t use the business version for balance transfers.
Our Rating: 4 out of 5 Stars
We give the Platinum Delta SkyMiles Business card 4 out of 5 Stars because frequent Delta travelers can get some pretty good rewards and benefits. But you might find the annual fee to too high for the features you get, depending on how much you travel.
Why we like this card
- Earn miles for Delta purchases
- Redeem miles for Delta flights or with an airline partner
- Several time and money saving perks
- A fast track to earning a higher Delta member status
- Access to Delta Sky Club lounges for a reduced fee
- Improve your business credit
- No foreign transaction fees
Why this card could be better
- You’ll need to pay an annual fee, which might seem a bit high for the value you get
- You won’t get automatic Medallion status with Delta, you’ll need to earn it (but basic member status is included)
- Your miles won’t be worth as much if you can’t find a saver award flight
- It only reports positive card activity to one business credit bureau, which is a bit limited compared to some other cards
The Platinum Delta SkyMiles Business Card might be right for your level of spending and traveling. But you also have other card options to check out, some cheaper and some more expensive. Learn about some of those other travel business cards below.
Insider Advice: Using This Card as Part of Your Credit Card Strategy
- You’d only need this card if you fly with Delta often, spending around $3,000 per year. If that doesn’t sound like you, try a different airline or travel card.
- This card is good for spending with Delta, but for other purchases you’ll want to use a different rewards card to get a better value.
- Get your introductory bonuses by spending $1,000 and making a purchase from Delta in the first 3 months (35,000 bonus miles, 5,000 Medallion Qualification Miles (MQMs), and a $100 statement credit).
- Earn even more miles with the Miles Boosts. Spend $25k in a year to get 10k bonus miles and 10k MQMs, and another $25k to get the same bonus again.
- Spend with Delta to make fast progress towards an elite Medallion status.
- If you’re planning to pay for a trip using miles, be aware that they’ll take 8-12 weeks to show up in your Delta account.
- Look for Delta saver award routes to get a better value for your miles.
- Take advantage of your discounted access to Delta Sky Clubs, at $29 each for you and up to two guests.
- Save money every year with your annual companion ticket certificate, starting after you complete your first year with the card.
- You’ll improve your business credit at Small Business Financial Exchange with this card, as long as you use it responsibly.
- Be aware that business credit cards are different from consumer credit cards in some important ways.
Cardholders will be able to easily earn up to about 8.75% cash back using this card, when spending and redeeming miles in a certain way. If you can upgrade your member status to a Medallion tier you’ll be able to get an even better deal than that.
- 7X or more SkyMiles per dollar for eligible purchases made directly with Delta (enter your SkyMiles number when making purchases)
- 2X SkyMiles per dollar for using the Platinum Delta SkyMiles card
- 5X or more SkyMiles per dollar for being a Delta SkyMiles member
- 1X SkyMile per dollar on all other eligible purchases
- Introductory bonus: 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) for spending $1,000 in the first 3 months after account opening
- Introductory bonus: $100 statement credit after making your first Delta purchase within 3 months after account opening
- Miles Boost: 10,000 bonus miles and 10,000 MQMs for spending $25,000 or more in a calendar year
- Miles Boost: an additional 10,000 bonus miles and 10,000 MQMs for spending a total of $50,000 or more in a calendar year
As you can see, you’ll be able to earn a minimum of 7X miles per dollar. That’s because you’ll get 2X miles from this card. And when you’re approved you’ll also become a basic Delta member, which provides 5X miles when spending with Delta.
Those MQMs can be used to raise your member status, which will provide even more points per dollar (up to 11X at the most).
The value you get for your miles will vary a bit depending on how you redeem. In most cases you can expect to get about 1.25 cents per point. At that value, you’d be earning the equivalent of about 8.75% cash back for Delta purchases. Other purchases will provide just 1.25% cash back.
Those 70,000 bonus miles you can earn would be worth $875, if you redeem them at the 1.25-cent value.
Any miles you earn will be posted to your Delta SkyMiles account within 8 to 12 weeks after the end of each month. So plan ahead if you want to pay for a trip using miles.
Delta purchases eligible for the 7X rate are those for which Delta is the merchant of record. That covers most of the situations that you would expect:
- Purchases through delta.com, phone reservations, or ticket counters
- Delta Sky Club membership or passes
- Pre-purchased meals and in-flight purchases of food, alcohol, and audio headsets on Delta-operated flights
- Delta Vacation® packages (but not other all-inclusive packages)
Other expenses that are not provided specifically by Delta will not be eligible for the 7X category. Notably, WiFi bought in-flight is not included because this is provided by a third party (called Gogo).
The rewards program is all about spending with Delta, where you’ll earn a significant number of miles per dollar. For other purchases you’ll be better of using a different card, like another business travel card or a business reward card. A good option for that, with bonus reward categories for certain business expenses, is the Business Gold Card from American Express. You’ll even be able to transfer the points you earn to Delta if you’d like.
The primary way to redeem your miles will be for Delta Award Flights. But you’ll also be able to use those miles with a number of airline partners, listed below. There are no blackout dates on award miles.
Your miles will be worth about 1.25 cents each for most redemptions. Generally, the cheaper the ticket, the better your point value will be. But Delta also provides saver award routes, where you can find better deals typically around 1.4 cents per mile or more.
There are quite a few airline partners you can redeem with, giving you what should be plenty of options in most situations. You can book award flights with most of the partners online at Delta, but in several cases you’ll need to contact Delta Reservations.
|Aeroflot||Aerolineas Argentinas||Aeromexico||Air France||Alitalia|
|China Airlines||China Eastern||China Southern||Garuda Indonesia||GOL|
|Great Lakes||Hawaiian Airlines||KLM Royal Dutch Airlines||Jet Airways||Mandarin Airlines|
|Korean Air||Saudia Airlines||Middle East Airlines||Tarom Airlines||Shanghai Airlines|
|Virgin Atlantic||Vietnam Airlines||WestJet||Virgin Australia||
|Contact Delta Reservations by Phone|
|Air Europa||Air Tahiti Nui||Czech Airlines||Kenya Airways|
You can redeem your miles with Delta or any of the partners in the same way. When looking for flights, just make sure the option to search both Delta and Partner Airlines is selected. This option will appear after you select “Miles” in the advanced search. It will probably be selected by default, but it’s good to check.
Let’s walk through a typical point redemption example. Imagine you need to fly from Albany to South Dakota for a business meeting, and to check out Mount Rushmore for fun.
We’ll see what your points will be worth for three different flight classes. As you’ll see, you’ll get the best cash back percentage from the Delta Comfort+ class. But it’s only slightly better than Main Cabin.
The lowest class you can redeem for is Main Cabin, and this would take 73,000 miles plus an $11.20 fee. The same seat would cost $927.70 if you paid for it normally.
You could earn those 73,000 miles by spending $10,429 at the 7X rate. Then you could redeem those miles for the award flight.
Here, your miles are worth about 1.27 cents each. The overall cash back equivalent you’d get for this deal is about 8.9%, after accounting for the fee, which isn’t too shabby at all.
Total spend: $10,429 + $11.20 = $10,440.20
Cash back equivalent: $927.70 is about 8.9% of $10,440.20
Delta Comfort+ is the next step up. A seat here would usually cost $1,085.70, or it could be yours for 84,000 miles with an $11.20 fee.
Earning that many miles would require $12,000 in spending at the 7X rate.
So here your miles are worth about 1.29 cents each, a bit more than the Main Cabin example. The cash back equivalent is about 9%.
Total spend: $12,000 + $11.60 = $12,011.60
Cash back equivalent: $1,085.70 is about 9% of $12,011.60
A first class seat will cost you $1,338.80, or 110,000 miles with an $11.20 fee.
It would take you $15,715 in spending at the 7X rate to earn those miles. Then you can kick back in First Class.
For this seat, your miles are worth about 1.22 cents each, which is actually a step down from Delta Comfort+. Your cash back equivalent here is 8.5%.
Total spend: $15,715 + $11.60 = $15,726.60
Cash back equivalent: $1,338.80 is about 8.5% of $15,726.60
How to Offset the Annual Fee
You’ll need to pay a $195 annual fee with this card, so you should aim to earn enough miles to offset that fee each year. How much would you need to spend to do that?
The amount you need to spend will depend on the rate at which you earn miles (7X or 1X), and the value you get when you redeem them. Assuming you’re getting 1.25 cents per mile, here’s how much you’d need to spend at each rate:
|Required Spending to Offset Annual Fee|
|At the 7X rate||$2,229|
|At the 1X rate||$15,600|
So the minimum required spending at the 1.25-cent value would be $2,229. If you manage to redeem at a higher value, it won’t take as much spending. And if you redeem at a lower value, it will take more spending.
You’ll want to spend more with the card than this, of course, so you actually profit from the rewards rather than just offset the annual fee.
Remember that you’ll also get two pretty good signup bonus offers. Those two deals could provide about $975 in value together, which would offset the annual fee for five years. And you can earn even more miles through the Miles Boost offers.
The benefits you get will include airline perks with Delta, along with a set of benefits provided by American Express. Amex OPEN business services are included too, which are probably the best business-oriented benefits you’ll find from any card issuer.
Basic Delta Member Status
When approved for this card, you’ll become a basic Delta member. This comes with 5X miles per dollar spent on Delta-marketed flights. That’s in addition to the 2X miles per dollar you’ll earn with this card, so basic members will get a total of 7X miles per dollar when spending with Delta.
Take note that partner flights will provide miles at a different rate.
Many co-branded airline and hotel credit cards will include membership in some sort of program, usually at the most basic level. Check with the airline for details about any membership you might receive, because this may not be included with your credit card information.
Medallion Member Status with Delta
You’ll have three different ways to reach a higher Medallion member status with Delta using this card.
You can earn:
- Medallion Qualification Miles (MQMs): based on how far you travel with Delta, and your fare class
- Medallion Qualification Segments (MQSs): based on the number of flights you take
- Medallion Qualification Dollars (MQDs): based on your annual spending with Delta and certain partner airlines
Higher status levels will come with more miles per dollar on Delta purchases, complimentary ticket upgrades, and lots of perks like preferred seats, fee waivers, and priority check-in. There are four different elite member tiers you can reach, and you must fulfill both the first and second requirement. We’ve included the basic member level here for comparison.
|Membership Tier||First Requirement||Second Requirement||Miles Earned|
|Basic||–||–||5X miles per dollar|
|Silver||25,000 MQMs or 30 MQSs||$3,000 MQDs or MQD Waiver||7X miles per dollar|
|Gold||50,000 MQMs or 60 MQSs||$6,000 MQDs or MQD Waiver||8X miles per dollar|
|Platinum||75,000 MQMs or 100 MQSs||$9,000 MQDs or MQD Waiver||9X miles per dollar|
|Diamond||125,000 MQMs or 140 MQSs||$15,000 MQDs or MQD Waiver||11X miles per dollar|
The MQD Waiver is described below.
After earning a particular status level, it will be valid for the remainder of the year plus the next calendar year. After reaching Silver status, any MQMs you earn above the qualification threshold will roll over to the next year.
Airline cards won’t usually automatically give you an elite status. You’ll usually just get the basic membership like with this card, and you’ll need to work your way up.
Medallion Qualification Dollar Waiver
Cardholders can bypass the MQD requirement described above by spending a certain amount with the card in a calendar year.
To qualify for an MQD Waiver for Silver, Gold, or Platinum status, you must spend at least $25,000 on eligible purchases with the card in a year.
To qualify for an MQD Waiver for Diamond status, you must spend at least $250,000 on eligible purchases with the card in a year.
First Checked Bag Free
You and up to eight traveling companions will get your first checked bags free when flying with Delta. The first checked bag will normally cost $25 per person, so this perk has the potential to save you quite a bit of money if you fly often.
There are some terms and restrictions, however:
- You must include your SkyMiles number in your reservation when booking the flight.
- This waiver only applies to flight segments which originate on a Delta or Delta Connection carrier.
- You must check-in with Delta.
- This waiver only applies to bags that are not overweight or oversize.
This is a common benefit to find on airline credit cards. The Southwest Airlines® Rapid Rewards® Premier Business Card goes a step further and provides free first and second checked bags.
Annual Companion Certificate at Renewal
This benefit only begins after you’ve used the card for one year. In your renewal month, you’ll receive a companion certificate you can use for the purchase of select adult round-trip fares on Delta flights. Then you will get another certificate once per year on every renewal month going forward. This will let you bring someone else along for free, saving you hundreds of dollars per year.
As you’d expect, there are a number of terms and restrictions you’ll need to abide by:
- The certificate is valid for one round-trip Main Cabin companion ticket.
- You must purchase a primary ticket and companion ticket on the same reservation, for the same flight, date, and time.
- The certificate is valid for published flight routings within the 48 contiguous United States.
- U.S. residents outside the 48 contiguous states must originate flights from there to the contiguous states to be eligible.
- The trip must be booked and completed by the expiration date on the companion certificate.
- The certificate is eligible on Delta, Delta Connection carrier, and Delta Shuttle flights only.
- A maximum of $75 in applicable government-imposed taxes and fees will apply, depending on the number of flight segments included.
- This offer may not be combined with any other offers or discounts (but the first checked bag waiver will still apply).
- Companion certificates are eligible for Medallion Complimentary Upgrades on certain flights.
Additional terms will apply. If you’re not sure if your companion certificate will be eligible for a certain reservation, contact Delta’s customer support.
Several other airline cards offer companion tickets. Besides the other Delta Business cards, you’ll also find it on the CitiBusiness®/AAdvantage® Platinum Select® World Mastercard® (Review), for example, and several others.
You and up to eight passengers on the same reservation will receive Zone 1 Priority Boarding on Delta flights. You must include your SkyMiles number on the reservation.
Priority Boarding is available on Delta and Delta Connection carrier operated flights. It is not available on Delta Shuttle flights.
This type of perk is available on some airline and travel cards, but not all. The other two Delta Business cards each have it, for instance, but the Southwest Airlines Rapid Rewards Premier Business does not.
Discounted Delta Sky Club® Access
The cardholder and up to two guests can enter Delta Sky Clubs for a discounted fee of $29 per person. Children under two years of age can enter for free.
Club perks include a healthy menu, complimentary alcohol and WiFi, meeting spaces and office equipment, showers, and a place to relax.
- The entry fee must be paid with the Platinum Delta card.
- Cardholders must be 21 or over to access any Club with a self-service bar, unless accompanied by a parent or legal guardian accessing the Club in the same discounted way, or as a Club member.
- Sky Club access is not transferable to any other airport lounges.
- The particular amenities you get may vary by Club location.
- Meeting rooms can be reserved in advance for a fee.
If you travel a lot and airport lounge access is important to you, there are some other credit cards that offer lounge access for no fee. The Hilton Honors American Express Business Card (Review), for example, provides 10 annual passes to Priority Pass Select lounges. That card has a $95 annual fee. And the Amex Business Platinum Card (Review) includes unlimited free access to a variety of different lounge brands, but it’s made for serious travelers with a $595 annual fee. The most expensive travel cards usually come with complimentary access like this.
20% Savings on In-Flight Purchases
Cardholders get a 20% discount on eligible in-flight purchases made on Delta-operated flights. The purchases must be made using the Delta SkyMiles card. This discount will be applied as a statement credit, six to eight weeks after the transaction is posted to the account.
Eligible in-flight purchases are those provided or serviced by Delta:
- alcoholic beverages
- certain pre-purchased meals provided by Delta
The discount will not apply to purchases of in-flight wireless internet access, associated services, or charitable contributions. These services are provided by a third party, not Delta.
Many airline cards will offer an in-house discount like this. The JetBlue Business Mastercard provides cardholders with a 50% discount on eligible inflight purchases, one of the better deals available.
You can get up to 99 employee cards, and they will all be free. Individual spending limits can be set for the cards. Take note that there are certain purchases where the spending limit won’t apply, like restaurant tips and extended hotel stays.
The primary cardholder is responsible for all charges made to the account. The card activity will not affect the credit of employees using copies of the card.
If you have many employees traveling frequently you’ll be able to earn way more miles, more quickly. But take note that some of the extra benefits of this card will be restricted to the primary account holder only. Check your Guide to Benefits or contact customer support for details.
Pretty much every business card offers free employee cards to go along with it, even other airline cards. Credit card companies just love it when you spend more.
Reports to Business Credit Bureaus
All American Express business credit cards will report your card activity to the credit bureaus in the same way. They let you improve your business credit, although there are also consequences for irresponsible behavior.
As long as your account is in positive standing, the activity will be reported to Small Business Finance Exchange. This is a large and commonly-used business credit reporting bureau.
But if your account enters a negative status, such as having unpaid collections or unpaid charge-offs, the activity will be reported to other bureaus. An account with a negative status will be reported to:
- Dun & Bradstreet
So your positive activity will be reported to one business credit bureau. But your negative activity will be reported to a different business credit bureau, plus the typical consumer credit reporting agencies.
This means you can use the the Delta SkyMiles Business card to improve your business credit, but not your personal credit. However, you can still hurt your personal credit with it.
Business credit cards from different issuers will report your card activity to different credit bureaus. The Capital One Spark Cash Business Cards are known for reporting card activity to more business credit bureaus than usual, making them good cards for building business credit.
You’ll have access to discounts at a wide variety of merchants — currently there are about 80 different offers available, and the selection changes now and then.
You just need to head to the Amex Offers program and click ‘Add to Card’ for the deals you want. Then, just use your card as you normally would to make a purchase with that merchant. Your savings will appear as a statement credit later on, reducing your account balance. You may or may not earn additional rewards at the regular rate — this will depend on the particular offer.
Many of the deals can be quite valuable, saving you from $5 up through more than $100 in some cases. For most of them, you’ll need to spend a certain amount to get a certain discount. Some of the current offers include:
|Merchant||Need to Spend||Cash Back||Maximum Savings|
|Gordon Biersch Brewery Restaurants||$30||$10||33.33%|
|White House Black Market||$100||$30||30%|
|Rent the Runway||$100||$20||20%|
There are many fantastic deals waiting to be had here, though many other credit card issuers will offer a similar service. For example, Chase provides the Chase Ultimate Rewards portal, Bank of America has its BankAmeriDeals offers, and Citi has the EasyDeals service. You’ll find a range of discounts in all of them.
Amex OPEN Relationship Care® Service
Call the number on the back of your card to speak with a specially-trained, business-oriented customer support representative. Based on our experience, this will be a cut above the typical customer support you’ll get with an Amex consumer card.
Designate a trusted Account Manager to manage your account. Must be at least 18 years old.
A tool to help manage your spending throughout the year. Allows you to add receipts and notes to transactions, making tax time easier.
Connect to QuickBooks®
Provides an easy way to label and transfer your transaction data into a QuickBooks account.
This card comes with several other benefits, along with some shopping and travel protections that could come in useful too. They include:
- Entertainment Access, with invitations to exclusive live events around the world
- Preferred Seating at select events
- Purchase Protection to cover eligible items against damage and theft
- Return Protection to provide a refund if the merchant won’t let you return an item
- Baggage Insurance Plan to cover your eligible lost, stolen, or damaged bags
- Roadside Assistance Hotline for help if you ever get in trouble while on the road
- Zero-Liability Protection so you won’t be held responsible for unauthorized charges
Check out the full set of benefits for the Amex Platinum Delta SkyMiles Business Card. And be sure to see your Guide to Benefits for more details.
The Costs & Fees
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|17.99%–26.99% Variable||None||27.49% Variable|
|Annual Fee||Foreign Transaction Fee||Balance Transfer Fee||Cash Advance Fee|
|$195||None||None||3%, $5 minimum|
|Penalty APR||Late Fee||Returned Payment Fee|
|29.99% Variable||Up to $38||Up to $38|
The terms are pretty simple, as far as credit cards go. If you carry a balance from month to month you’ll be charged interest at the rate above. But you can avoid being charged interest by paying your balance in full each month. This is a good strategy to avoid future credit card debt and improve your overall credit utilization.
You won’t have to worry about extra fees on foreign transactions, so you can use this card to book your travel and when you land outside the U.S. Most travel cards share this feature. Other cards can be used outside the U.S. but you’ll typically be charged a fee of about 3%.
That $195 annual fee will need to be paid in your renewal month every year. As described above, you can offset that fee by spending as little as $2,229 per year.
|Amex OPEN Business Customer Support||1-800-492-3344|
|Pay Bill by Phone||1-800-472-9297|
|Check Application Status||1-800-567-1085|
|Credit Bureau Unit||1-800-874-2717|
American Express provides business cardholders with their OPEN set of benefits. That includes a dedicated customer support team, trained to help with your business needs as part of their Relationship Care service.
This should be a cut above the typical service you would expect from Amex, although they’re already seen as having about the best customer support among all the major credit card issuers. American Express just came in first in J.D. Power’s recent Credit Card Satisfaction Survey, from 2017. It has been coming in either first or second since the survey began in 2007, usually battling it out with Discover.
You can give them a call if you have some questions or concerns about your account. For any complicated business-related matters you should probably contact them by phone, but for easy questions you could try their web chat, described below.
You can learn a lot about the Platinum Delta SkyMiles Business Card through American Express’s website, but you might have a tough time getting a clear idea of all the features. Most of the major rewards and benefits are there, but you’ll have to go hunting in the terms and conditions if you want a full explanation.
If you’re unclear about all the rewards and benefits that your card offers, check the documentation that came with your card, especially the Guide to Benefits.
Anyone can contact Amex at their Twitter customer support account, @AskAmex. Never reveal your personal or account information on Twitter, or any other public forum.
As an Amex cardholder you can access their live web chat, which could be simpler and faster than calling them, depending on your issue. And they have a screen-share feature that can let an Amex rep guide you to a particular web page or through a procedure.
The Bottom Line
The Platinum Delta SkyMiles Business Card from American Express can offer a pretty good value to anyone who flies with Delta frequently. If you’re spending around $3,000 or more on air travel for your business per year, you could offset the annual fee of this card and earn some profit on top of that.
You’ll start off earning 7X miles per dollar as a basic Delta member, but if you can reach a Medallion status tier your rewards potential will improve. Try to use the fast track to elite member status, if possible, to get the most out of your Delta membership.
Use the extra benefits whenever you can to help offset the annual fee, and have a better time while traveling. If you’re spending about $3,000 per year, that should give you quite a few opportunities to get free checked bags, discounts on inflight purchases, and enjoy lounge access before priority boarding.
The business benefits will make it easier to manage spending, for yourself and your employees, and they can make tax season a bit simpler. If you have a problem with your account, American Express has a solid team ready to help. And you’ll be able to improve your business credit too.
There are two other business credit cards for flying with Delta, one for less spending and one for more. Check them out below, along with some other business travel cards you can use to earn rewards for different kinds of purchases.
How to Apply for the Platinum Delta SkyMiles Business Card
You can apply for this card securely on the American Express website. They will check your credit reports with the three major credit bureaus when you apply.
Many applicants will get an instant decision in just a few seconds. But in some cases it may take longer. You can check the status of your application any time after you apply.
Qualifications and Requirements
- Must be 18 to apply
- Personal identifying information, including SSN, email address, and phone number
- Total annual income, and source of income
- Delta SkyMiles number (if already a member)
- Your business’s legal name and Tax ID number or EIN (Employer Identification Number)
- Years in business
- Number of employees
- Annual business revenue/sales
Alternatives to the Platinum Delta SkyMiles Business Card
- Gold Delta SkyMiles® Business Credit Card from American Express: Lower annual fee, 7X miles at Delta to start, similar benefits
- Delta Reserve for Business Credit Card: Higher annual fee, 7X miles at Delta to start, better perks and benefits
- JetBlue Business Mastercard®: $99 annual fee, 12X miles or more with JetBlue, airline-specific benefits
- American Express® Business Gold Card (Review): $295 annual fee; 4X points in the two categories your business spends the most in
If you don’t spend enough to make the Platinum version worth the cost, you might like the Gold Delta SkyMiles® Business Credit Card from American Express. It has a lower annual fee at $95, and it’s even waived for the first year. But a major difference is that you won’t get the Miles Boost bonuses, so it will be harder to reach a Medallion member tier. If you don’t care about getting that, this card could definitely be a better option.
- 7X or more SkyMiles per dollar for purchases made directly with Delta
- 2X SkyMiles per dollar for using the Platinum Delta SkyMiles card
- 5X or more SkyMiles per dollar for being a Delta SkyMiles member
- 1X SkyMile per dollar on all other eligible purchases
- Introductory bonus: 30,000 bonus miles for spending $1,000 in the first 3 months after account opening
- Introductory bonus: $50 statement credit after making a Delta purchase within the first 3 months
So you’ll still be getting 7X miles per dollar at Delta, despite having a lower fee. And the miles will have the same value when you go to redeem them.
The main differences here are the introductory bonuses, and the lack of Mile Boost offers. Other than that, they’re pretty much the same.
All of the benefits are identical for these two cards. That includes all the airline perks and the benefits provided by Amex, business and otherwise.
It seems a bit odd to have all the same benefits for these cards, given the difference in annual fees. Basically, when it comes to the difference in value between these cards, it’s all about the Miles Boost offers.
Costs & Fees
The Gold Delta SkyMiles Business has an annual fee of only $95, waived the first year. So you’re paying $100 less than the Platinum version, but getting almost the same rewards and benefits.
You can offset this fee by spending $1,086 with the card, if you earn and redeem in the way explained previously. As mentioned above, this card is better for people who spend less with Delta and don’t care about earning a Medallion member status.
On the higher end, the Delta Reserve for Business Credit Card will cost $450 per year. As such it’s only meant for people who spend even more with Delta, and could make use of a card with a higher fee than the Platinum version.
The rewards and benefits are only slightly better with this card, making it a bit easier to reach a Medallion member status. If you’re using this card you should definitely aim to get a Medallion status to help make this card worth the fee.
- 7X or more SkyMiles per dollar for purchases made directly with Delta
- 2X SkyMiles per dollar for using the Delta Reserve for Business Card
- 5X or more SkyMiles per dollar for being a Delta SkyMiles member
- 1X SkyMile per dollar on all other eligible purchases
- Introductory bonus: 40,000 bonus miles and 10,000 Medallion® Qualification Miles for spending $3,000 in the first 3 months after account opening
- Miles Boost: 15,000 bonus miles and 15,000 MQMs for spending $30,000 or more in a calendar year
- Miles Boost: an additional 15,000 bonus miles and 15,000 MQMs for spending a total of $60,000 or more in a calendar year
The rewards program is almost the same as the Platinum version, providing just as many miles per dollar.
But cardholders will get slightly better introductory and Miles Boost bonuses, making it easier to reach a Medallion status. This is the main focus of this card, and in our opinion it’s the primary reason to get it over the Platinum version.
The Delta Reserve for Business’s benefits are pretty similar to what you’ll get with the Platinum version of the card. Some of them are upgraded, like complimentary access to Delta Sky Clubs, instead of being charged a fee. Guests will still need to pay a $29 fee each. The companion ticket you get will be good for First Class and Delta Comfort+, in addition to Main Cabin.
In addition, Reserve cardholders also get access to the Sky Priority security line at participating airports, for expedited processing through screening. There’s also a personal concierge you can call for assistance making reservations, getting travel information, and other non-emergency tasks.
The benefits aren’t very different between these two cards, overall, unless you’re planning on spending a lot of time in Delta Sky Clubs. If that’s the case this card could save you quite a bit of money over the years.
Costs & Fees
You’ll need to pay $450 per year for the Delta Reserve for Business, so you should be sure to use it enough to make it worth that fee.
You’ll need to spend $5,143 with Delta to earn enough miles to offset the fee for one year, so if that’s in your spending range this card might be right for you. But you’ll want to spend more than that to make this card actually profitable. That assumes you’re getting miles at the 7X rate.
This card is made for more spending than the Platinum version, which means more trips with Delta. If you use this card be sure to get all you can from it by using the benefits and earning a Medallion status, so you can get more miles per dollar and have a more comfortable time while traveling.
The JetBlue Business Mastercard®, issued by Barclays, is an example of a card that’s co-branded with a different airline. It offers a similar rewards program and set of benefits, but it’s made for small business owners who prefer flying with JetBlue.
- 9X points or more per dollar spent on eligible flights purchased directly from JetBlue
- 6X points per dollar for using the card
- 3X points per dollar or more for booking JetBlue flights online
- 2X points per dollar spent at:
- office supply stores
- 1X point per dollar spent on all other purchases
- Introductory bonus: 30,000 bonus points for spending $1,000 in purchases in the first 90 days after opening the account
- Anniversary bonus: 5,000 bonus points after your cardmember anniversary, every year
- Redemption bonus: get 10% of your points back every time you redeem
- Getaway Vacation Offer: $100 statement credit for each year in which you purchase a JetBlue Getaways vacation package
This card will start out providing at least 9X points per dollar on JetBlue flights. That’s for Blue and Mint-level fares. Blue Plus fares will earn an extra point per dollar. And Blue Flex fares will earn another point on top of that, for a total of 11X per dollar.
Your points will be worth around 1.2 cents each with this card, although that will vary depending on how you redeem them. Those 30,000 bonus points you can earn would be worth about $360 at that value.
We’ve calculated that this card can provide the equivalent of around 12–13% cash back or better on many flights, after accounting for fees and the 10% redemption bonus, which is quite a good value. That assumes you earn at the 9X rate.
If you spend $50,000 in a given year with this card you’ll be granted JetBlue Mosaic status, which comes with an extra 3X points per dollar. If you earn more miles per dollar with Mosaic status or by booking flights at the Blue Plus or Blue Flex level, you’ll get a better cash back equivalent.
There are a couple nice features on this card that will make your trips cheaper and more comfortable.
They include a 50% discount on eligible inflight purchases, which is better than the 20% discount you’d get with the Platinum Delta Business card. Your first checked bag is free for you and up to three companions.
That’s about it for the extra perks. You’ll have a few business-related benefits, like the ability to get and control spending on employee cards. But they’re nothing too special, especially compared to the Amex OPEN business benefits you get with the Platinum Delta Business.
You won’t get a ton of extra benefits from this card, but the real value of it will come from the point-earning potential you’ll have. By maximizing your miles per dollar and taking advantage of the bonus offers, you should be able to get quite a lot out of this card.
Costs & Fees
At only $99 per year, it shouldn’t be too hard for frequent JetBlue flyers to make this card worth the annual fee. It would require only about $917 in spending to earn enough points to offset the fee for a year, if you earn at the 9X rate described above.
So it won’t take a whole lot of spending to make this card worthwhile, especially if you can earn at a better rate by booking higher class fares. You won’t be charged foreign transaction fees with this card. If JetBlue is the airline for you, the JetBlue Business Card is definitely an option to consider seriously.
If you prefer a different airline, check to see if they offer a co-branded card as well. Or keep reading to learn about another business card, that will provide rewards for spending at a variety of different airlines and on other travel expenses.
The American Express® Business Gold Card (Review) isn’t affiliated with any one particular airline. Instead, you can use it to earn Membership Rewards points for many different kinds of purchases, including travel and business.
So you’ll earn 4X points in the two categories that your business spends the most in every month, meaning this card will adjust to fit the changing spending habits of your business throughout the year. This rewards program covers quite a few different business expenses, as well as many travel options. You’ll earn points when spending with any airline through Amex Travel, and you can use that service to book not only flights but also hotels, car rentals, and cruises.
This gives you more flexibility than a co-branded airline card, letting you earn points for more than just airline spending. The most valuable normal way to redeem the Membership Rewards points you earn will actually be for airline flights, so in that sense it’s similar to an airline card. But you’ll be able to redeem those points with a variety of different airlines.
You’ll get a maximum value of 1 cent per point when redeeming like that, which means you’d be earning up to 4% cash back in the 4X categories. Points can also be transferred to a variety of travel partners, including Delta SkyMiles, where they might be worth more to you. But the value you get will depend on the particular point transfer, and how you use them after transferring.
You may find deals providing as much as 2 cents per point or more through point transfers. That’d give you a cash back equivalent of 8% when spending in the 4X categories.
So it’s not as directly rewarding as an airline card, but it provides a way to earn more points for more types of purchases.
This is an Amex business card, so it has many of the same benefits that you’ll get with the Platinum Delta SkyMiles Business card. That includes all the Amex OPEN business benefits. But none of the Delta-specific features are provided by the Gold card.
You’ll also get two very valuable perks: up to $2,988 in statement credits for ZipRecruiter, and up to $200 in credits for G Suite. That’s enough for one year of ZipRecruiter Standard, and one year of G Suite Basic with three users. These credits are only valid for the first year of card membership.
The Business Gold also has a couple travel-related perks that you won’t find on the Delta card. The Hotel Collection benefit will provide a credit of up to $75 for every eligible hotel stay you book. And the Lowest Hotel Rates Guarantee will make sure that you don’t overpay on eligible hotel rooms booked through Amex Travel.
Costs & Fees
The Business Gold Card comes with an annual fee of $295. If you earn points at the 4X rate, you can offset that fee by spending $7,375 per year. That would assume you redeem your points at the 1 cent value, but it could take less spending if you get a good point transfer deal.
This is also a charge card, which means you’ll need to pay the balance in full each billing period. You may have an option to pay off some purchases over time at an interest rate, but in general you’ll need to pay the card off completely. So be sure never to charge more than you can pay off by the due date.
You won’t find any foreign transaction fees here, just like the Platinum Delta Business. This is pretty typical for American Express travel cards.
If you’re not married to a specific airline, a general travel card like this one could be a good fit for your business spending. You may also be interested in checking out other American Express business cards.
Read more in our Review of the Business Gold Card from American Express
Do you fly with the Platinum Delta SkyMiles Business Card? How do you like it? Leave your own review, we’d love to hear from you!
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