Delta SkyMiles Platinum Business AmEx: Delivers for the Delta Devotee

The card's annual companion certificate can offer major value, and its rewards and other perks make flying Delta more pleasant for business travelers.

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Our Take

4.5

NerdWallet rating 

The bottom line: If you travel often for business and fly Delta, the rewards and perks on this card could easily make up for the annual fee. And it gives you a leg up for achieving elite status. But if you're not tied to Delta, this might not be a match for you.

American Express Platinum Delta SkyMiles Business Credit Card

on American Express's website

Annual fee

$250

Regular APR

15.74% - 24.74% Variable APR

Intro APR

N/A

Recommended Credit Score

Quick FactsView rates and fees

Pros & Cons

Pros

  • High rewards rate
  • Free checked bag
  • Early boarding
  • Companion benefit

Cons

  • Has annual fee
  • Requires good/excellent credit

Alternate Pick: More luxury

The Business Platinum® Card from American Express OPEN Credit Card
NerdWallet rating 

The Business Platinum Card® from American Express

Lofty benefits, if you can stomach the fee

The Business Platinum Card® from American Express offers 5 points per dollar spent on certain travel purchases, and it features luxury perks like airport lounge access and valuable credits for travel costs. It offers big value, but there's also a big annual fee: $595. Terms apply.

Read our review

Compare to Other Cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$250

Annual fee

$95

Annual fee

$295

Regular APR

15.74% - 24.74% Variable APR

Rates & Fees

Regular APR

15.99% - 20.99% Variable APR

Regular APR

14.24% - 22.24% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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Full Review

For small-business owners looking for a credit card with Delta Air Lines benefits, the may glide to the top of the list.

In the family of Delta AmEx business cards, it's the middle option, offering valuable — and in some cases, hard-to-find — travel benefits for an annual fee of . And you don’t need to have a hardcore business with a storefront or employees to qualify. A side hustle might qualify you.

The card is not as flexible for earning and redeeming points as a general travel card. But if you’re tied to Delta for business-trip flights, the card’s and raft of rewards and perks can defray travel costs and hassles, all while giving you signficant boosts toward elite frequent-flyer status.

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To view rates and fees of the , see .

Card type: and.

Annual fee:

Welcome bonus:

Rewards:

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Delta miles at each. This is a baseline value, drawn from real-world data on hundreds of economy routes, not a maximized value. In other words, you should aim for award redemptions that offer or more in value from your Delta miles.

Foreign transaction fee: None.

APR: .

Other benefits:

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The is one of the few airline cards to feature an annual companion certificate, which covers a travel partner's airfare. This valuable feature alone can make up for the card's annual fee.

Say you were buying round-trip tickets for you and a colleague at $800 apiece, plus taxes and fees. If you redeemed this benefit, you wouldn't have to drop more than $1,600 on that getaway; aside from paying the taxes and fees on the ticket (which are capped at $75), you'd essentially get your trip for half the price.

You can redeem the companion benefit for a round-trip ticket in the main cabin departing and arriving in the 48 contiguous United States. (There are exceptions to this rule for cardholders who live in Hawaii, Alaska, Puerto Rico or the U.S. Virgin Islands.) You would need to book flights with your companion that have the same times and dates, and make the purchase using the . You'll get this benefit annually when your card is renewed. Terms apply.

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Not all airline cards give you a way to reach elite status faster, but the allows you to earn , or MQMs, with your credit card spending. You get elite status on Delta by spending money with the airline (called Medallion Qualifying Dollars or MQDs) and by flying. MQMs essentially count toward the "flying" part of the equation. You can qualify for the lowest tier of elite status, Silver, with 25,000 MQMs.

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The card comes with an annual benefit called Status Boost. With this perk, you'll get:

Keep in mind that these MQMs are not redeemable for award flights like regular SkyMiles; they count only toward status.

You can also get a waiver to reach elite status even if you didn't spend enough on Delta flights. You can instead spend $25,000 on the . That can satisfy the MQD requirement for Platinum, Gold and Silver Medallion status. For Diamond status, you must spend $250,000 on the card to get the MQD waiver.

The benefit is especially generous. You’ll get a first checked bag free for you and up to eight others on your reservation. Terms apply. You might rarely have that many traveling companions, but fully used, that’s a savings of up to $540 on a round-trip flight ($30 per person each way). You would break even on the annual fee with just a few traveling partners, assuming you would have otherwise paid to check bags.

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If you don’t typically check bags, then it’s nice to have the priority boarding that comes with the card. It will get you on the plane earlier — in this case, Main Cabin 1 Priority Boarding. Terms apply. That means you’re more likely to find overhead bin space for your roll-aboard. Some flyers like to board earlier to get settled in their seat before the cabin fills. Either way, priority boarding can be a welcome perk.

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New-cardholder bonuses can change periodically, but the card typically gives you enough miles to snag a domestic award flight, assuming you can meet the required spending. The current bonus:

Note that if you've had this American Express credit card in the past, you’re unlikely to qualify for the bonus. And you might be rejected for the bonus because of other account history with American Express.

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Like all of AmEx’s business credit cards, the features a suite of benefits designed for business owners, including:

These features make it easy to track your company’s spending and can come in handy at tax time.

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Delta and American Express offer three credit card options for business owners, each at a very different annual fee. Examining card features side by side helps when choosing.

» MORE: Want a consumer card instead? Read

The annual fee of is middling for this type of business airline card — not a fee associated with a basic card, but also not the huge $500-plus fee you see on luxury credit cards or ones with airport lounge access. Terms apply. Be sure you can extract more value from the card than you’re paying to hold it.

An example of a travel credit card with a lower annual fee is the. It earns 3 points per dollar on the first $150,000 spent on travel and select business categories each year, and 1 point per dollar on everything else. Points are worth 1.25 cents apiece when redeemed for travel through theportal. It has a jumbo welcome bonus and a more palatable fee.

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Typically, the best redemption options for Delta SkyMiles are award flights and seat upgrades on Delta and its SkyTeam partners. That’s limiting compared with general travel business credit cards, which allow you to apply rewards to a wide range of travel-related expenses.

If you mix your flying with airlines other than Delta, a general travel card might be a better fit.

A good choice for small businesses is the . It earns an unlimited 2 miles per dollar on all purchases. Miles can be redeemed for statement credit against any travel purchase. Book however you want, then use miles to pay for it, with no blackout dates or restrictions.

This card offers discounted access to Delta Sky Club airport lounges at $39 per person. But that's not a full membership like is offered by its big brother card, the , with an annual fee of . (Day passes to the lounge are no longer openly available to all Delta flyers but used to cost $59.)

You can also get into Delta Sky Clubs with a great general travel card for business,, with an annual fee of . Terms apply (see ).

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The offers a lot of value for avid Delta flyers, especially if you're chasing elite status on the airline. But you have to extract enough value from the card to make up for the annual fee. If you fly several airlines, consider a general travel card for business.

To view rates and fees of the , see . To view rates and fees of the , see . To view rates and fees of the , see . To view rates and fees of , see .