Platinum Delta SkyMiles Business Credit Card Review

INSIDER SECRET: You can earn Delta elite status just by spending on this credit card even if you never take a single flight.
With all the Delta Amex credit cards available, picking the right card for you and your small business can be tricky. It’s a push and pull between earning the best bonus offer and the most valuable and relevant perks while keeping your costs low.
Enter the Platinum Delta SkyMiles® Business Credit Card from American Express, a middle ground between the entry level Gold Delta SkyMiles® Business Credit Card from American Express and the ultra-premium Delta Reserve for Business Credit Card.
For a limited time, you can earn 50,000 Delta miles after spending $3,000 on purchases in the first three months of account opening, and 50% back in the form of statement credits on purchases made directly with Delta within the same timeframe, up to $500 back.
Plus, big-spending businesses can earn up to 20,000 additional MQMs and redeemable miles each year, as well as a Medallion® Qualifying Dollar (MQD) waiver that gets you one step closer to elite status. You’ll also enjoy a number of elite-like perks, including free checked bags, priority boarding and a 20% savings on inflight purchases.
You can apply for the Platinum Delta SkyMiles® Business Credit Card from American Express here.
Platinum Delta SkyMiles Business Credit Card review: This increased offer will get you one step closer to flying in a sleek Delta One suite with a closing door. (Photo courtesy of Delta)
Platinum Delta SkyMiles Business Credit Card Review: A Valuable Bonus for Award Travelers and Delta Elites
Apply Here: Platinum Delta SkyMiles Business Credit Card from American Express

The Platinum Delta SkyMiles for Business Credit Card is currently offering a welcome bonus of 50,000 Delta SkyMiles after spending $3,000 on purchases in the first three months of account opening, and 50% back in the form of statement credits on purchases made directly with Delta within the same timeframe, up to $500 back.
Because Delta removed its award chart a few years back and switched to dynamic award pricing, it’s tough to put an exact value on this bonus. The value of Delta miles varies depending on how you redeem them. At minimum, the 50,000-mile welcome bonus is worth $500 in Delta airfare when you use Delta Pay With Miles. With Pay With Miles, Amex Delta cardholders can redeem miles at a rate of 1 cent each toward paid flights with no blackout dates.
For example, I was able to find nonstop flights between Los Angeles and New York City in coach for 24,000 Delta miles round-trip. So you could get two coast-to-coast return tickets worth ~$640, and still have 2,000 Delta miles left over.
Delta has also upped its game recently, offering frequent Delta SkyMiles deals flash award sales for both domestic and international flights. If you’re flexible enough to wait for one of these deals to pop up, you can stretch your miles even further. You shouldn’t have to wait too long either, as we’re now seeing several award sales launched each month.
How to Earn Miles With the Platinum Delta SkyMiles Business Credit Card
Cobranded airline credit cards are generally not the best for earning miles on everyday spending. With the Platinum Delta SkyMiles for Business Credit Card, you’ll earn :

2 Delta miles per dollar spent on Delta purchases
1 Delta mile per dollar spent everywhere else

You’ll come out ahead booking your travel with Chase Sapphire Reserve or The Platinum Card® from American Express. The main reason to spend on this credit card is if you’re trying to earn an MQD waiver or earn bonus redeemable miles or MQMs toward Delta elite status (but more on that later).
How to Use Delta Miles
Delta’s lack of an award chart makes it hard to speak about SkyMiles redemption in general terms, since prices vary on a day-to-day basis. By the time you sit down to read this post, there’s a good chance that prices will be different than what I see while I’m writing this.
For example, one-way economy awards between Chicago (ORD) and Atlanta (ATL) vary from 6,500 miles on the absolute lowest end up to 13,500 miles. You can expect to pay just over 10,000 miles for most domestic economy awards, meaning your welcome bonus would get you about five one-way flights within the US.

The variation on international routes is even more extreme. Take a look at these one-way business-class awards from Atlanta (ATL) to Amsterdam (AMS), which differ in price by as much as 3x day to day.

Your best bet for using Delta miles at a good value is to wait for one of Delta’s award sales. While the Delta SkyMiles program as a whole doesn’t offer the best value, these sales can be an incredible deal for a flexible traveler. This year alone we’ve seen some of the following discounts:

Round-trip to Australia for 44,000 miles in economy
Round-trip to South America for as low as 32,000 miles in economy
Domestic round-trips for as low as 11,000 miles

We’ve also seen a number of sales for Delta Comfort+ and Delta One, as well, but these are just a few examples.
Platinum Delta SkyMiles Business Credit Card Benefits
Although the Platinum Delta SkyMiles Business Credit Card has a $195 annual fee (See Rates & Fees), it offers an attractive set of perks that can help offset that cost.
Annual Companion Certificate
Each year on account renewal, you’ll receive an annual companion certificate, valid for round-trip main cabin domestic travel. You just need to pay the taxes and fees, which will be low on a ticket like this.
Miles Boost
If you spend $25,000 a year on this card, you’ll earn an additional 10,000 bonus miles and 10,000 MQMs. Spend $50,000 total and you’ll earn an additional 10,000 miles and 10,000 MQMs. This deal stacks especially well with the next perk …
MQD Waiver
Spending $25,000 in a year will waive the MQD requirement for qualifying for Silver, Gold or Platinum Delta elite status. The waiver for Delta Diamond elite status was raised and now requires $250,000 a year in spending.
So if someone opens the Platinum Delta SkyMiles Business Credit Card under the current bonus offer and spends $50,000 in the first calendar year, they’d earn a grand total of 20,000 MQMs (20,000 from the miles boost) and receive an MQD waiver. This means it’s possible to nearly earn Delta Silver elite status without actually setting foot on a plane.
First Checked Bag Free
You and up to eight companions traveling on the same reservation will enjoy a first checked bag free, a savings of $30 per bag.
Priority Boarding
Get Zone 1 priority boarding for you and up to eight companions traveling on the same reservation.
20% Inflight Savings
Receive 20% back in the form of a statement credit when you use your Platinum Delta SkyMiles Business Credit Card for inflight purchases on Delta (not including Wi-Fi).
Purchase Delta Sky Club Airport Lounge Access
Cardholders and up to two companions can purchase Delta Sky Club access for $29, though you could also get in free if you have an Amex Platinum card and are flying Delta the same day.
With the Platinum Delta SkyMiles Business Credit Card, you can enjoy discounted Delta Sky Club lounge access and grab snacks and drinks in a quieter setting at the airport. (Photo courtesy of Delta)
Baggage Insurance Plan
When you pay for your fare with the Platinum Delta SkyMiles Business Credit Card, you’re covered if your bags are lost, damaged or stolen up to $1,250 for carry-on luggage and $500 for checked luggage. You can read about important restrictions and exclusions here.
Car Rental Loss and Damage Insurance
Use your Platinum Delta SkyMiles Business Credit Card to pay for a car rental and receive secondary car rental insurance coverage up to $50,000 if your car is damaged or stolen. Here are important details and restrictions.
Travel Accident Insurance
If the unthinkable happens while you’re traveling, you could be covered for losses resulting from accidental death or dismemberment. Your immediate family (spouse, dependent children under 23, etc.) are also covered on an eligible trip.
To be eligible for this insurance you’ll need to pay for your entire travel fare (cruise, ticket, etc.) with your Platinum Delta SkyMiles Business Credit Card. You can read the full terms of this card’s travel accident coverage here.
Extended Warranty
When you make an eligible purchase with the card, the original manufacturer’s warranty can be extended up to two additional years on eligible warranties of five years or less. This can save you money if you would have otherwise paid for an expensive extended warranty. Here’s more about extended warranty coverage.
Return Protection
Within 90 days of the date of purchase with your Platinum Delta SkyMiles Business Credit Card, if you try to return an eligible item and the merchant won’t take it back, you may be refunded the full purchase price, up to $300 per item and a maximum of $1,000 per year. Read important restrictions here.
Purchase Protection
The Platinum Delta SkyMiles Business Credit Card has you covered if an eligible item you’ve bought with the card is accidentally damaged or stolen within 120 days of purchase. Check out important restrictions here.
Amex Offers
Amex Offers are targeted discounts or bonus miles on everyday purchases. Just add the deal to your card and make an eligible purchase to earn a statement credit or bonus miles.
Roadside Assistance Hotline
The Platinum Delta SkyMiles Business Credit Card comes with access to Amex’s 24-hour Roadside Assistance Hotline. It’s free to call, but you will be charged for any services you use. They can help you with the following:

Towing
Winching
Jump starts
Flat tires (when you’ve got a working spare)
Delivery of up to two gallons of fuel
Lockout service when the key is in your vehicle

Here are all the details of the Amex Roadside Assistance Hotline.
Is the Platinum Delta SkyMiles Business Credit Card Worth the Annual Fee?
An annual fee of $195 is pretty steep for a non ‘premium’ credit card, but the Platinum Delta SkyMiles Business Credit Card is still compelling. Frequent Delta travelers could offset the annual fee by using perks like the free checked bags and the companion certificate, and Delta elites (or wannabe elites) can get serious value out of the MQD waiver and miles boost option.
Does the Platinum Delta SkyMiles for Business Credit Card Charge Foreign Transaction Fees?
No. (See Rates & Fees)
Who Is Eligible for the Platinum Delta SkyMiles for Business Credit Card?
This is a small business credit card, so you’ll need a for-profit business to qualify. However, you may be eligible and not realize it, because even side hustles or part-time businesses, like reselling online or running an Airbnb count. Here’s our guide to filling out an Amex business card application.
Because American Express only lets you earn the bonus once per lifetime on a credit card, you should be eligible for this bonus as long as you’ve never had this card before. Make sure you study up on Amex’s other application rules, including the fact that unofficially, you can only get approved for two new cards in a 90-day period and the fact that Amex typically limits you to only holding five credit cards at once (this doesn’t count charge cards like the American Express® Gold Card and Amex Platinum).
Similar Cards to the Platinum Delta SkyMiles Business Credit Card
The personal version of this card, the Platinum Delta SkyMiles® Credit Card from American Express, offers a similar set of perks and welcome bonus.
If you want to stick with a business card, you can also consider the Gold Delta SkyMiles® Business Credit Card from American Express which has a lower annual fee of $95 (See Rates & Fees) which is waived the first year. You can earn a respectable 30,000 Delta miles from the bonus after spending $1,000 on purchases in the first three months of account opening plus 50% back in the form of statement credits on purchases made directly with Delta within the same timeframe, up to $300 back.
There’s also the Delta Reserve for Business, which offers 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $3,000 on purchases in the first three months. The Delta Reserve for Business has a $450 annual fee (See Rates & Fees), but its main selling point is a Delta Sky Club lounge membership which can be a great value.
Bottom Line
The Platinum Delta SkyMiles Business Credit Card is a mid-level card between the Gold and the Reserve, offering a welcome bonus of 50,000 Delta miles after spending $3,000 on purchases in the first three months of account opening, and 50% back in the form of statement credits on purchases made directly with Delta within the same timeframe, up to $500 back.
You’ll also get great perks without breaking the bank, including a free first checked bag, priority boarding and travel protections.
This is a good bonus offer that many small business owners will be eligible for, even if your venture is a part-time side gig. If you’ve been enticed by one of Delta’s recent award sales but don’t have enough miles in your account, this is a great way to fix that problem.
To learn more about Delta miles, check out these guides:

Delta SkyMiles Review
Delta Miles Value
Delta Status
How to Earn Delta SkyMiles
How to Create a Delta Account
How to Use Delta Miles
Delta Award Chart
Do Delta Miles Expire?
Delta SkyMiles Deals
Delta Promotions

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For the rates and fees of the Platinum Delta SkyMiles Business Credit Card from American Express, please click here.
For the rates and fees of the Gold Delta SkyMiles Business Credit Card, please click here.
For the rates and fees of the Platinum Delta SkyMiles Credit Card, please click here.
For the rates and fees of the Delta Reserve for Business Credit Card, please click here.