Delta SkyMiles Platinum Business American Express Card
Up to 100,000 bonus miles plus $440 in annual credits for business travelers at $350/year
The Delta SkyMiles Platinum Business American Express Card earns 3X miles on Delta flights and hotels, 1.5X on shipping and transit. At $350 annually, you get $440 in credits: $200 Delta Stays, $120 Resy, $120 rideshare. Each year after renewal you get a Companion Certificate (taxes and fees only), plus a $2,500 MQD Headstart and $1 MQD per $20 spent. Includes priority boarding and free checked bags.
- Annual Fee
- $350
- Welcome Bonus
- As high as 100,000 miles — offers vary
- Highest rate (conditional)
- Up to 3X (Direct)
Terms checked against the issuer on November 6, 2026
At a Glance
- Annual Fee
- $350
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Delta SkyMiles
- Point Valuation
- 1–1.2 cpp (mid: 1.2)
- Credit Required
- Good to Excellent
Welcome Offer
As high as 100,000 miles — offers vary
Spend $10,000 in the first 6 months
The issuer states this offer only as a maximum. Offers vary by applicant: you may be offered less, or no offer.
Earning Rates
- 3X
Hotels
3X miles on hotels booked directly — No annual cap
- 3X
Delta
3X miles on Delta purchases — No annual cap
- 3X
Delta
Earn 3X miles on Delta purchases
- 1.5X
Shipping
1.5X miles on U.S. shipping - up to $100K combined eligible purchases per year across transit, shipping, and large purchases
- 1.5X
Transit
1.5X miles on eligible transit - up to $100K combined eligible purchases per year across transit, shipping, and large purchases
- 1.5X
Large Purchases
1.5X miles on single eligible purchases of $5K or more - up to $100K combined eligible purchases per year across transit, shipping, and large purchases
- 1X
All Other
1X miles on all other eligible purchases — No annual cap
Earning Scenarios
3X Miles on Delta Purchases
Earn 3 miles per dollar spent directly with Delta, including flights, seat upgrades, onboard purchases, and Delta Vacations packages. No annual cap.
$20,000 annual Delta spend earns 60,000 miles worth $720 at 1.2 cents per mile.
3X Miles on Hotels Booked Directly
Earn 3 miles per dollar when booking hotels directly with hotel brands (Marriott, Hilton, Hyatt, IHG, etc.). Must book through the hotel's own website or phone line. No annual cap.
$15,000 annual hotel spend earns 45,000 miles worth $540 at 1.2 cents per mile.
1.5X Miles on U.S. Shipping
Earn 1.5 miles per dollar on U.S. shipping charges from any carrier (USPS, FedEx, UPS, etc.). Ideal for e-commerce businesses with high shipping costs. Up to $100K combined eligible purchases per year across transit, shipping, and large purchases.
$10,000 annual shipping spend earns 15,000 miles worth $180 at 1.2 cents per mile.
1.5X Miles on Transit Purchases
Earn 1.5 miles per dollar on eligible transit purchases including trains, buses, taxis, tolls, parking, and ride-sharing services. Up to $100K combined eligible purchases per year across transit, shipping, and large purchases.
$6,000 annual transit spend earns 9,000 miles worth $108 at 1.2 cents per mile.
1.5X Miles on Large Purchases
Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more. Up to $100K combined eligible purchases per year across transit, shipping, and large purchases.
A $6,000 equipment purchase earns 9,000 miles worth $108 at 1.2 cents per mile.
Benefits & Perks
Travel Benefits
7 perksGeneral Travel
Elite Status
Flights
Annual Credits & Statement Credits
5 creditsUp to
$490
in recurring credits (annual)
$200 Delta Stays Credit
Up to $200 annual credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com.
$200
Annual
$10/mo Resy
Discover restaurants to love on your next trip. With your enrolled Card, you can earn up to $10 per month in statement credits on eligible purchases
$10
Monthly
$10/mo rideshare
Up to $10 in statement credits each month on U.S. rideshare purchases with select providers. Enrollment required.
$10
Monthly
$120 Global Entry/TSA PreCheck
Automatic reimbursement for Global Entry or TSA PreCheck application fees every 4 years. Global Entry includes TSA PreCheck.
—
Annual
20% back Delta in-flight
Get 20% back as a statement credit when you purchase headsets, meals, food and beverages on board Delta flights.
$20
Per transaction
Insurance & Protections
8 protectionsZero liability protection on fraudulent charges
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Hertz Five Star® Status
Transform your car rental experience with Hertz Five Star Status, compliments of your Delta Platinum Card.
Purchase protection up to $1,000 per occurrence
primary
Protect your purchases against accidental damage or theft for 90 days after purchase. Up to $1,000 per occurrence, $50,000 annual limit.
Trip delay coverage up to $300 after 6 hours
primary
Get reimbursed for meals, hotel, and essentials when your travel is delayed 6+ hours. Up to 2 claims per year.
Cell phone protection up to $800 per claim
primary
Get up to $1,600 annual coverage for stolen or damaged phones when you pay your cell phone bill with this card. $50 deductible.
View conditions
Deductible: 50
Show all 8 protectionsShow fewer protections
Extended warranty adds 1 year to manufacturer warranty
Get an extra year of warranty protection on purchases with original warranties under 5 years.
Car rental insurance up to $50,000
secondary
Secondary coverage for theft and collision damage on rentals up to 30 days. Skip rental counter insurance and save $15-40/day.
Baggage insurance up to $1,250 for carry-on items
secondary
Get reimbursed for lost or damaged baggage contents with coverage for carry-on ($1,250) and checked bags ($500) in excess of airline reimbursement.
Dining Out
1x at restaurants
SkyMiles
≈$1.20 in value on a $100 dinner, at our valuation of 1.2¢ per point
Annual fee: $350
Explore 11,039 restaurants where this card unlocks perks$120 Resy Credit
At 11,039 Resy restaurants
Enrollment required$10
A month
Stack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 1x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
SkyMiles
America's premium airline rewards program
Delta SkyMiles is the loyalty program of Delta Air Lines, serving over 100 million members worldwide. As a founding member of the SkyTeam alliance, SkyMiles miles can be earned and redeemed across 19 partner airlines including Air France, KLM, Korean Air, and Virgin Atlantic. The program offers revenue-based earning on Delta flights and status qualification through Medallion tiers. Delta operates the largest airline network in the United States with major hubs in Atlanta, Minneapolis, Detroit, Seattle, Los Angeles, and New York. SkyMiles members earn miles based on ticket price rather than distance, with Medallion elite members earning bonus miles on every flight. The program is known for strong premium cabin availability on domestic routes and competitive pricing for SkyTeam partner awards. SkyMiles partners with American Express for co-branded credit cards that offer accelerated earning, free checked bags, and priority boarding. Higher-tier cards grant automatic Medallion status and companion certificates worth up to $1,000 in travel value annually.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| US to South America in Economy | 10,000 | economy | South America |
| US to Canada in Economy | 10,300 | economy | United States |
| US to Hawaii in Economy | 10,900 | economy | United States |
| Domestic US in First Class | 12,500 | first | United States |
| US to Europe in Economy | 23,000 | economy | Europe |
| Intra-European Economy on Partners | 10,000 | economy | Europe |
| Intra-European Business on Partners | 25,000 | business | Europe |
| Middle East to Europe Business Class | 42,500 | business | Europe |
| Within Asia Business on Korean Air | 15,000 | business | Asia |
| Asia to Oceania Business Class | 65,000 | business | Australia Nz |
| LATAM Short-Haul Economy in South America | 6,400 | economy | South America |
| Delta Flash Sales to Europe | 34,000 | economy | Europe |
| Hawaiian Inter-Island Economy | 7,500 | economy | United States |
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesCategory Rankings (1 category)
How It Compares
The Delta Platinum Business sits between the Gold Business ($150 fee, no companion certificate) and Reserve Business ($650 fee, Sky Club access). It's the value play for frequent Delta flyers who want the companion certificate and MQD Boost without lounge access. The $440 in annual credits ($200 Delta Stays, $120 Resy, $120 rideshare) offset 125% of the $350 fee if you use them fully.
Editorial Review
The Delta SkyMiles Platinum Business is ideal for occasional Delta flyers. The sign-up bonus of up to 100,000 miles (offers vary) and annual companion certificate can offset its $350 annual fee, offering solid value for mid-tier travelers.
Key Takeaways
The Delta SkyMiles Platinum Business card is an excellent choice if you plan to fly Delta once or twice per year. The sign-up bonus of up to 100,000 miles (offers vary) will help you build points to get started, and the annual companion certificate (in the main cabin) alone can be worth the annual fee of $350. The three main statement credits can also justify the annual fee, along with several other perks. If you fly Delta more than twice per year, it might be worth looking into the Delta SkyMiles Reserve Business card for better benefits—though it comes with a higher annual fee—and a higher sign-up bonus.
Why This Card Could Be Right For You
The Delta SkyMiles Platinum Business card comes with a sign-up bonus of up to 100,000 miles (offers vary) for $10,000 in purchases in your first six months. It’s the mid-tier business card out of the three that Delta and American Express offer. While it has a $350 annual fee, the benefits beyond the sign-up bonus make it a valuable card if you fly Delta once or twice per year. Since it’s a business card, it won’t affect your 5/24 status. However, remember that American Express only offers sign-up bonuses once per lifetime for each card, so if the current sign-up bonus of up to 100,000 miles (offers vary) doesn’t appeal to you, you may want to wait for a better offer.
The companion certificate is the most significant perk, granting a free annual round-trip flight for a companion in the main cabin within the United States, Mexico, the Caribbean, or Central America. Depending on your destination, this benefit alone can justify the annual fee. Add in $200 in Delta Stay credits, $120 in rideshare credits, and $120 in Resy credits, and the total perks can easily offset the $350 annual fee. Other perks include complimentary Hertz 5-star status, a 15% discount on award travel, addition to the complimentary upgrade list, Zone 5 priority boarding, your first checked bag free, credit for Global Entry or TSA PreCheck, and decent trip delay, baggage, and car rental insurance.
Read full review (3 more sections)
When The Usual Advice Doesn't Apply
Here are some exceptions where the card might not be good for you:
- You don’t fly Delta each year to take advantage of the companion certificate.
- You wouldn’t use the credits to offset the $350 annual fee.
- You want the card but prefer to wait for a higher sign-up bonus
What to Know About Delta SkyMiles
Delta is a good point system for both domestic and international flights.
- Delta offers many cards, making initial collection relatively easy. But the Amex 1/7 Rule limits that ability over time.
- Delta is part of the Amex partner reward system and is a decent transfer value.
- We save Delta points for specific flights, perhaps direct domestic or best value international.
- We use easier-to-collect point systems such as Southwest and American ahead of Delta.
How The Delta SkyMiles Platinum Business Credit Card Fits In The Delta SkyMiles Ecosystem
Among Delta’s three business cards, the Delta SkyMiles Platinum Business card falls in the middle, with a $350 annual fee and a sign-up bonus of up to 100,000 miles (offers vary). The top-tier option is the Delta SkyMiles Reserve Business card, which has a $650 annual fee but offers a larger sign-up bonus and greater benefits to offset that fee. Both the Platinum and Reserve cards include a companion certificate; with the Platinum, your companion flies in the main cabin, while the Reserve allows First Class or Comfort+. Both cards also include several of the same statement credits, although the Platinum card’s credits are slightly lower.
There’s also the Delta SkyMiles Gold Business card, which has a $150 annual fee and a sign-up bonus of up to 85,000 miles, but it does not offer a companion certificate. It does include a $200 flight credit after spending $10,000 in a year, but as with any high spending threshold, we usually recommend opening another card to earn a new sign-up bonus rather than putting all that spending on one card.
Pros and Cons
Pros
- +Welcome offer as high as 100,000 miles after $10,000 spend in 6 months (offers vary)
- +Annual Companion Certificate after card renewal (companion pays only taxes/fees)
- +MQD Headstart ($2,500 a year) plus MQD Boost ($1 Medallion Qualification Dollar per $20 spent)
- +Free first checked bag for cardholder plus up to 8 companions
- +Strong 3x earning on Delta and hotels, 1.5x on shipping and transit
- +Boosted upgrade priority to First Class and Delta One
- +20% back on in-flight Delta purchases
- +$200 Delta Stays credit + $120 Resy + $120 rideshare credits
- +No foreign transaction fees
Cons
- -$350 annual fee is substantial for small businesses
- -Companion Certificate arrives only after the first card renewal
- -No lounge access included (must upgrade to Reserve)
- -Miles are locked to Delta SkyMiles program
- -Only 1x on most business purchases
Who It's Best For
Best For
- Frequent Delta business travelers who want an annual Companion Certificate
- Companies that want the companion certificate for employee travel
- Business owners with high hotel, shipping, and transit spend
- Those who want Medallion progress from card spend (MQD Headstart and MQD Boost)
Not Ideal For
- Businesses that fly Delta infrequently
- Those prioritizing lounge access (Reserve Business offers Sky Club)
- Companies preferring flexible transferable points
- Budget-conscious businesses uncomfortable with $350 annual fee
The Math: Is $350 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$294
Annual Fee
-$350
Net Annual Value
-$56
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 2nd Biz | You might not be allowed to get a second card for a separate business (EIN) |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
Payment Terms
| Purchase APR | 19.74%–28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Card Family
Delta Skymiles Business family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Delta Skymiles Gold Business | mid | $150 | |
| Delta Skymiles Reserve Business | super premium | $650 |
Product changes available between family members without a new credit inquiry.
FAQs
How many SkyMiles are needed for a free flight?
You can find Delta awards for as little as 4,200 miles. If you have a Delta co-branded credit card, you get a 15% discount, bringing some flights down to 3,570 miles. Taxes are usually low as well, often just $5.60 for a one-way domestic ticket.
How to earn Delta SkyMiles fast?
The [Delta SkyMiles Reserve Business](https://pointsnav.com/credit-cards/delta-skymiles-reserve-business) card has the highest regular signup bonus. You can earn 80,000 SkyMiles after spending $10,000 in the first six months. You’ll also earn at least 10,000 miles from that spend. Delta has offered elevated 100,000-mile bonuses in the past.
How do I get into a Delta lounge?
You can access Sky Clubs with Diamond Medallion status or by flying in a premium cabin when you hold Gold or Platinum status. Certain cards also provide access, including the Delta Reserve (personal and business) and the Amex Platinum ( [personal](https://pointsnav.com/credit-cards/american-express-platinum-personal) and [business](https://pointsnav.com/credit-cards/american-express-platinum-business)).
How do I know if I have Delta SkyMiles?
Log in to your Delta SkyMiles account to see your mileage balance. On the website, your name and miles appear at the top right. In the app, tap “Account” to view your balance. If you don’t have a SkyMiles account, you won’t have any Delta miles yet.
Can I claim miles from past flights in Delta?
Yes. You can request mileage credit after you've flown, even if you didn't have a SkyMiles account at the time. Log in and visit the [Request Mileage Credit page](https://www.delta.com/myskymiles/request-mileage-credit). As long as your flight was at least 7 days ago and within the last 9 months, you can receive credit.
Media & Resources
Video Reviews
8 videosAmex Delta SkyMiles Platinum Business Card: Best Delta Keeper Card?! 2024 Revamp
Why I Chose the AMEX Delta Business Platinum Card for Over $1,200 in Perks
American Express Delta Skymiles Platinum Business Card Unboxing and Review - My 5th Amex Credit Card
Okay, The Amex Delta Platinum Card Is Way BETTER Than I Thought
Delta SkyMiles Platinum Full Review | The Best Delta Card?
Amex Platinum vs Delta SkyMiles | Best Travel Credit Card Comparison 2026
Most Delta Flyers Pick the Wrong Amex Card | 2026 Strategy
Third-Party Articles & Reviews
Delta SkyMiles Platinum Business American Express Review
TPG's dedicated review of the Platinum Business card recommends it for small-business owners loyal to Delta. Breaks down when the $350 fee makes sense and how the companion certificate math works.
Which Delta Credit Card Is Right for You?
Comprehensive comparison of all Delta co-branded cards from Amex. Helps readers choose between Blue, Gold, Platinum, and Reserve tiers for both personal and business versions based on annual spend and benefit preferences.
Delta SkyMiles® Platinum Business American Express Card Review
Forbes Advisor rates the card 3.7/5, analyzing the companion certificate requirement, earning rates, and how the $440 in annual credits compare to the $350 fee. Discusses who should consider this card versus Reserve Business.
Delta SkyMiles Platinum Business AmEx: 2026 Review
Comprehensive review covering the card's companion certificate value, rewards structure, and perks for business travelers flying Delta. Includes breakdown of credits and how they offset the annual fee.
Platinum Delta SkyMiles Business Credit Card from American Express Review
Bankrate gives the card 4.7/5 stars, highlighting the strong welcome offer, companion certificate value, and status-earning benefits. Analyzes the MQM and MQD boost structure for reaching Medallion Status through card spend alone.
Delta SkyMiles Platinum Business American Express Card Review
Detailed review valuing Delta miles at 1.3 cents each, making the 100,000-mile welcome offer worth $1,300. Covers earning rates, benefits, and application strategies including historical offer tracking.
Delta SkyMiles® Platinum Business Card Review
Yahoo Finance review highlighting the $200 Delta Stays credit and $240 in additional credits. Analyzes how small business owners can maximize the card's value through strategic spending.
Delta SkyMiles® Platinum Business American Express Card Review
Review emphasizing the high-value airline card benefits including priority boarding, free checked bags, and sign-up bonus. Covers who should apply and who should skip this card.
Delta SkyMiles Platinum Business American Express Card Review
Credit Karma's review focuses on the card's value for small business travelers, breaking down the earning structure and how the benefits stack up against the annual fee.
Platinum Delta SkyMiles Business Credit Card Review
AwardWallet's review of the Platinum Business card covering welcome offer, earning rates, benefits, and integration with Delta's SkyMiles program and status tiers.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| American Express | — | American Express |
| American Express | American Express: Earn rates | |
| Delta Partner | — | Delta Partner |
| RewardsCC API | — | RewardsCC API |
| American Express | — | American Express |
| American Express | American Express: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.