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Delta SkyMiles Platinum Business American Express Card review: A solid choice for on-the-go Delta fans

Dori Zinn
ยทContributing writer
Updated 3 min read
Amex disclosure

For business folks who want to earn rewards while traveling, Delta SkyMilesยฎ Platinum Business American Express Card is a great option โ€” especially if you're a Delta loyalist who often flies for work.

This Amex card offers business travelers a high reward rate and great value. But if you arenโ€™t a die-hard Delta fan, this business credit card might not be worth the investment.

Delta SkyMilesยฎ Platinum Business American Express Card

Rates & fees, terms apply
  • Annual fee
    $350
  • Welcome offer
    Earn 95,000 Bonus Miles after spending $8,000 in the first 6 months (offer ends 7/17/24)
  • Card type(s)
    Travel, Airline, Business
  • Recommended credit score
    Good, Excellent
  • Rewards rate
    Earn 1.5x miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more
  • Benefits
    • Earn an annual statement credit of up to $200 after booking prepaid hotels or vacation rentals through Delta Stays
    • Save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app
    • Earn up to $10 per month in statement credits on eligible Resy purchases

More card details: When you use your Delta SkyMiles Platinum Business American Express card for purchases, you also get the advantage of Amex's extended warranty option. Purchases with your Delta SkyMiles Platinum Business Card extend the original manufacturerโ€™s warranty by an extra year for warranties up to 5 years on purchases in the U.S. Youโ€™re also eligible for:

-Purchase protection, up to $1,000 for each occurrence, up to $50,000 a year*
-Amex rewards and offers available on qualifying purchases through the Amex site and app
-Employee cards and vendor pay through Bill.com

*Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Learn more

Aside from the rewards rate, you can earn rewards when you shop with Delta SkyMiles partners, including Starbucks and Lyft. If you book car rentals through Delta, youโ€™ll earn 2 miles per $1. Thereโ€™s no cap on how many miles you can earn.

You can redeem rewards a few different ways, including seat upgrades on existing flights โ€” or for entire flights, if you have enough miles to cover them. You can also use them to cover checked bag fees on Delta flights.

You can also shop with your miles through the Delta SkyMiles MarketPlace, including on upcoming experiences or magazines. Thereโ€™s also an option to donate miles to charity through the Delta SkyWish program or gift your miles to a friend or family member.

The Delta SkyMiles Platinum Business Amex is best for loyal Delta flyers and those who want to build up miles and rewards with their favorite airline. If you fly often for work and have the opportunity to exclusively fly Delta, this business card is best for you.

  • Generous welcome offer

  • Earn miles on every purchase

  • No foreign transaction fees

  • Limited reward redemption options, including no statement credit or cash-back features

  • High annual fee

  • Mile redemptions must be in 5,000 increments

You can use this card wherever American Express is accepted worldwide. Although American Express isnโ€™t as widely accepted internationally as Visa and Mastercard, youโ€™ll have an easy time using the card in Canada, Mexico, the U.K., Australia, and other countries.

Since this Delta card is an American Express card, youโ€™ll need to log into your Amex account or register as a new user after you complete an application. You can download the Amex app on your phone or log into the website to add banking information, make a one-time payment, set up auto-pay, and manage your account.

You can make a payment over the phone by calling the number on the back of your card or 1-800-472-9297 and follow the prompts from the automated messages.

If you want to mail in your payment, send a check or money order payable to American Express to:

First Class Mail
American Express
PO Box 96001
Los Angeles, CA
90096 - 8000

While the Delta card might be right for some folks, it may not be the right card for everyone. Even if the card is right for you, take some time to compare it against other cards available right now.

American Expressยฎ Business Gold Card

Rates & fees, terms apply
  • Annual fee
    $375
  • Welcome offer
    Earn 70,000 points after you spend $10,000 on purchases within the first 3 months
  • Card type(s)
    Business, Rewards
  • Ongoing Purchases APR
    19.49% - 28.49% Variable
  • Recommended credit score
    Excellent/Good
  • Rewards rate
    • 4x points on your top two eligible spending categories each billing cycle (up to $150,000 in combined spending each calendar year, then 1x)
    • 3x points on flights and prepaid hotels booked on AmexTravel.com
    • 1x points on all other purchases
  • Benefits
    • Earn up to $20 in monthly statement credits for eligible U.S. purchases at FedEx, Grubhub, and office supply stores
    • Receive a monthly $12.95 statement credit for one Walmart+ membership
    • Your spending limit is flexible and adjusts based on factors such as your purchase, payment, and credit history

The charges a slightly higher annual fee โ€” $375 โ€” but also has a generous welcome offer and a higher rewards rate. Itโ€™s 4x points in your top two categories, 3x points on flights and hotels, as well as 1x points on everything else. 

Learn more

Capital One Venture X Business

  • Annual fee
    $395
  • Welcome offer
    Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
  • Card type(s)
    Business, Travel
  • Purchase APR
    Not applicable
  • Recommended credit score
    Excellent
  • Rewards rate
    • 2x miles on every purchase
    • 5x miles on flights booked through Capital One Travel
    • 10x miles on hotels and rental cars booked through Capital One Travel
  • Benefits
    • Every year, you'll get 10,000 bonus miles after your account anniversary date and receive an annual $300 credit for bookings through Capital One Travel
    • Up to a $100 statement credit on TSA PreCheck or Global Entry
    • Unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass and Plaza Premium Group lounges

This business card doesnโ€™t restrict you to one airline. You can earn 2x miles on every purchase, plus 5x miles on flights and 10x miles on hotels and rental cars. The card also offers a generous welcome bonus and anniversary bonus miles every year. However, along with the $395 annual fee, you must pay your balance in full every month to keep your card in good standing.

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Delta SkyMilesยฎ Reserve Business American Express Card

Rates & fees, terms apply
  • Annual fee
    $650
  • Welcome offer
    Earn 110,000 Bonus Miles after spending $12,000 in the first 6 months (offer ends 7/17/24)
  • Card type(s)
    Travel, Airline, Business
  • Ongoing Purchases APR
    20.99% - 29.99% Variable
  • Recommended credit score
    Excellent/Good
  • Rewards rate
    3x miles on Delta purchases
  • Benefits
    • Earn an annual statement credit of up to $250 after using your card to book prepaid hotels or vacation rentals through Delta Stays on delta.com
    • Check your first bag free on Delta flights
    • Enjoy international travel without additional fees on purchases made abroad

is also strictly for Delta flyers. You'll earn 3x miles on Delta purchases and 1x miles on everything else, as well as access to airport lounges, an annual companion pass, and complimentary flight upgrades You can add up to 99 employees at no cost (and set spending limits).

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This article was edited by Rebecca McCracken

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