Travel Credit Cards Best Companies A - I

Delta SkyMiles Platinum Business Credit Card Review

overall rating

We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more.

The Delta SkyMiles Platinum Business has a somewhat steep $250 annual fee, but cardholders can justify that cost if they spend about $1,000 per month in the card's top reward categories of Delta flights and hotels. Earn 95,000 bonus miles after you spend $4,000 in purchases on your new Card within your first 3 months (offer ends 3/29/23). Take advantage of an annual companion certificate upon renewal, and the opportunity to earn medal-qualifying miles through spending further adds to the card's value. See rates and fees.

Delta SkyMiles® Platinum Business Card

Overall Rating
Delta SkyMiles® Platinum Business Card
On American Express' Secured Site.
Current Offer

Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.

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 (%) 20.49% - 29.49% 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 (%) 29.99%
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater.
how this card stacks up
When compared among all business cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

The Platinum Delta SkyMiles Business Credit Card is not one of our top-rated business credit cards. You can review our list of the best business credit cards for what we think are better options.

Full Review of Delta SkyMiles Platinum Business Credit Card

  • Decent luxury travel benefits

  • Easy-to-earn welcome offer

  • Opportunity to earn MQMs without flying

  • High annual fee

  • No free lounge access

Pros Explained

  • Decent Luxury Travel Benefits: While hardly exceptional, this card’s premium benefits are commensurate with its cost. The most valuable is the annual companion pass. It allows you to bring a companion with you on one domestic main cabin round-trip flight each year and only pay taxes and fees of no more than $75. Other pluses include main-cabin priority boarding, 20% in-flight savings, baggage insurance, a free checked bag per flight for you and up to eight additional passengers in your party, and more.
  • Easy-to-Earn Welcome Offer: Earn 95,000 bonus miles after you spend $4,000 in purchases on your new Card within your first 3 months (offer ends 3/29/23). Many competing cards with comparable bonuses require spending thousands more within the same time after opening an account.
  • Opportunity to Earn MQMs Without Flying: Businesses who spend heavily have the chance with this card to earn more medal qualifying miles, or "MQMs"—the Delta units you require to help earn Medallion Status with the SkyMiles program. While these miles are generally earned by taking flights, the Delta SkyMiles Platinum Business allows you to receive them as a bonus for high spending. Charging $25,000 to this card will earn you 10,000 MQMs, which can be earned two times per year. One bonus of 10,000, along with the 5,000 MQMs you likely received by fulfilling the one-time offer, would alone get you more than halfway to earning Silver Medallion status, which requires 25,000 MQMs. You could reach Silver status if you spent $50,000 in total within the first year, since that earns you a second bonus of 10,000 MQMs. In subsequent years, spending $50,000 would get you close with 20,000 MQMs and some Delta flights would get your the remaining 5,000 to reach Silver status.

Cons Explained

  • High Annual Fee for What You Get: There are cards that charge more than the $250 annual fee of this card, even within the family of Delta credit cards; the Delta Reserve card, for example, charges a steep $550 per year. But most pricier cards offer more than this one, particularly when it comes to luxury travel benefits. Putting aside the value of its bonus offer and annual companion certificate, you’ll need to spend well over $5,000 a year— around $5,796—on hotels and Delta flights to justify the annual fee for this card. If such spending is above your rank as a road warrior, you’ll need to spend triple that amount ($17,388 a year) to justify the annual fee in rewards earned from regular purchases, which earn only one Skymile per dollar spent. Obviously, with a combination of Delta plus hotels purchases and other purchases, the spending needed to cover the fee will end up being in between the two figures.
  • No Free Lounge Access: You might expect an airline card with a $250 annual fee to bestow complimentary access to the carrier’s airport lounges, if only for a few visits a year. But the best the Delta SkyMiles Platinum Business can do is offer access to Delta Sky Club lounges at a rate of $39 per visit. This is the same rate charged to Sky Club members who pay a yearly fee of $545 or a monthly rate of $50 to be members. So you are essentially getting a Sky Club membership at discounted rate by paying the annual fee of the card instead of free lounge access that you might desire with your card.

This Card is Best For

  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker
  • Avatar for Frequent Flyer Persona
    Flies often for business or leisure
    Frequent Flyer
  • Avatar for International Traveler Persona
    Travels outside of U.S. on occasion or frequently
    International Traveler
  • Avatar for Business Owner Persona
    Earning a primary or side income from a small business
    Business Owner

The Delta SkyMiles Platinum Business is best suited to small businesses whose employees fly—a lot—with Delta and stay at hotels when they do. It’s also for those who want to earn strong Delta rewards and are content with a decent offering of travel benefits and extras. 

If you travel at least periodically with an employee or business associate, this card becomes more valuable. The annual companion certificate, which allows you to bring one companion on a domestic round-trip flight per year for no more than $75, is worth hundreds of dollars annually. Plus, you get a free checked bag per flight—a $60 value round-trip—for you and up to eight companions. 

It helps, too, if the cardholder is in pursuit of higher status in the Delta SkyMiles program, since the card’s bonus MQMs based on spending could help them advance to the Silver level or beyond.   

Delta SkyMiles Platinum Business Credit Card Bonus Offer 

Earn 95,000 bonus miles after you spend $4,000 in purchases on your new Card within your first 3 months (offer ends 3/29/23).

We value the bonus miles at $864 when redeemed for domestic Delta flights, which is enough to justify the annual fee for three full years and part of the fourth.

Rewards Earning Details

Cardholders earn 3 miles per dollar spent on Delta purchases, which includes expenditures for flights, seat upgrades, in-flight expenses except those where Delta is not the merchant of record, Delta Vacations, and Sky Club membership or passes. You also earn 3 miles per dollar spent for hotel stays, provided you pay the hotel directly upon check-in or check-out. All other transactions earn 1 mile per dollar. 

Rewards Redemption Details

Cardholders must be members of the Delta SkyMiles rewards program to redeem miles through Delta's app, website, by phone, or at the ticket counter.

As a rule, SkyMiles yield the best return when redeemed for Delta purchases, including flights, seat upgrades, and Delta Vacation packages. For example, we value SkyMiles at an estimated 1.44 cents per mile when redeemed for domestic Delta flights. That's about average when compared to other airlines. You can also use miles, generally for a lower return, to buy gift cards, magazines, and experiences. You can also transfer SkyMiles to friends and family or donate them to charity. 

You can also use SkyMiles to buy flights on other airlines through Delta partners include fellow members of the SkyTeam alliance along with other carriers.

With these partners, you can book award travel on in the same way you do for Delta flights:

  • Aeroflot
  • Aeromexico
  • Aerolineas Argentinas
  • Air France
  • Cape Air
  • China Eastern
  • China Airlines
  • China Southern
  • Hawaiian Airlines
  • KLM Royal Dutch Airlines
  • Korean Air
  • Mandarin Airlines
  • Middle East Airlines
  • Saudia Airlines
  • Shanghai Airlines
  • Tarom Airlines
  • Vietnam Airlines
  • Virgin Atlantic
  • Virgin Australia
  • WestJet
  • Xiamen Airlines

For these other partners, you must contact Delta Reservations for help in booking award travel:

  • Air Europa
  • Air Tahiti Nui
  • Czech Airlines
  • Kenya Airways

Transferring Points

Other than using Delta SkyMiles to book flights through Delta With the carrier’s partners in the SkyTeam alliance, it isn’t possible to transfer points from Delta to other loyalty programs. However, you can transfer points from select loyalty programs and convert them to Delta SkyMiles. However, the rate you’ll receive for such a conversion may make it a dubious financial move.  

How to Maximize Your Rewards

To make the most out of this card, focus first on using it for Delta and hotel purchases to earn 3 miles per dollar spent. With each mile worth an estimated 1.44 cents when subsequently redeemed to take more Delta domestic flights, those earnings represent a return of over 4%, a rate that’s hard to beat.

It offers a welcome bonus to earn 95,000 bonus miles after you spend $4,000 in purchases on your new Card within your first 3 months (offer ends 3/29/23). 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.

At 1 mile per dollar spent, the default rate for non-Delta purchases delivers a return of about 1.44% when used for domestic Delta flights. While that’s a rate you can likely beat with another card, it may nonetheless still be useful to charge miscellaneous purchases to the Delta SkyMiles Platinum Business. 

When making single purchases of $5,000 or more you'll earn 1.5 miles per dollar instead of 1 mile per dollar, up to 50,000 miles per year. This does not apply to Delta and hotel purchases that already earn 3 miles per dollar.

If you spend a lot on the card each year (within your means, of course), earn the MQMs from Status Boost, and ultimately hit Silver Status you'll gain further value from the card. Attaining status, allows you to earn more miles from the SkyMiles program for every dollar you spend with Delta, not to mention the benefits status gives you.

Last but not least, use the companion pass and other luxury travel benefits to boost the overall return on this card. 

Average Case

Let's assume you use this card each month to book one round-trip Delta flight and two nights at a hotel, for total spending of around $7,800 per year. Let's further assume you make one large $5,000 purchase per year and also use this card for $6,000 per year in additional expenses like those for marketing, office supplies, advertising, insurance, and more. At the end of the year, you'd earn 36,900 miles worth $531.36 when redeemed for Delta flights.

If you were to use the annual companion certificate and check a free bag on each flight, your overall return on the card would increase even more—potentially to $1,000 or more.

Aspirational Case

Small businesses can increase the miles they earn exponentially by giving each of their employees a card, especially since additional member cards are almost always free, as they are with this card. 

Along with the scenario above, let's say you have three employees, each of whom travels twice per year, each spending $3,000 in total on a mix of Delta flights and hotel stays. They also each spend $6,000 per year on other expenses. 

Over the course of a year, the $30,000 those colleagues spend would earn the account a total of 54,000 additional miles, valued at $777.60 when used for Delta flights. Add in the business owner’s $531.36 in rewards value and the total haul comes to $1,308.96. 

You'd also earn an additional 10,000 MQMs for spending more than $25,000 within a calendar year. Combine those bonuses with the 5,000 MQMs from this card's one-time offer, along with those earned from your personal flights, and at least for the first year you’d be more than halfway to the 25,000 MQMs that are required to earn Silver Medallion status.

Platinum Delta SkyMiles Business Card's Outstanding Benefits

  • Annual companion certificate
  • First checked bag free
  • Status boost
  • 20% in-flight savings
  • Main cabin 1 priority boarding
  • Pay the members' rate to enter Delta Sky Club lounges

Standard Benefits

  • Rental-car collision insurance (secondary to your own policy)*
  • Baggage insurance*
  • Travel and emergency hotline 
  • Extended warranties*
  • Purchase protection for accidental damage or theft*

*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit for more details. Underwritten by AMEX Assurance Company.

Cardholder Experience

American Express ranked first in J.D. Power's 2021 U.S. Small Business Credit Card Satisfaction Study. Its score was 864 while the average was 852.

Customers can get in touch with American Express 24/7 by calling 800-528-4800. You can also log into your account and live chat with a representative, or send questions and comments to @AskAmex on Twitter. 

Security Features

All American Express cardholders get access to a number of security features that are standard within the industry, including fraud protection, account monitoring, and alerts for irregular activity.

Amex also offers next-day shipping for lost or stolen cards. 

Our Verdict

The Delta SkyMiles Platinum Business offers a well-rounded choice for a business that spends at least around $5,800 a year on hotel stays and Delta flights. Such a company would not only justify the card’s $250 annual fee in rewards but enjoy such travel benefits as a discounted annual companion certificate and priority boarding.

However, if you’re a Delta regular with deeper pockets and a taste for more luxurious travel, you may want to favor other options.

For example, the Delta SkyMiles Reserve Business card costs $550 a year but comes with a slightly higher bonus offer, more opportunities to earn MQMs, and additional luxury benefits, like complimentary access to the Sky Club and Centurion lounges.

In the opposite direction, there’s the Delta SkyMiles Gold Business. It has a $99 annual fee and slightly lower rewards than the Delta SkyMiles Platinum Business on Delta purchases—2 miles per dollar spent, rather than 3—and it extends that rate to restaurants, shipping, and advertising, rather than hotels. It, too, offers priority boarding, a free checked bag per flight, and discounts on in-flight purchases.

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

Next Steps
For Delta SkyMiles® Platinum Business Card
on American Express' Secured Site.
Compare This Card
See how this card compares to similar cards
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 (%) 20.49% - 29.49% 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.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.